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 * Who We Are
   * Our Services
   * Ryan Specialty History
   * Chairman's Letter
   * Leadership
 * Our Approach
   * Our Values
   * Our Difference
   * Environmental, Social & Governance
 * What We Offer
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   * Binding Authority
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RYAN SPECIALTY PRIVACY STATEMENT 

Posted on 10.18.22


SUMMARY AND OVERVIEW

Integrity in our dealings with clients, employees, carrier trading partners and
service trading partners (collectively, “clients”) is a cornerstone of our
culture. Our commitment extends to personal information about our clients that
we might possess or acquire. We strive to protect the personal information under
our control and take certain precautions to help maintain the security and
accuracy of that data.

Ryan Specialty, LLC is an international firm, with legal entities, business
processes, management structures and technical systems that cross geographic
borders. This Privacy Statement applies to all Ryan Specialty affiliates and
locations including RSG Specialty, LLC and RSG Underwriting Managers, LLC (“Ryan
Specialty”). If you have questions or concerns regarding this statement, you
should contact Ryan Specialty via the contact information included at the end of
this Privacy Statement.

Ryan Specialty collects information during your visit to a Ryan Specialty
website through cookies and other tracking technologies, which are used to help
compile aggregate statistics about usage of its websites, analyze performance
and traffic on our website, improve content and enhance and personalize the user
experience.  We also share information about your use of our site with social
media, advertising, and analytics vendors  These may be used by those companies
to build a profile of your interests and show you relevant advertisements on
other sites.  They do not store directly personal information, but are based on
uniquely identifying your browser and internet device.  If we have detected an
opt out preference signal, then it will be honored.  You may opt out of this
collection and usage of information through our, Do Not Sell or Share button
below, which will take you to our Cookie Preference Center: Cookies Settings.

Through ryansg.com, you may link to web pages and websites operated by Ryan
Specialty and its subsidiaries and affiliates in various jurisdictions. If a
Ryan Specialty subsidiary or affiliate site has its own specific privacy policy,
the provisions of that specific policy will prevail. Ryan Specialty also may
provide links to websites that are external to Ryan Specialty. These websites
are not operated or controlled by Ryan Specialty, and Ryan Specialty is not
responsible for the privacy practices or the content of such external websites.

Ryan Specialty will not sell, rent or lease your personal information. Due to
the international nature of services provided by Ryan Specialty, 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.

Individuals may have certain rights of access to personal information held by
Ryan Specialty and to have such data corrected where incorrect or deleted.
Please email RegulatoryCompliance@ryansg.com or contact us at 888-291-0045 for
further information or to request access, correction or deletion, or click on
this link in order to make such a request.

From time to time, Ryan Specialty may update this Privacy Statement and the
jurisdiction privacy statements set out here. Please note that the effective
dates shown for each statement shows when this Privacy Statement was last
revised. We encourage you to review this Privacy Statement periodically so that
you are informed of our current practices. By continuing to use any of the Ryan
Specialty Online Services after we post a newly updated Privacy Statement on the
Sites, you consent to any changes we make to this Privacy Statement

Because differing laws apply in the various jurisdictions where Ryan Specialty
does business, we have included links to the various privacy statements
applicable to residents of different locations. Please see the privacy statement
that is applicable to your location.

Effective as of 28 July 2022.

ADDITIONAL NOTICE TO CALIFORNIA RESIDENTS


This privacy statement applies to RSG Specialty, LLC, USA (in California: RSG
Specialty Insurance Services, LLC) and Ryan Specialty Underwriting Managers,
LLC, USA (in California: RSG Insurance Services, LLC) and all their subsidiaries
and affiliates operating in the United States.

