Privacy and Ownership Information

This website, located at www.ugcorp.com (the "website"), provides customers with information about services offered by United Guaranty Corporation and its subsidiaries and affiliates ("United Guaranty," "we," or "us"). Our address is United Guaranty, 230 N. Elm St., Greensboro, NC 27401. Our data collection and use policies with respect to visitors to the website are set forth in this statement. By using this website, you signify your acceptance of this Notice.

What is "personally identifiable information"?

When reviewing this Notice you should understand that when we use the term "personally identifiable information," we mean any information that can be used to identify or contact a specific individual, such as a name, address, telephone number, or email address. When we refer to "aggregate information," we mean information that does not allow us to identify or contact a specific individual, such as demographic information or visitors using a particular browser to access the website.

What types of personally identifiable information does United Guaranty collect on the website?

We collect various types of personally identifiable information from visitors to the website. For instance, visitors may choose to opt-in to receive special email offers, promotions, and industry information. To opt-in, visitors are required to sign up by providing their email address and other contact information. We may also receive certain personally identifiable information about you when you use our applications or social media pages, including your social media account ID and profile picture.

Does United Guaranty collect any other information about visitors to the website?

We constantly seek to maintain the integrity of, and make improvements to, the website. As part of these efforts, we collect and analyze certain aggregate information about how visitors use the website, as stated below.

When you visit our website, we may collect various types of technical data including (but not limited to) domain and/or web browser information. This data is gathered using cookies and other similar technologies. Cookies are small pieces of information that our server places on a visitor's computer hard drive to enable that person to more easily communicate and interact with the website and to provide us with important information on how visitors use the website. Many web browsers are automatically set to accept cookies. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. Please note, however, that rejecting cookies while visiting the website may result in certain parts of the website not operating correctly or as efficiently as if cookies were allowed. One type of cookie that is collected is the Site Catalyst cookie (by Adobe), which enables us to collect and analyze data about how visitors arrive at the website and then how they interact with the website, including products they may search, content they may view, and the steps leading up to a completed or abandoned sale. We also collect information using Google Analytics, which uses cookies for services such as remembering users’ preferences or counting how many users have visited a page. We use this aggregated information to adapt the website to better serve their and other users' needs and interests, and to provide more relevant and useful information. The cookie is placed on a visitor's PC on a temporary basis only. The cookie does not collect or use the visitor’s personally identifiable information. Instead, it logs an anonymous code that identifies users and "follows" users in their journey through the website. We use the aggregated and anonymous information for statistical analysis.

In addition, we may use a service that collects data remotely by using so-called "pixel tags," "web beacons," "clear GIFs" or similar means (collectively, "Pixel Tags") embedded in the website's content. A Pixel Tag is an electronic image, often a single-pixel (1x1), that is ordinarily not visible to website visitors and may be associated with cookies on the visitors' hard drives. The data we collect includes which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, email address, or any other contact information.

Please note that certain aggregate information may be linked with personally identifiable information. Any such linked information will be treated as personally identifiable information for the purposes of this Notice as long as it is so linked.

We do not respond to browser do-not-track signals at this time.

What does United Guaranty do with personally identifiable information collected on the website?

We will use personally identifiable information provided by visitors to fulfill the purpose for which such information was provided, as described in this Notice or the Arch MI Privacy and Security Program Summary, or as disclosed at the time the visitor information is requested.

We use the information submitted via our website to respond to your inquiry or add your email address to our distribution list(s). We also may use the information submitted to ask you follow-up questions about which products you have purchased or are considering purchasing, in order to improve our services and better understand your needs. United Guaranty may store the information you submit via our website for such period of time as may be necessary, in its discretion, to resolve your inquiry.

We may also offer visitors the opportunity to receive special promotions. If a visitor elects to receive such offers by opting in, we will use the information provided by that visitor to send those offers.

We may also use the information to facilitate social media sharing functionality.

Can I "opt out" of receiving email promotions from United Guaranty?

If you change your mind about receiving promotional emails or electronic newsletters, you may choose not to receive such communications from us by following the "unsubscribe" instructions in the specific email from which you wish to opt-out. We will respond to a request made pursuant to these methods as promptly as practicable. Even if you elect to stop receiving promotional emails from us, we may still contact you to tell you important information about the website or us.

Does United Guaranty share personally identifiable information with other companies?

We will not intentionally share your personally identifiable information with unaffiliated entities except: (1) as described in this Notice or as disclosed at the time your personally identifiable information is provided; or (2) with your consent.

