Commonwealth Automobile Reinsurers, as the industry operated residual market and statistical agent for motor vehicle insurance in the Commonwealth of Massachusetts, is committed to protecting the privacy of our website visitors. The following policy explains how we collect and use the identifying information of visitors to our website.

The CAR website contains information of a general nature, accessible to all visitors, regarding the Massachusetts Automobile Insurance market. The website also includes a restricted area containing company specific information; this section of the site is only available to designated Member Company personnel.

Access to General Information
When you browse the general area of our website, you browse anonymously. We do not ask you to register to use the site nor do we collect personal information about you. Our web server may write a "cookie", a small computer file, to your hard drive to facilitate your use of our site and enable us to collect statistics about the visitors to our site. This information is used to enhance the value of our site and improve its navigation.

Access to Password Secure Areas
CAR restricts the access to certain reports and applications on our website to Member Company personnel only. A valid user id and password are required to access this information and visitors are only allowed to view their own company's information along with overall industry data. The Security Administrator from your company must designate which reports you may access. During 2003, CAR will be implementing new applications that collect data on our website. Encryption via Secure Socket Layer (SSL) will also be added so that information transferred between CAR and its Member Companies is protected against interception and alteration. Unauthorized individuals attempting to access secure areas of the CAR website are in violation of our Terms of Use and may be subject to prosecution and applicable damages.

E-mail Addresses
If you have provided us with your e-mail address, we will provide you with e-mail notification when various publications of interest to the Insurance Industry are posted on our website. CAR does not sell any e-mail addresses nor distribute e-mail addresses to a third party without the permission of the Member Company.

Employment Opportunities
We display employment opportunities on our website. If you choose to submit your resume or other information through our website, that information will only be used in considering your application for employment. CAR keeps employment application information strictly confidential, and does not disclose any personally identifiable information that you directly provide, except as required by law.

Links to Other Sites
As part of our continuing effort to provide information that may be of interest to the Massachusetts Insurance Industry, CAR provides a list of links to other insurance organizations. The linked sites are not under the control of CAR and CAR is not responsible for the content of any linked site or any link contained in a linked site. CAR is providing these links as a convenience, and the inclusion of any link does not necessarily imply endorsement by CAR of the site. Once you click over to a third party site, we encourage you to check that site's privacy policy. Questions relating to the CAR Privacy Policy should be sent to Joseph J. Maher Jr. Vice President, General Counsel & Secretary.