This section supplements our Privacy Statement and provides specific information
for residents of California (“consumers” in this section) and is intended to
satisfy the California Consumer Privacy Act of 2018 (“CCPA”), as amended by the
California Privacy Rights Act of 2020 (collectively, referred to as “CPRA”). 
The CPRA requires that we provide certain information to California consumers
about how we handle your Personal Information that we have collected, whether
online or offline.  Under the CPRA, “Personal Information” is any information
that identifies, relates to, describes, is reasonably capable of being
associated with, or could reasonably be linked, directly or indirectly, with a
particular California resident or household, including the categories
of Personal Information identified in a table below to the extent they identify,
relate to, describe, are reasonably capable of being associated with, or could
be reasonably linked, directly or indirectly, with a particular consumer or
household.

In some circumstances, we act as a service provider under the CPRA and collect
and use Personal Information on behalf of another unaffiliated company.  Where
your Personal Information is processed by us when acting as a service provider,
the other company’s privacy policy will apply, and requests to exercise CPRA
rights should be submitted directly to that company. In other circumstances, we
act as a service provider for one of our own affiliated companies, and in that
situation this section of the Policy will apply.  If you make a request to
exercise CPRA rights to us where we are acting as a service provider under the
CPRA, we may be required to disclose your request to the company for which we
are acting as a service provider.

For purposes of this Additional Privacy Statement for California residents, the
following Personal Information is not covered by the CPRA and does not include:

 * Public information lawfully made available from government records.
 * De-identified or aggregated consumer information.
 * Information excluded from the CPRA’s scope, like:
   * health or medical information covered by the Health Insurance Portability
     and Accountability Act of 1996 (HIPAA) and the California Confidentiality
     of Medical Information Act (CMIA) or clinical trial data;
   * Personal Information covered by certain sector-specific privacy laws,
     including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act
     (GLBA) or California Financial Information Privacy Act (FIPA), and the
     Driver’s Privacy Protection Act of 1994.

Further, this privacy statement does not apply to our current employees.
Employees should refer to Ryan Specialty’s Employee Handbook for the applicable
privacy statement.  For a copy of the Employee Handbook, please contact
HR@ryansg.com.

If you are a California resident, you have specific rights, which are described
in detail below.  For all requests to exercise your privacy rights or for
further information, please email RegulatoryCompliance@ryansg.com, or contact us
at 888-291-0045 or visit Data Subject Request in order to make such a request.

Our CPRA Notice at Collection is found below.

California Notice at Collection:

Categories of Personal Information Collected, Disclosed, Sources and Whether
Sold or Shared

The type of information we collect from you depends on how you interact with us.
The information below lists the categories of Personal Information that we have
collected from California residents and have disclosed to others for a business
purpose in the preceding twelve (12) months, the categories of sources
of Personal Information from which the Personal Information is collected, and
whether we sell or share each collected category of Personal Information.
Some Personal Information included in the categories below may overlap with
other categories.

WHAT CATEGORIES OF PERSONAL INFORMATION DO WE COLLECT?

We may collect, and have collected in the past 12 months, the following
categories of personal information about you and/or your dependents:

