If you have a question and or need assistance with your policy, please contact your Insurance Agent. However, if you need assistance or information from us, please feel free to contact us.

We Make Privacy a Priority

People's Trust Insurance Company and its affiliates ("People's Trust") appreciate the opportunity to meet your homeowners insurance needs. In doing so, we will obtain and develop personal information about you. We consider this information to be confidential, and we have procedures to protect this information against unlawful use and disclosure.

We will disclose your personal information only as necessary to process your requests for insurance, to provide services to you as a policyholder or claimant, and as otherwise allowed or required by law. This Privacy Policy describes how we obtain and use information about you, and how we protect that information. This statement applies to our affiliates identified below and applies both to current and former customers.

Personal Information We Collect

We obtain personal information about you and members of your household from several sources in connection with underwriting, processing, and servicing insurance transactions. In many instances, we obtain our information directly from you or through your agent. This might include information you submit as part of your insurance application or as part of other interactions you have with us. In these instances, we may learn personal information such as your name, address, telephone number, e-mail address or other identifiers, existing or requested coverages, claims history, insurance risk characteristics, and similar information.

We also will learn information about you during the course of your policyholder relationship with us. For example, we might learn information about your current or past coverages and related information, your premium levels, your payment information and history, your claims history, and other information. We also will learn information such as your requests to add or delete coverages or your personal contact information. Finally, we might receive information from outside vendors that furnish us with information relating to your eligibility for insurance, your existing or prospective policy, and your claims. These vendors may include consumer reporting agencies, home inspection companies, claims adjusting firms, statistical or reporting bureaus, or other sources.

Personal Information We Collect for Internet, Mobile, and Social Media Users

If you visit an Internet site that we maintain, we might obtain information about you that will enable us to identify you as a user, including your name, username, password, and password reminders. We will obtain information about your web browser, IP address, operating system, and similar information to improve the performance and operation of our site. We also may collect information about your visit, including the web pages you view, the links you choose, and other actions taken on the site. Our mobile and social media applications may also collect non-personally identifiable demographic information such as age, sex, and city/location about the user of each application. Our website may use small text files, known as "cookies," placed on your hard drive to help personalize your online experience. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Cookies store your preferences and can save you time by eliminating the need to repeatedly enter the same information when you visit our website. You may have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you usually can modify your browser setting to decline cookies. If you choose to decline cookies, you might not be able to use certain features of our website, or you might have to re-enter certain information in order to do so.

If you click on a link to a third party site, you will be taken to websites we do not control. This Policy does not apply to the privacy practices of that website. Please read the privacy policy of other websites carefully. We are not responsible for these third-party sites.

Our Use of Your Personal Information

We use personal information to offer and provide our services, communicate with you and carry out transactions you have requested, and enhance our customer service and operations. We do not share the information we collect with other parties, except our affiliates, nonaffiliated parties performing services for us by contract, and as otherwise permitted by law. We may share information among members of our corporate group in order to provide you with access to products and services the group may offer from time to time and to improve our service to you. The information we share among affiliates is limited to information about your transactions and experiences with us and to information that we otherwise are permitted to disclose by law.

When we provide information to parties performing contractual services for us, we require those parties to preserve the confidentiality of your personal information. As indicated above, we also might share information that we obtain about you with nonaffiliated parties as allowed or required by law. This means that we will share information with parties as necessary to effect, administer, or enforce transactions that you request. For example, we might provide information about you and your policy to a company that prints and mails our insurance policies or to a company that adjusts any claims you may have. We also are permitted or required to share information with certain other parties listed in federal law and state rules, such as insurance advisory organizations, our attorneys and accountants, consumer reporting agencies, and civil and regulatory authorities.

How We Protect Your Personal Information

We maintain physical, electronic, and procedural safeguards to ensure the confidentiality of the personal information we obtain about you. We restrict access to your personal information to those persons who need to know that information to provide services to you. All employees, agents, affiliates, and third parties are required to adhere to our strict privacy standards.

This Privacy Policy describes our practices for current and former customers. If there is more than one person insured under this Policy, only the named insured on the policy will receive this Policy, though additional insureds may request a copy of this Policy. Please share this information with everyone insured by the policy.

We reserve the right to modify this Policy at any time. If we make material changes, we will provide a revised Policy.

People's Trust Insurance Company will continue to work to protect the privacy of our customers.

Our Privacy Policy applies to the following affiliates in the People's Trust family of companies:

• People's Trust Holdings, LLC
• People's Trust Insurance Company
• People's Trust MGA, LLC
• GS Two, LLC
• GS Deerfield, LLC
• Deerfield Trust, LLC
• DPF, LLC
• Rapid Response Team, LLC
• DEL Re Holdings, Inc.
• DEL Re Ltd.

This summary of our practices is furnished for your information. No action is required by you upon receipt of this notice.

ACCEPTANCE

These Terms of Use ("Terms") apply to your use of this Internet site ("Site"). By visiting or using this Site, you accept these Terms. You should review these Terms regularly as they may change from time to time. Continued use of this Site by you will constitute your acceptance of any revisions to these Terms. In the event of a conflict between these Terms and any other agreement between you and People's Trust Insurance Company ("People's Trust"), that other agreement shall control.

