Brown & Brown of Lehigh Valley Inc

BROWN & BROWN

PRIVACY POLICY NOTICE

(as of April 16, 2009)

PURPOSE OF THIS NOTICE

Privacy Statement

Brown & Brown, Inc. and its subsidiaries consider the protection of your privacy to be very important. Our goal is to treat any personal information you provide us with the utmost respect and in strict accordance with this Privacy Policy. Any personally identifying information you provide is voluntary. If you have any questions about this Privacy Policy, please e-mail us at it@bbins.com.

If you visit our Web site to browse, read, or download information:

You can browse our Web site without telling us who you are or revealing personal information about yourself. In this case our Web servers automatically collect and store: the name of the domain and host from which you access the Internet; the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access our sites; and the Internet address of the site from which you linked directly to our sites.

We may use your IP address to assist in correcting server problems and to administer our web site. Additionally, we may use this information for statistical purposes, such as determining user demographics for advertising purposes.

We may use this information only as anonymous aggregate data to determine the number of visitors to different sections of our sites, to ensure the sites are working properly, and to help us make our sites more useful. We do not use it to track or record information about individuals.

If you are browsing, a cookie or tracking mechanism is used to help us measure the number of visits, time spent, pages viewed and other Web site statistics. This cookie, by itself does not reveal to us your e-mail address, or who you are. If you decide to request information or a rate quotation from Brown & Brown, or one of our subsidiaries, we may collect additional information in order to properly respond to your request.

Cookies are small pieces of data stored by your internet browser on your computer's hard drive. They cannot be used to collect data from your hard drive, obtain your e-mail address or personal information about you. You may set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note that when you block the acceptance of cookies you limit the functionality we can provide when you visit our site.

Insurance Quote, Application, and Information Request Forms

Our web site's insurance quote request forms and information request forms may require users to provide us with contact information (such as name, e-mail and postal addresses), unique identifiers (such as social security number), and demographic information (such as zip code and age).

Contact information from information and insurance quote forms is used to contact customers, when necessary. This data is necessary for the processing of, and future identification of, insurance quotes and confirmation of mailing addresses, and is used solely for those purposes. Information is never given or sold to third parties for any purpose, except to Brown & Brown’s affiliated businesses and to third-party service providers acting on Brown & Brown’s behalf.

Unique identifiers (such as social security numbers) are collected from site visitors requesting insurance quotes solely for the processing of an insurance quote. This information is never given or sold to third parties for any purpose, except to Brown & Brown’s affiliated businesses and to third-party service providers acting on Brown & Brown’s behalf.

Demographic and profile data is also collected at our site. This data is also necessary for processing insurance quotes and is used solely for that purpose. This information is never given or sold to third parties for any purpose.

Brown & Brown may disclose your personal information among its affiliated businesses and with third-party service providers acting on Brown & Brown’s behalf. However, Brown & Brown will not sell, rent or lease your personal information. The personal information you provide may be transmitted, used, stored and otherwise processed outside of the country where you submitted that information, including jurisdictions that may not have data privacy laws that provide equivalent protection to such laws in your home country.

Security and protection of Information

Brown & Brown uses encryption and authentication tools to protect your personal information. The information you may provide through our Web site is secured using industry-standard security matters to protect the loss, misuse, or alteration of the information under our control. While there is no such thing as perfect security on the Internet, we will take all reasonable steps to ensure the safety of your personal information. In addition our employees are instructed that such information is to be used only in accordance with the principles of this Privacy Policy and the laws applicable to each specific business. Employees who misuse customer information are subject to disciplinary action.

External Links

This site may contain links to other sites not affiliated with Brown & Brown, Inc. and/or related subsidiaries or affiliates. Neither Brown & Brown, Inc. nor any of its subsidiaries or affiliates shall be responsible for the privacy practices or the content of such non-affiliated linked web sites.

OUR PRIVACY POLICIES AND PRACTICES

Information We Collect

We may collect nonpublic personal information about you and the members of your household in order to conduct our business operations, provide customer service, offer new products, and satisfy legal and regulatory requirements. We may collect the following categories of such information from the sources noted below:

- information that we receive from you directly, including information required for the completion of applications, worksheets, questionnaires, claim forms or other documents (such as your social security number, driver’s license number, amount of coverage requested, and beneficiaries);

- information about your transactions with us, our affiliates or others (such as your policy coverage, premiums and payment history);

- information that we receive from a consumer protection agency (such as motor vehicle reports or other information about your creditworthiness and credit history);

Brown & Brown of New Jersey, Inc., 211 Route 31 North, Washington, NJ 07882-1531

Ph#: (908)689-1092 - Fax#: (908)689-5647 – Website: www.bbinsurenj.com

- information that we receive from a consumer protection agency (such as motor vehicle reports or other information about your creditworthiness and credit history);

- information we receive from medical records or medical professionals;

- information from other sources (such as prior loss information and demographic information);

- information about your personal health (such as information regarding your health history, or an accident, disability or injury, which may be required by an insurance provider for underwriting or claims purposes); and

- information that we receive when you visit us through the Internet (such as your e-mail address, or information provided through online forms that you complete).