 * * PERSONAL IDENTIFICATION
     Name; date of birth; gender; race/national origin; physical traits; contact
     details (home and work address, telephone numbers, email addresses); and
     username, password, password reminder questions and answers for Ryan
     Specialty Online Services.
   * GOVERNMENT-ISSUED IDENTIFICATION
     Identification numbers include but are not limited to Social Security
     number, other tax identification number, Medicare number, passport number,
     military identification number, and driver’s or other license numbers.
   * BACKGROUND DATA
     Marital status; family history; educational history; employment history and
     job titles; professional licenses and affiliations; and relationship to the
     policyholder, insured or claimant.
   * HEALTH AND MEDICAL DATA
     Current or former physical or mental or medical condition; biometric and
     genetic data; history of medical procedures or surgeries; date and cause of
     injury, disability, or death; medication information; medical insurance
     information; and relevant personal habits such as smoking or drug and/or
     alcohol consumption.
   * FINANCIAL DATA
     Bank account number; other account numbers and details for financial
     institutions or credit cards or payment cards; income; assets (real and
     personal property); liabilities; credit history and credit score; history
     of insolvency; and other financial information.
   * DATA THAT ALLOWS RYAN SPECIALTY TO PROVIDE YOU WITH INSURANCE SERVICES OR
     PRODUCTS
     Details about your business and status as an insurance agent or broker;
     your status as owner, director, shareholder, member or partner, or other
     ownership or management interest in an organization; policy and claim
     numbers; prior or present insurance policies, coverage and claims;
     photographs or video recordings received in the course of business such as
     claims processing; location and identification of insured property such as
     property address, vehicle license plate, identification number,
     registration number, or safe deposit box location and number; other
     insurance you hold; and other data in activity notes and emails based on
     our previous communications with you.
   * YOUR PREFERENCES
     We may note your preferred form of communication and marketing and record
     the interest you show in our services and products.
   * SOCIAL MEDIA ACCOUNT INFORMATION
     When you use our Portals or follow our social media pages, Ryan Specialty
     may receive additional personal information from you, including personal
     information that is part of your profile relating to those accounts or your
     friends’ profiles. Please review the applicable privacy policies for your
     social media accounts. We are not responsible for the data collection or
     the privacy practices of any social media accounts.
   * OTHER PERSONAL INFORMATION
     In the course of doing business with you, we may obtain personal
     information about you, such as your history of civil claims and lawsuits,
     criminal record, job performance, data regarding sexual life or sexual
     orientation, religious or philosophical beliefs, ethnic origin, or
     preferences for medical treatment.
   * INFORMATION FROM OTHER SOURCES
     We may also collect personal information about you from other sources,
     including commercially available sources and our business affiliates or
     partners.

WHERE DO WE COLLECT PERSONAL INFORMATION FROM?

In general, we may collect personal information about you, directly and
indirectly, depending on your relationship with us—whether as an individual
client, agent, broker, a policyholder, claimant, employee of our corporate and
association clients, family member of any such person, or other person who we
employ or with whom we do business.

Specifically, we may collect your personal information from the following
sources:

 * * You or your family member orally or in paper and/or online applications or
     other documents for insurance, employment, or other services.
   * Claimants submitting information relating to an insurance claim.
   * Third parties, such as insurance or reinsurance companies, prospective or
     actual brokers, reinsurance intermediaries, adjusters, third party
     administrators, investigators or agents, third party data providers;
     corporations or other legal entities or their agents seeking insurance or
     seeking servicing of their insurance, medical professionals, financial
     institutions, motor vehicle and driver licensing authorities, others with
     information about the risk that we are servicing or obtaining insurance for
     or about a claim; prospective or actual business partners, vendors,
     contractors and service providers; ; and sources of publicly available
     information.
   * Affiliates, subsidiaries, insurers, intermediaries, third party providers
     and others in connection with providing or responding to a request for
     services.
   * Consumer or credit reporting agencies.
   * In some instances, we automatically collect certain types of information
     when you visit our websites and through e-mails that we may exchange.
     Automated technologies may include the use of web server logs to collect IP
     addresses, “cookies” and web beacons. Further information about our use of
     cookies can be found in our Cookie Notice and Cookie Preference Center at
     the footer of our page (where applicable).

HOW DO WE USE PERSONAL INFORMATION?

We use and disclose, and have used and disclosed in the past 12 months, your
personal information to operate our business:

Communications.

We use your personal information to communicate with you and others for reasons
such as:

 * * to give you information that you requested from us about our services or
     products;
   * to communicate with you regarding your account or your business or
     employment relationship with us;
   * to advise you of changes to any of the Ryan Specialty Online Services or
     any service or product we provide.

Business purposes.