United Guaranty works with third parties that provide services to us and we may share your personally identifiable information with third parties, including without limitation: website hosting or information technology consulting services, marketing and promotion services, newsletters, data analysis, legal services, accounting services, and other administrative and back-up and security services.  We may share information with recipients of your social media sharing activity such as friends associated with your social media account(s), other website users and your social media account provider(s).

We may also disclose personally identifiable information in order to: (1) comply with applicable laws; (2) respond to governmental inquiries or requests; (3) comply with valid legal process; (4) protect the rights, privacy, safety, or property of United Guaranty, our parent company Arch Capital Group Ltd., website visitors, or the public; (5) permit us to pursue available remedies or limit the damages that we may sustain; and (6) enforce our Terms of Use.

In the event there is a change in the corporate structure of United Guaranty, such as, but not limited to, merger, consolidation, sale, liquidation, or transfer of substantial assets, United Guaranty may, in its sole discretion, transfer, sell or assign information collected on and through this website, including, without limitation, personally identifiable information concerning visitors, to one or more affiliated or unaffiliated third parties.

What does United Guaranty do with aggregate information collected on the website?

Because aggregate information collected on the website does not personally identify you, we may use aggregate information for any purpose, and share aggregate information with third parties for any purpose.

We share the information gathered using cookies, Pixel Tags and other similar technologies with our affiliated companies and with our third-party vendors, Adobe Systems and Google Analytics. Adobe Systems and Google Analytics give us reports of this aggregated data. We use this data to improve our site by responding to our users' interests and providing more relevant and useful information as well as for data analytics. For example, we use aggregate information collected on the website to evaluate how the website is being used. In addition, we may collect and analyze information about how many visitors arrived at certain pages of the website, how long they stayed on those pages, and where they went afterwards. This information allows us to determine which pages might be the most interesting to and popular with visitors and enables us to provide visitors with a better and richer experience on the website. For example, we may use certain aggregate information to improve the performance of our website and to customize the content and layout of our website pages for you.

To learn more about Adobe Systems' privacy standards and use of web beacons, please visit: http://www.adobe.com/privacy.html.

To learn more about Google’s privacy standards and use of cookies, please visit: https://www.google.com/policies/technologies/cookies.

If I link to another site and provide information to that site, how will that information be handled?

This website may contain links to other websites. The operator of such other website (whether United Guaranty or a third party) may collect information about you, including through cookies or other technologies. If you link to another site, you will leave this website and this Notice will not apply to your use of and activity on those other sites.

If you provide personally identifiable information through any such site, your transaction will occur on that site (not the website) and the personally identifiable information you provide will be collected by, and controlled by the privacy policy of, that site's operator. Links on the website to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked site. We encourage you to read the legal notices posted on those sites, including their privacy policies. We shall have no responsibility or liability for your visitation to, and the data collection and use practices of, such other sites. This Privacy Notice applies solely to online information collection and use practices in connection with this website; it does not apply to any practices conducted offline or in connection with other websites owned or operated by United Guaranty or any third parties.

How does United Guaranty protect the information I provide to the website?

We take reasonable precautions to safeguard the personally identifiable information transmitted between visitors and the website and the personally identifiable information stored on our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, although we strive to protect your personally identifiable information, we cannot ensure the security of any information you transmit to us through or in connection with the website. No method of transmitting or storing data is completely secure. If you have reason to believe that your interaction with us is no longer secure, you must immediately notify us of the problem by contacting us at readirep@ugcorp.com.

In the unlikely event that we believe that the security of your personally identifiable information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your email address, we may notify you by email.

Where will United Guaranty store and maintain information about me?

We maintain this website in the United States. By providing personally identifiable information and other information to this website, you understand and consent to the collection, use, processing, and transfer of such information to the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Notice.

Can United Guaranty change this Notice?

Yes. We reserve the right to change this Notice in order to address future developments of United Guaranty, the website, or changes in industry or legal trends. Depending on the nature of the change, we will either: (1) announce the change on the home page of the website or (2) take such other action as we deem appropriate under the circumstances, including without limitation, posting the revised draft of this Notice on the website. You can determine when this Notice was last revised by referring to the "Last Revised" legend at the top of this page. Any changes to this Notice will become effective upon posting of the revised Notice on the Internet, accessible through the website. By continuing to use the website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Notice, as it may be amended from time to time, in whole or part, please do not continue using this website. If you have any questions or comments about this Notice, please feel free to contact us at privacy@ugcorp.com.

For more information, please see the Arch MI Privacy and Security Program Summary.