DISCLOSURES

You accept delivery of the following disclosures that relate to information at this Site. Foreign Jurisdictions: People's Trust is licensed to transact homeowners insurance only in Florida. People's Trust's products and services are available only for personal residential properties located in Florida. By using this Site, you agree that you are obtaining information about or seeking to insure personal residential property located in Florida. Company Identification: The products and services described on this Site are provided by People's Trust Insurance Company, a Florida domestic property and casualty insurance company. People's Trust Insurance Company transacts insurance through its affiliated managing general agency, People's Trust MGA, LLC ("People's Trust MGA"). People's Trust MGA or its authorized representative will be identified as the agent of record on any policy issued by People's Trust where such an agent is required to be designated. People's Trust MGA is compensated for its services by People's Trust and also may charge a policy fee as provided by Florida law. Availability of Products: People's Trust's insurance products are available to applicants who meet underwriting and eligibility criteria established by the company. There is no assurance that People's Trust will issue a policy based on information you provide at the Site. No insurance coverage shall be effective unless and until People's Trust Insurance Company provides confirmation of acceptance. Due to the nature of windstorm risk, People's Trust may limit its policies by territory, policy type, or other criteria as it may consider advisable under prudent exposure management practices.

PROHIBITED USES

Personal Use Only: You will use the Site only for your personal, noncommercial use unless you and People's Trust have agreed otherwise in writing. Emails: You may not send email to us that is illegal, obscene, profane, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or contains harmful code, political campaigning, commercial solicitation, chain letters, mass mailings, or violates any applicable law, such as the CANSPAM Act. Access: You may not use this Site in any manner that could damage or overburden any People's Trust equipment or software. You may not use any means of systematic retrieval of data or other content from this Site. You may not obtain, or attempt to obtain, access to any material or information on this Site that is protected by passwords or require login identification through any means not expressly authorized by People's Trust. You may not use the login information of another person, unless they specifically authorized you to do so. If you are accessing this Site pursuant to authority granted by any other person, you must discontinue access on behalf of that person when such authority terminates or is revoked. False Information: Premium quotes and eligibility for People's Trust products or services will be determined based, in part, on information you provide. People's Trust reserves the right to verify the information you provide. Under Florida law, a misrepresentation, omission, concealment of fact, or incorrect statement may prevent recovery under a policy if the misrepresentation, omission, concealment, or statement is fraudulent or is material to the acceptance of the risk or the hazard assumed, or if the true facts had been known, the insurer in good faith would not have issued the policy, would not have issued the policy at the same rate, would not have issued the policy in as large an amount, or would not have provided coverage with respect to the hazard causing the loss. Framing: You may not frame any content, trademark, logo, or other proprietary information (including images, text, page layout, or form) of People's Trust. Links: You agree to obtain our permission before creating a hyperlink or similar link or connection to this Site. Endorsements: You may not use People's Trust's name or trademarks in any way that implies affiliation with, or an endorsement, sponsorship or approval by People's Trust without express written permission.

SECURITY

When you use People's Trust's online services, you agree to the following conditions: People's Trust is authorized to act on instructions received under your name, password, quote number or other identifying information without any requirement to question those instructions; People's Trust is not responsible for any unauthorized access to your personal information that is not directly due to the negligence of People's Trust; You are responsible for maintaining the confidentiality of your account information such as names, passwords, quote numbers, and similar information; You will notify People's Trust immediately if you believe anyone else has learned your confidential account information or if you believe authorized access to your People's Trust account may have occurred; People's Trust may block or terminate access to this Site without prior notice if we believe your confidential account information is being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, if you cause a financial loss to People's Trust, if you make a fraudulent claim with People's Trust, if People's Trust determines that you pose an unreasonable risk, or for any other reason. People's Trust may notify you that your access is terminated by providing notice to the address, phone number or email address in your profile.

DELEGATED ACCESS

If you authorize another person to access this Site on your behalf, we may grant that person access to view and transact in your accounts until you notify us that you have revoked their access. If you grant a General Power of Attorney, we may grant Site access to the attorney-in-fact to view your accounts and conduct transactions on your behalf. If you access this site on behalf of another person, you represent and warrant that the authorization or Power of Attorney is currently in force and authorizes the activity you conduct at this Site. You are responsible for the actions of your agent or attorney-in-fact while accessing or transacting on your behalf on this Site.

THIRD PARTY SITES

This Site may contain links to other Internet websites that are not maintained by People's Trust. These links are provided for your convenience, and unless otherwise stated, People's Trust makes no warranties or representations regarding these websites or information, products or services identified on them. People's Trust does not control the privacy or security practices of third parties. You should read the privacy and security policies of the other sites because their practices may differ from ours.