We use and disclose your personal information in running our business such as:

 * * to determine eligibility and process applications for insurance services
     and products;
   * to handle transactions such as payments and claims handling;
   * to perform general business operations including audit; accounting and
     finance; billing and collection; data storage; website hosting; information
     technology functions; product development; records and information
     retention; fraud and risk management, detection, and prevention;
   * to permit you to use the interactive features of the Ryan Specialty Online
     Services;
   * to conduct data analytics in order to evaluate and improve existing
     business operations, services, and products and develop new or improved
     features, services or products;
   * to confirm an individual’s identity and handle a request to know or delete
     personal information, as permitted by law;
   * in any other way we disclose when you provide the information; and
   * for any other purpose for which you give consent.

Legal.

We use and disclose your personal information for legal purposes such as:

 * * to fulfill our obligations and enforce our rights under any contract
     between you and us;
   * to comply with legal and regulatory obligations and legal process such as
     court orders and subpoenas;
   * to respond to lawful inquiries from governmental, regulatory and other
     authorities;
   * for diversity, equity, and inclusion purposes; and
   * to obey all applicable laws.

Promotional Marketing.

Ryan Specialty uses and discloses your personal information to provide you with
information relating to new or improved service or product such as:

 * * to deliver marketing content or promotional communications that may be of
     interest to you; and
   * to transmit direct marketing, including newsletters, emails or other
     information that you have requested.

Unsubscribe.

Ryan Specialty uses and discloses your personal information to maintain a list
of individuals who have unsubscribed from our mailings or electronic
communications.

TO WHOM DO WE DISCLOSE PERSONAL INFORMATION?

Ryan Specialty may disclose personal information among its affiliated businesses
and with third-party service providers acting on Ryan Specialty’s behalf. To
provide you and others with insurance services and products, we may disclose
your non-public personal information to:

 * * Our subsidiaries, operating companies, and affiliates;
   * Consultants, vendors, and other service providers, who (i) process or
     complete the transaction for which the information was provided or (ii)
     provide services for Ryan Specialty such as payment and application
     processing, marketing, technical support, webhosting, data storage, or data
     analysis and need your personal information to perform said work services
     and are contractually restricted from using or disclosing the personal
     information except as necessary to perform services on our behalf or to
     comply with legal requirements;
   * Agents, brokers, auditors, counsel, consultants, insurers, reinsurers,
     retrocessionaires, advisors, representatives, business partners, banks,
     operating systems or platforms, advertising networks.
   * Any entity that is needed to protect the rights and property of Ryan
     Specialty and our employees, agents, users and other third parties or to
     prevent physical harm or financial loss of Ryan Specialty, our users or any
     third party;
   * Law enforcement, governmental entities, courts, and regulatory,
     governmental, or other legal authorities to respond to lawful requests for
     information;
   * A third party in order to comply with a court order, subpoena, search
     warrant, other legal process or law;
   * An interested buyer (in the course of due diligence), actual buyer or
     successor of some or all the assets of Ryan Specialty; and
   * Any third party with your authorization or for any other purpose disclosed
     by us when you provided your information.

SALES OR SHARING OF PERSONAL INFORMATION

Ryan Specialty collects information during your visit to a Ryan Specialty
website through cookies and other tracking technologies, which are used to help
compile aggregate statistics about usage of its websites, analyze performance
and traffic on our website, improve content and enhance and personalize the user
experience.  We also share information about your use of our site with social
media, advertising, and analytics vendors.  These may be used by those companies
to build a profile of your interests and show you relevant advertisements on
other sites.  They do not store directly personal information, but are based on
uniquely identifying your browser and internet device.  If we have detected an
opt out preference signal, then it will be honored.  You may opt out of this
collection and usage of information through our, Do Not Sell or Share button
below, which will take you to our Cookie Preference Center: Cookies Settings.

HOW LONG DOES RYAN SPECIALTY KEEP YOUR PERSONAL INFORMATION?

