Although the internet is an incredible tool, it can also come with security risks. Modern consumers use the internet for man different facets of their dailv lives, many ot which require them to provide personal identifying information. It's important to us at Pavo Insurance Solutions Inc. to keep our customers safe online and ensure that personal information stays private.

We know just how important your privacy is to you, so we've made privacy a priority in every aspect of our online operations. To protect your privacy, Pavo Insurance Solutions Inc. follows global best practices for customer privacy and data protection.

• We won't sell or give away your name, mail address, phone number, email address or any other personal information to third parties.

• We use state-of-the-art security measures to protect your information from unauthorized users.
  We maintain and update our systems regularly to ensure the best possible privacy protection.

NOTICE

When we need information to personally identify you or contact you, we will explicitly state this upfront.

You will need to consent to provide this information. Some scenarios where this may happen include creating a user ID and password, signing a premium finance agreement, signing up for a newsletter, or downloading premium finance agreements. We use and store this personal information for three primary purposes, and, for your convenience, you will only have to provide this information once to use our online services. This information will never be used for any other purpose. The three purposes are:

• To help you find the software, services, or information you need quickly.

• To help us create content most relevant to you.

• To alert you to product upgrades, special offers, updated information, and other new services from PAVO.

CONSENT

If you choose not to register or provide personal information, you can still use some of Pavoinsure.com.

However, you will not be able to access areas that require registration. After you have completed your registration, you will be able to opt in to services like electronic newsletters and other communications from us. This allows Pavo Insurance Solutions Inc. to communicate with you about our products, programs, events, and services via email, telephone, or postal mail. If you do not wish to receive this type of communication, you may select the option stating that you do not wish to receive marketing messages.

Pavo Insurance Solutions Inc. occasionally allows other companies to offer our registered customers information about their products and services via postal mail only. If you do not wish to receive these offers, you may select the option stating that you do not wish to receive marketing materials from third parties. Registered users will only receive communications that they have consented to.

ACCESS

Registered users will be able to review and update any information they have provided to Pavo Insurance

Solutions Inc. at any time. We always make it easy for our registered users to:

• View and edit any personal information you have already provided to us.

• Give or revoke consent to marketing information from us as well as sale offers from third parties.

• Sign up for electronic newsletters about our services and products.

SECURITY

Pavo Insurance Solutions Inc. has taken strong measures to keep your personal information secure and honor your privacy practices. We take precautions to protect your data from unauthorized access or loss.

We offer safe and secure e-commerce transactions that are encrypted using SSL technology to protect your data.

Every customer transaction is guaranteed under the Fair Credit Billing Act. This legislation states that your bank cannot hold you liable for more than $50.00 in fraudulent credit card charges. If your bank does hold you liable for this amount, we will cover the liability in situations where your credit card was used fraudulently. In the event of unauthorized use of your credit card, you must notify your credit card provider in accordance with its reporting rules and procedures.

Pavo Insurance Solutions Inc. strictly protects the security of your personal information and honors your choices for its intended use. Your personal information is never shared outside the company without your permission, except under the conditions explained above. Inside the company, data is stored in password-controlled servers with limited access. Your information may be stored and processed in the United States of America, where its subsidiaries, affiliates, or agents are located.

You also have a significant role in protecting your information. Do not share your username and password with others, as this can compromise your personal security online.

ENFORCEMENT

If for some reason you believe Pavo Insurance Solutions Inc. has not adhered to the principles outlined iR this privacy policy, please notify us by email at hello@pavoinsure.com. We will do our best to determine and correct the problem promptly. Add the words "Privacy Policy" to the subject line.

ELECTRONIC PRODUCT REGISTRATION

When you buy and install a new product from us, we may ask you to register your purchase electronically.

When you do, we merge your registration information with any information you've already provided as part of your personal profile. If you haven't previously registered with us, we will create a personal profile for you from your product registration information.

If you ever want to review or update this information, you can do so on our website. If you haven't already created a Registration ID, we will ask you to do so. This ensures that only you can access your information.

CUSTOMER PROFILES

As mentioned above, we create a personal profile for each registered customer. Each profile is assigned a unique personal identification number. This ensures that you are the only one who can access your profile. This PIN is sent back to your hard drive in the form of a cookie, which is a very small amount of code. This code allows you to travel seamlessly across our online platform without having to re-register.

Even if you switch devices, you will only have to enter your registration ID and password to log in.

HOW WE USE YOUR INFORMATION

When users register with us, they provide contact information, which includes an email address. We use this information to send updates about accounts you have submitted, new product announcements, and product satisfaction surveys. When you submit an account to us, we save specific information for future transactions and customer service-related inquires. We do not save any personal identifying information within our system.

Pavo Insurance Solutions Inc. will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Pavo Insurance Solutions Inc. or the site; (b) protect and defend the rights or property of Pavo Insurance Solutions Inc. and its family of websites, and, (c) act in urgent circumstances to protect the personal safety of users of Pavo Insurance Solutions Inc., its websites, or the public.