Privacy Statement

The Penn Mutual Life Insurance Company and its subsidiaries and affiliates (hereinafter referred to as Penn Mutual) are dedicated to providing products and services that help protect you and your family. Just as important to us are the protection of your privacy and the safeguarding of the information that you voluntarily provide to us. Penn Mutual is the sole owner of the information collected from various areas on this Internet site. We will not sell, share or rent this information to others in ways different from that disclosed in this statement. In no event do we disclose personal information to any nonaffiliated third party for use in telemarketing, direct mail marketing or other marketing through electronic mail to the customer. Penn Mutual meets the affirmative and continuing obligations of state and federal law to respect the privacy of its customers and to protect the security and confidentiality of its customers' nonpublic personal information. This policy provides you with the details on what we will do and what we will not do with the information we collect on our Web site.

Site Usage Statistics and Log Files

We collect aggregate information on visitors to our site including the IP address (usually a temporary address assigned by an Internet Service Provider when you log in), type of operating system used and browser software. In addition, we track what portions of our site are visited, the number of visitors, and the time spent on our site. The information is used by Penn Mutual for statistical purposes only--to analyze trends, and ultimately improve our site. None of the information is linked back to you as an individual visitor.

Security of Personal Information

You are not required to provide us with personal information to enjoy our Web site, unless we need the information for specific sections of the site to function as designed. For example, Contact Us and Client Services requests may require you to provide information, such as your e-mail and home addresses, telephone number and contract/policy numbers, which allows us to identify you as the requester of service.

Whenever you provide information to us, it is kept in strict confidence and used only to answer your inquiry and fulfill your request. Sensitive information, such as contract/policy numbers, is encrypted and is protected with the most widely accepted software in the industry. While on a secure page, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just "surfing." Of course, if you have any security concerns, we will gladly accept requests for service through our existing toll-free phone service at 1-800-523-0650.

In addition, certain areas of the site may allow you to explicitly request that we share information with one of our agents so that the representative may contact you directly. Also, when you request more information and provide your telephone number, we assume that you are requesting contact from a Penn Mutual representative.

Although Penn Mutual keeps your personal information in strict confidence, please be aware that the Internet is not a totally secure medium. Complete security and confidentiality of information transmitted via the Internet are not possible at this time. Your confidential use of the site cannot be guaranteed, and your use of the site (including information you transmit to the site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Penn Mutual shall not be responsible or liable for any harm that you or any other person may suffer in connections with any such breach of confidentiality or security.

E-Mail Address

In addition to the situations above where we may request and use your e-mail address, we offer an e-mail subscription program. Our e-mail subscription program allows you to opt in and opt out of e-mails we may send from time to time. You may choose to opt in to e-mails based on your specific areas of interest. You may unsubscribe or change your preferences at any time from our Web site. We will keep your e-mail address in confidence and will not exchange your e-mail address with anyone outside of Penn Mutual.

Links

This Web site contains links to other sites. Please be aware that Penn Mutual is not responsible for the privacy practices of such other sites, and this privacy policy applies only to information on our site. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personal information.

Use of Cookies

Penn Mutual may use "cookie" or related technology in order to track usage of the site, and in order to improve our service to you.

Notification of Changes to this Policy

If we decide to change our privacy policy, we will post those changes on our home page so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We do not disclose personal information to any nonaffiliated third party without the customers' consent. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify and obtain confirmation from users by way of an e-mail. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

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