We will retain your personal information for as long as it is reasonably
necessary, pursuant to our records retention guidelines. Our records retention
guidelines are based on our legal or business needs including but not limited to
the following criteria: operational, fiscal, administrative or historical value
to business operations; legal and regulatory obligations; contractual
requirements owed to third parties; the statutory or regulatory requirement to
retain files for a certain period of time; the duration of our business
relationship with you, your employer, or another related entity; the possibility
of future complaints; whether the record is part of an insurance or reinsurance
transaction or claim file; audits, investigations or litigation or the
likelihood of these; the possibility of future insurance or reinsurance claim
activity; whether the documentation is needed for processing or financial
records; statutes of limitations; health and safety requirements; tax
requirements; personnel requirements; corporate governance requirements; and
record-keeping requirements.

Deidentification of Personal Information

We may deidentify Personal Information and use it for our internal purposes. We
commit to maintaining and using this information in deidentified form and will
not attempt to reidentify the information, except to determine whether our
deidentification process satisfies the CPRA.

Your Rights and Choices Regarding Your Personal Information

This section describes the specific rights California consumers have regarding
their Personal Information under the CPRA, subject to certain exceptions, and
how to exercise those rights:

As a California resident, you have the following rights:

Right to Know: You have the right to know what personal information we have
collected about you, including the categories of personal information, the
categories of sources from which the personal information is collected, the
business or commercial purpose for collecting personal information, the
categories of third parties to whom we disclose personal information, and the
specific pieces of personal information we have collected about you.  You also
have the right to know the business or commercial purpose for selling or sharing
your personal information.

Once we receive and verify your request, we will disclose to you as required:

 * the categories of personal information we collected about you;
 * the categories of sources from which we collected personal information about
   you;
 * categories of personal information we have disclosed for a business purpose;
 * the categories of third parties to whom we have disclosed that personal
   information;
 * our business or commercial purposes for collecting that personal information;
   and the specific pieces of personal information we collected from you.

Right to Correct:  You have the right to correct inaccurate personal information
that we maintain about you.

Right to Delete: You have the right to request that we delete the personal
information that we have collected and retained (without charge) unless an
exemption applies. Once we receive and verify your request, we will delete (and,
if applicable, direct our service providers to delete) your personal information
from our records, unless an exemption applies.

Right to opt out of sale or sharing or personal information: If a business
“sells” or “shares” Personal Information as those terms are defined under the
CPRA, you have the right to opt-out of the sale or sharing of your Personal
Information.   Ryan Specialty collects information during your visit to a Ryan
Specialty website through cookies and other tracking technologies, which are
used to help compile aggregate statistics about usage of its websites, analyze
performance and traffic on our website, improve content and enhance and
personalize the user experience.  We also share information about your use of
our site with social media, advertising, and analytics vendors.  If we have
detected an opt out preference signal then it will be honored.  You may opt out
of this collection and usage of information through our, Do Not Sell or Share
button below, which will take you to our Cookie Preference Center: .

Right to Limit Use and Disclosure of Sensitive Personal Information. We do not
use or disclose sensitive Personal Information other than for limited purposes
permitted under the CPRA and, as such, are not required to offer consumers a
right to limit its use.

Right to Non-Discrimination.  We will not discriminate against you for
exercising any of your privacy rights under the CPRA.

How to Exercise your rights: For all requests to exercise your privacy rights or
for further information, please email  RegulatoryCompliance@ryansg.com, or
contact us at 888-291-0045, or visit Data Subject Request in order to make such
a request.

You can submit a correction, deletion or right to know request as instructed
above.   We will respond to verifiable requests received from California
residents as required by law. When you submit a request to know or a request to
delete, we will take steps to verify your request by matching the information
that you provide with the information we have in our records and/or requiring
authentication through your usual log-in credentials if you are an
accountholder.

