Privacy Policy

1. Our Use of Personal and Non-Personal Information

We collect two kinds of information about our on-line visitors, personal and non-personal information. Visitors are not required to register to access the public pages of NSU’s sites. Non-personal information is collected to track the total number of guests visiting NSU sites and to guide our efforts to improve our sites. The non-personal information we monitor includes the browser type and operating system being used by our visitors; areas of the sites visited; date and time of access; host or service-provider information, and identification of the referring site. This information is used exclusively for our internal purposes and is not disclosed to any non-affiliated third parties except our brokers.

Personal information that can identify a visitor, such as name, address or policy information is collected only when voluntarily offered and solely for purposes that are clearly identified on our sites. Access to pages with content specific to brokers or customers is password-protected and requires pre-registration.

Personal information acquired through registration is kept confidential and will not be disclosed to third parties except as may be required by law.

2.  Our Use of Customer Information Obtained From Our Web Sites

NSU’s policy is to limit access to customer information to those who need it to serve customers’ insurance needs. We do not disclose customer information to third parties other than our brokers, except as necessary to conduct business, e.g., settling claims. We do not conduct direct on-line or telephone sales programs to our customers using information obtained from our web sites without prior consent.

3.  Our Use of “Cookies”

NSU may place an electronic “cookie” in the browser files of a guest’s computer. Cookies are pieces of information that a web site transfers to an individual’s computer hard drive for record-keeping purposes. Cookies themselves do not enable us to access any personal information about our visitors; however, they do allow NSU to analyze guests’ use of our sites. This analysis helps us better understand which areas of our sites are most useful and popular so we can plan improvements and updates accordingly. NSU does not use cookies to retrieve information from a visitor’s computer that was not originally sent in a cookie.

4.  Internet Communication

The privacy of communication over the Internet cannot be guaranteed, because the Internet is not a secure medium. NSU does not assume any responsibility for any harm, loss, or damage you may experience or incur by the sending of personal or confidential information over the Internet by or to NSU.

5.  Consent

By using our site, visitors signify their consent to NSU’s Internet Privacy Policy. If they do not agree to this policy, they should not use this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of these terms of use from time to time. Any changes to these terms of use will be promptly disclosed in this area.