COMPARATIVE INFORMATION

The Site may provide information about, or links to information about, the comparison in coverages or premiums between People's Trust and other insurers. Any such information is presented on the basis that it is available to People's Trust, and People's Trust makes no warranties or representations about this information. In some cases, the information presented may pertain to selected or representative policies, which may differ from the characteristics of your property. Insurance coverages and premiums can vary among insurers, and different insurers may provide different options by which consumers may lower their premiums for reduced coverage or pay higher premiums for increased coverage options. Please consider People's Trust's options and those of any other insurers carefully. A People's Trust representative is available by online chat, email or telephone to assist with any questions you may have.

INTELLECTUAL PROPERTY

Unsolicited Submissions: Unless otherwise stated, People's Trust does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of its products and services. Any such information delivered to People's Trust will be considered non-confidential and non-proprietary, and will be considered the exclusive property of People's Trust. People's Trust may copy, disclose, distribute, incorporate, and otherwise use the information, in whole or in part, for any purpose without compensation. Personal information transmitted to us will be treated in accordance with the People's Trust privacy policy set forth at this Site. Copyright: This entire Site is the copyrighted work of People's Trust. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form. Trademarks: By providing content, we do not allow you to use trademarks referenced in this Site. You may not use any meta tags or any other "hidden text" using People's Trust's name or trademarks without the express written consent of People's Trust. Other parties' trademarks and service marks that may be referred to on the Site are the property of their respective owners. No endorsement, sponsorship affiliation or approval shall be inferred from their use on this Site unless specifically stated. The trademarks, logos, and service marks ("Marks") displayed on the site are the property of People's Trust or other parties. You are prohibited from using any Marks without the written permission of People's Trust or the third party that owns the Marks. Copyright Infringement Claims: People's Trust's policy is to respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act. If you believe that any material contained on this Site may infringe on your copyright, notice must be given in writing of the following: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the allegedly infringing material; (c) information sufficient to permit People's Trust to locate the infringing material; (d) a statement that the complaining party has a good faith belief that use of the material is not authorized or permissible by law; and (e) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner, agent, or licensee. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by People's Trust. Written notice must be sent to: People's Trust Insurance Company, Attention: Chief Executive Officer, 18 People's Trust Way, Suite 200, Deerfield Beach, FL 33441-6270.

Disclaimer Of Warranties and Limitation of Liability

This Site is provided by People's Trust on an "as is" and "as available" basis. People's Trust makes no representations or warranties of any kind, express or implied, as to the operation or availability of this Site or the content included on this Site. This Site could contain technical inaccuracies or typographical errors. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, PEOPLE'S TRUST DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. People's Trust does not warrant that this Site, its servers, or email sent from People's Trust are free of viruses or other harmful code. PEOPLE'S TRUST SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INABILITY TO USE THIS SITE, OR CIRCUMSTANCES BEYOND ITS CONTROL, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF PEOPLE'S TRUST IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION OF LIABILITY INCLUDES BUT IS NOT LIMITED TO ANY DAMAGES OR INJURY CAUSED BY ANY (1) USE OF OR INABILITY TO USE THE SITE; (2) USE OF OR INABILITY TO USE ANY SITE HYPERLINKED FROM THE SITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. Some states do not allow limitations on warranties or certain damages, So some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

MISCELLANEOUS

Governing Law: Use of this Site shall be governed by and construed in accordance with the laws of the State of Florida without giving effect to any principles of conflicts of laws. The Uniform Computer Information Transactions Act or any substantially similar law, if enacted, will not govern any aspect of these Site Terms or your access to this Site. Jurisdiction and Venue: Any dispute concerning this Site shall be subject to the exclusive venue of a court of competent jurisdiction in Palm Beach County, Florida. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts. Severability: If any provision of these Site Terms and Condition is unlawful, void or unenforceable, the remaining provisions shall remain valid and in effect to the fullest extent possible. Changes to this Site: People's Trust may discontinue or modify this Site at any time without prior notice to you, and you accept those modifications if you continue to use the Site. Waivers: Any waiver of any provision of these Site Terms will be effective only if in writing and signed by an authorized representative of People's Trust. Any delay or omission by People's Trust to exercise any rights under these Site Terms shall not be construed to waive any rights. Survival: Certain provisions of this agreement by their nature shall continue in full force and effect after termination, including the Disclaimer of Warranties and Limitation of Liability, and Jurisdiction/Enforceability.

Policy

This page provides you with details of your policy. This page also allows you to be able to sign up for Paperless Documents. Paperless documents are simply sent to your e-mail instead of through the postal service whenever new ones are issued.

Payment Information

You can find detailed information regarding payments made to your policy on this page. Please keep in mind that if your policy is cancelled or paid-in-full that you will not be able to make a payment.

Documents

View all the documents that have been sent to you either online or through the mail. To view these forms from this site, you must have Adobe Reader.

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Profile

This page allows you to review your personal contact information as well as update your current e-mail address or change your password. If you need to change your other information, such as your mailing address or your name, you will need to contact your agent or the People’s Trust Customer Service Department.

Logout

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Note: It is important to click this link to log out if you are not using your personal home computer. If you are using a public computer, your session data is still available even if you close the browser without clicking this link.