Information We May Disclose, and Parties to Whom Disclosures May Be Made

We do not disclose nonpublic personal information about you to any affiliated or nonaffiliated third parties, except as permitted by law. Disclosures which are permitted by law include, but are not limited to, disclosures which are necessary to procure, service and renew your policy, to assist you with the reporting of claims, and to process transactions that you request. For example, we may disclose the nonpublic personal information we collect about our customers or former customers to affiliated or nonaffiliated parties that perform services for us such as customer service or account maintenance, or as permitted or required by law. Specific examples of circumstances in which such disclosure might occur include mailing information to you, and maintaining or developing software for us, as well as responding to subpoenas, or complying with an inquiry or requirement of a government agency or regulator. To the extent permitted by law, we may also disclose the information we collect to parties that perform marketing services on our behalf, or to other financial service providers, such as insurance intermediaries or providers, with whom we have joint marketing agreements. We do not disclose your personal health information to others for the purpose of marketing to you unless we have your consent.

Confidentiality and Security of Your Nonpublic Personal Information

We have policies in place concerning the importance of maintaining the confidentiality and security of your nonpublic personal information, and we require our employees to comply with these policies. Access to such information is allowed for business purposes only. We do not sell any such information to mailing list companies or mass marketing companies.

Changes to Our Policy

We may choose to modify this policy at any time. We will notify customers of such modifications at least annually.

Again, we appreciate your business, and the privilege of assisting with your insurance needs. If you have any questions about this notice, please contact us at 908-689-1092, and we will be happy to assist you.

Privacy Statement
Brown & Brown, Inc. presents this privacy statement as a demonstration of our commitment to your privacy. The following discloses the information gathering and dissemination practices for this website:

Automatically Logged Information
We may use your IP address(es) to assist in correcting server problems and to administer our website. Additionally, we may use this information for statistical purposes, such as determining user demographics for advertising purposes.

Cookies
Our site will employ session-level cookies only. These cookies allow you to have a unique user session while requesting insurance quotations and other information. These cookies are not stored on your computer after you close your browser and are not stored permanently on your hard drive.

Insurance Quote and Information Request Forms
Our website’s insurance quote request forms and information request forms may require users to provide us with contact information (such as name, e-mail and postal addresses), unique identifiers (such as social security number), and demographic information (such as zip code and age).

Contact Information from the information and insurance quote forms is used to get in touch with customers when necessary. This data is necessary for the processing of and future identification of insurance quotes and confirmation of mailing addresses and is used solely for that purpose. Information is never given or sold to third parties for any purpose.

Unique Identifiers (such as social security numbers) are collected from site visitors solely for the processing of an insurance quote. This information is never given or sold to third parties for any purpose.

Demographic and Profile Data is also collected at our site. This data is also necessary for processing an insurance quote and is used solely for that purpose. This information is never given or sold to third parties for any purpose.

External Links
This site may contain links to other sites not affiliated with Brown & Brown. Neither Brown & Brown, Inc. nor any of its subsidiaries or affiliates shall be responsible for the privacy practices or the content of such non-affiliated websites.
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EEOC statement, Brown & Brown, Inc., an Equal Opportunity Employer

At Brown & Brown, Inc. our continued success depends on the full and effective recruitment and employment of qualified persons regardless of race, color, religion, sex, age, national origin, marital status, disability, or veteran status. We are committed to ensuring equal employment opportunity for all employees and applicants for employment. It is our goal to recruit, hire and develop the best employees using only job-related qualifications.

Our equal employment opportunity philosophy, in accordance with federal, state, and local law, applies to all aspects of employment with Brown & Brown including recruiting, hiring, training, transfer/promotion, compensation, benefits and termination. At Brown & Brown we strive to ensure that our human resource practices are free of discriminatory practices and that employment decisions are made on the basis of job-related qualifications, including personal competence and potential for advancement.
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Corporate Forward Looking Statement
Conference Calls and/or Web Casts may contain certain statements relating to future results which are forward-looking statements. These statements are not historical facts, but instead represent only the Company's belief regarding future events, many of which, by their nature, are inherently uncertain and outside of the Company's control. It is possible that the Company's actual results and financial condition may differ, possibly materially, from the anticipated results and financial condition indicated in these forward-looking statements.

Further information concerning the Company and its business, including factors that potentially could materially affect the Company's financial results, are contained in the Company's filings with the Securities and Exchange Commission. Some factors include: general economic conditions around the country; downward commercial property and casualty premium pressures; the competitive environment; the integration of the Company's operations with those of businesses or assets the Company has acquired or may acquire in the future and the failure to realize the expected benefits of such integration; the potential occurrence of a disaster that affects certain areas of the States of Arizona, California, Florida, New Jersey, New York and/or Washington, where significant portions of the Company's business are concentrated; the actual costs of resolution of contingent liabilities; and those factors relevant to Brown & Brown's consummation and integration of announced acquisitions, including any matters analyzed in the due diligence process, material adverse changes in the customers of the companies whose operations are acquired, and material adverse changes in the business and financial condition of either or both companies and their respective customers.

All forward-looking statements made during any conference call or web are made only as of the date of this conference call and web cast, and we do not undertake any obligation to publicly update or correct any forward-looking statements to reflect events or circumstances that subsequently occur or of which we hereafter become aware.
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