PRIVACY STATEMENT

Majestic Insurance Company is committed to safeguarding the privacy of authorized users of this web site and other persons having a right to privacy in the information we collect. This statement will explain our policies and procedures for maintaining the security of our web site and the privacy of nonpublic information accessible from this site.

SECURITY PROCEDURES

Visitors to our web site have unrestricted access to the public information pages only. Other areas of this site are reserved for authorized users who are registered with us for the purpose of allowing them to utilize our products and services.

To prevent unauthorized access to our web site and to secure the data collected through the Internet, we have implemented physical, electronic (hardware and software) and procedural safeguards. We maintain the integrity of our site and data security by using firewalls, user login and authentication procedures, and encryption technology.

PRIVACY AND INFORMATION SHARING

We do not share personally identifiable information with other parties, except as reasonably necessary to conduct our business or as otherwise permitted by law. We do not sell the information to other parties for their use in the marketing of products or services.

Our business as a workers' compensation insurance carrier involves the necessary sharing of underwriting, premium and claims information with our policyholders, business partners, and insurance statistical and regulatory agencies. Specific information regarding our insurance policies and claims is made available to authorized web site users as necessary to enable them to access our products and services.

We share medical information about workers' compensation claimants with employers and their representatives as described in our Statement of Policy Regarding Claimants' Medical Information.

We require our employees, producers and vendors to respect the confidentiality of nonpublic information that they obtain from us.

We reserve the right to change the foregoing policies and procedures at any time without notice. Should you have any questions or concerns regarding this Privacy Statement, you may contact us by email at support@majesticinsurance.com or write to us at the following address:

Majestic Insurance Company
Privacy Officer
P.O. Box 2359
San Francisco, CA 94126

LEGAL TERMS AND CONDITIONS
Copyright © 2001- Majestic Insurance Company
All Rights Reserved

PLEASE READ THIS NOTICE CAREFULLY. BY USING THIS WEB SITE, YOU AGREE TO THE TERMS AND CONDITIONS SET FORTH BELOW:

OWNERSHIP

The entire contents of this web site (the "Site") are copyrighted under the United States copyright laws by Majestic Insurance Company ("Majestic"). Majestic owns all intellectual property rights in the Site, or has obtained a license from third parties for the use of such intellectual property. Majestic expressly reserves all rights available under any patent, service mark, trademark, copyright or trade secret protection.

LIMITED LICENSE

Subject to the Terms and Conditions set forth herein, Majestic grants you a non-exclusive, non-assignable and non-transferable license to access and use the Site and the materials contained herein (the "Materials") for your internal business use or for informational purposes only. Materials downloaded from the Site may not be copied or distributed without the express written consent of Majestic.

YOUR OBLIGATIONS

You agree not to sublicense, transfer or grant access to the Site without Majestic's prior written consent. You agree not to obtain, by reverse engineering or otherwise, any of the software or codes for the Site. You agree not to interrupt the operation of the Site or to alter, tamper with or repair the Site.

You agree that any user identification number and password that we issue or approve for your use shall be confidential and shall not be disclosed to any other persons, except your duly authorized employees. You agree to require your employees to respect the confidentiality and security of the Site and the Materials.

You agree not to use the Site or the Materials in a manner that constitutes defamation, invasion of privacy, or other violation of the rights of any third party; is threatening, harassing, obscene or malicious; or violates any applicable federal, state or local law, ordinance or regulation.

You agree to take commercially reasonable precautions to ensure that any electronic files or messages that you send to the Site are free from viruses, worms and other defective or malicious code. You agree not to make any changes in the Materials, other than sorting the information for purposes of your internal analysis only.

INDEMNIFICATION

You agree to defend, indemnify and hold harmless Majestic, its parent, affiliates and subsidiaries, and their respective directors, officers and employees, from and against any and all losses, liabilities, claims and expenses, including reasonable attorney's fees, arising from or relating in any way to any violation of your obligations as set forth above.

DISCLAIMERS

THE INFORMATION AND MATERIALS ON THE SITE, AND ANY SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY OR FITNESS FOR ANY PARTICULAR PURPOSE.

THE MATERIALS MAY CONTAIN INACCURACIES, OMISSIONS AND TYPOGRAPHICAL ERRORS. MAJESTIC DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE SITE, THE MATERIALS OR ANY INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON THE MATERIALS OR ANY SUCH INFORMATION SHALL BE AT YOUR SOLE RISK. MAJESTIC RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN THE SITE AND THE MATERIALS. MAJESTIC MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, SERVICES AND RATES DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

MAJESTIC DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF ANY OTHER WEB SITE OR DOCUMENT LINKED TO THE SITE, OR RECOMMEND OR ENDORSE THE PRODUCTS OR SERVICES OFFERED ON ANY LINKED WEBSITE OR DOCUMENT UNLESS OTHERWISE EXPRESSLY STATED IN WRITING. ANY USE OF OR RELIANCE ON A LINKED WEBSITE OR DOCUMENT SHALL BE AT YOUR SOLE RISK.

LIMITATION OF DAMAGES

IN NO EVENT SHALL MAJESTIC, ITS PARENT, AFFILIATES OR SUBSIDIARIES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE SITE, THE MATERIALS, OR ANY LINKED WEB SITE OR DOCUMENT EVEN IF MAJESTIC IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CHANGES

Majestic reserves the right, at its sole discretion and without prior notice, to change, modify, add or remove any portion of these Terms and Conditions at any time. You agree to check these Terms and Conditions periodically to keep yourself informed of any such changes. Your continued use of this Site will constitute your acceptance of all changes made to these Terms and Conditions.

Majestic may terminate, change, suspend or discontinue all or any aspect of the Site, including the availability of any features or services of the Site, at any time. Majestic may impose limits on certain features and services or restrict your access to the Site without notice or liability. Majestic may terminate the authorization, rights and license given above at it sole discretion. Upon receiving notice of such termination, you shall immediately cease all use of the Site.

MISCELLANEOUS

These Terms and Conditions, together with your completed and signed Website Access Registration Form and User Acknowledgment, represent the complete agreement (this "Agreement") of the parties with respect to the subject matter hereof, and supersede any other agreement and understandings between the parties with respect to the same subject matter. Nothing in this Agreement shall be construed to be for the benefit of any third party, nor is it intended that any provision of this Agreement shall benefit any third party.

This Agreement shall be governed by and construed in accordance with the laws of the State of California, other than conflict of laws principles. Any action on this Agreement shall be brought in a court of competent jurisdiction in California and you consent to personal jurisdiction in that state. If any provision of this Agreement is held by a court to be invalid, illegal or unenforceable, the remaining provisions of this Agreement shall be unaffected by such ruling and shall remain in full force and effect.