PRIVACY STATEMENT

Effective Date: 2/1/24This Online Privacy Statement (“Statement”) applies to this website and the websites of Emerald Financial Inc. entities listed in the Contact Us section below (collectively “Emerald”, “we”, “us” or “our”) that link to this Statement (the “Online Services”). We understand that the privacy and security of your information is important to you. This Statement describes how we collect, use and share your information.This Statement does not apply to information collected or received through other means, to information collected by any third party, including websites or applications we may link to, or the collection, use and sharing of deidentified or anonymous data. Additionally, depending on how you interact with us and which products and services (“Products”) you use, additional privacy policies, including third party privacy policies, may apply.From time to time, we may clarify, revise or update this Statement. This may include making changes to the way we collect, maintain and store information. If we make any changes to this Statement, we will revise the effective date at the top of the Statement. Changes to this Statement will be effective once they are posted.‍

Information We Collect

We collect different types of information for our business purposes from the following sources:Information You Provide. We collect information that you provide to us through the Online Services, surveys and other communications. We may collect information from entities you have requested or authorized to provide information to us in connection with the purchase or maintenance of a Product. For example, we may collect information through the Online Services when you:

purchase or request a quote for a Product;register for, manage or update a Product;use our e-Billing services or manage your online account and investment options through the Online Services;use Online Service tools, calculators, and other resources that request your, your family’s or your beneficiary’s information;subscribe to newsletters or other communications from us;provide feedback, request information, or otherwise contact us through the Online Services;participate in social media platforms where Emerald maintains a presence, such as Facebook, Twitter and LinkedIn, or when you make information available to us and others via social media or via forums, blogs, email lists, chat rooms, or other similar technologies;participate in surveys, sweepstakes or other promotions;conduct searches through the Online Services; and/orotherwise share information about yourself through the Online Services, or authorize a third party to share such information about you with us.

We may collect the following information, including as reasonably required to complete a request, provide a Product, support your efforts to obtain a Product from companies or insurers we may represent, or complete a transaction on your behalf: first and last name, home or other physical address, telephone number, email address, other identifiers that permit an individual to be contacted physically or online, date of birth, Product numbers, data about transactions with us or those we represent (such as account balances, coverages and benefits, and payment and claims history), education information, professional information, employment information, medical and health information, banking information, credit card number and other financial information, Social Security number or other tax identification number, driver’s license number, passport number, age, race, disability status, criminal history, marital status, voice recordings and other information.‍‍

How We Use the Information We Collect

We may use information we collect to operate our business, including the following:

for our everyday business purposes, such as establishing and administering Products, providing information you request and providing customer support;to evaluate your eligibility for Products;to communicate with companies we represent when you obtain or seek to obtain their products or services;for special events, programs, surveys, contests, sweepstakes and other offers or promotions, some of which may have additional rules or provisions addressing how your information is used or shared;to properly verify your identity, prevent fraud and enhance security;to contact you, including via telephone, text or chat;to protect our rights and the rights of others; and/orfor other purposes, as permitted by law or to which you consent.

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Your Privacy Rights

Accessing Your Information. We may provide you the ability to create an online account. If you created an online account, you can log in to that account to access all or some of the information you previously provided.

Correcting Your Information. If you believe that information we maintain about you is inaccurate, subject to applicable law you may request that we correct or amend the information by contacting us as indicated in the Contact Us section below. In many cases, you may also access your online account to correct your information.

Consumer Requests. Under certain privacy laws, including in Canada, you may have the right to make additional requests regarding your information (“Consumer Request(s)”), including requests for access to your personal information, for information about how it has been processed, and to withdraw your consent to our processing of your personal information. If you have questions about Consumer Requests, please call our toll free number 877-247-2401, or contact us by email at consumerdatarequest@transamerica.com.

Requests by California Residents. If you are a California resident, you may have certain additional privacy rights such as the right to request access to your personal information or that we delete your personal information. For example, under the California Consumer Privacy Act (“CCPA”), California residents may request to prohibit the “sale” of their personal information, as defined in the CCPA. If you are a California resident and wish to make this request, please click this link: Do Not Sell My PI. For additional information, please click this link: CCPA. Also note that the CCPA does not apply to information subject to other privacy laws such as the Gramm Leach-Bliley Act (“GLBA”), the Health Insurance Portability and Accountability Act (“HIPAA”), and the Fair Credit Report Act (“FCRA”). Therefore, information collected or used under such laws, such as information collected for financial or insurance products, is not subject to the CCPA.‍

Requests by Canadian Residents. If you are a Canadian resident, you may have the right to make additional Consumer Requests, such as the right to correction, or the right to opt-out of the sale of your personal information. If you wish to make a Consumer Request or have questions about Consumer Requests, please call our toll free number 877-247-2401, or contact us by email at consumerdatarequest@transamerica.com.‍‍

Contact Us

If you have any questions or comments about this Statement, please contact our Privacy Officer by email at support@emeraldfinancialinc.com.