You or your authorized agent must complete all required fields on our Data
Subject Request web page (such as your name, email address, and physical
address) or otherwise provide us with this information via the above toll-free
number. In some cases, we may request additional information to verify your
request or where necessary to process your request. We may also carry out
checks, including with third party identity verification services, to verify
your identity before taking any action with your personal information. If we are
unable to adequately verify a request, we will notify the requestor. Authorized
agents may initiate a request on behalf of another individual by contacting us
at the number above or through our Data Subject Request web page; authorized
agents will be required to provide proof of their authorization and we may also
require that the relevant consumer directly verify their identity and the
authority of the authorized agent.

PRIVACY OF CHILDREN

Ryan Specialty Online Services are not intended for children. We do not
knowingly collect or solicit personal information from anyone under the age of
13 without parental consent. We do not knowingly allow anyone under the age of
13 to register for any services. If we learn that we have collected personal
information from a child under age 13, we will delete that information as
quickly as possible. If you believe that a child under 13 may have provided us
personal information, please contact us at the email address or telephone number
below. We expect all information provided by online users to be truthful and
correct regarding age and other information provided.

CHANGES TO THIS PRIVACY STATEMENT

From time to time, Ryan Specialty may update this Privacy Statement. Please note
that the Effective Date below shows when this Privacy Statement was last
revised. We encourage you to review this Privacy Statement periodically so that
you are informed of our current practices. By continuing to use any of the Ryan
Specialty Online Services after we post a newly updated Privacy Statement on the
Sites, you consent to any changes we make to this Privacy Statement.

Effective as of April 17, 2023.

 

CALIFORNIA RESIDENT INSURANCE CUSTOMER NOTICE OF RIGHTS


Under the California Insurance Information and Privacy Protection Act,
California residents who are our insurance consumers have the right to submit a
written request to access, correct, amend, or delete your personal information.

You may exercise your rights by calling 1-888-291-0045, emailing a written
request to us at regulatorycompliance@ryansg.com or completing a webform request
at https://ryanspecialty.com/data-subject-request.

If you contact us to exercise these rights, you have the right to receive a
response within 30 business days of submitting your submission.

If we refuse your request, we will notify you and you have the right to file a
statement regarding what you believe to be accurate and fair information and why
you disagree with our refusal.

The rights set out above are not limited by any other Privacy Notice that we may
send to you.

How to Contact Us

If you have any questions or comments about these California Notices please
contact us at:

Toll-free phone number:  1-888-291-0045
Email:  regulatorycompliance@ryansg.com

CANADA PRIVACY NOTICE


Who does this statement apply to?

This policy applies to all collection, use, sharing and disclosure of personal
information by RSG Insurance Services of Canada Limited (“Ryan Canada”), a
Canadian corporation, including all of its trade names used in Canada and
various provinces, in the course of providing insurance services. Ryan Canada is
an insurance broker that works directly with brokers, agents and insurance
carriers. Ryan Canada is an affiliate of Ryan Specialty, LLC (“Ryan Specialty”)

What is “personal information”

“Personal Information” is information about an identifiable individual. However,
it generally does not include business contact information when used to contact
a person in respect of their business role or function.

Personal information also does not include de-identified or aggregated
information.  Sometimes we will de-identify information in order to use and
share that information for our business purposes in a way that does not identify
you. For example, we may aggregate your personal information with other
individuals to prepare claims statistics.

Why we collect, use and disclose personal information

Collecting and processing personal information about you is essential to our
being able to provide products and services to you (including individuals
associated with you, all of whom we refer to as “Client” in this Privacy
Policy). While the personal information we collect may come directly from you,
it will often come to us through your insurance broker or agent, and may also be
provided by our affiliates or other third parties (such as employers, insurance
companies, adjusters, insurance brokers or agents, credit organizations, motor
vehicle and driver licensing authorities, financial institutions, medical
professionals, etc.).

Personal information may be used for the following purposes that are integral to
our services:

 * To determine eligibility and process applications for products and services
   and to provide information and services
 * To understand and assess ongoing needs of Clients and potential Clients and
   offer products and services to meet those needs
 * For communication, service, marketing, billing and administration
 * For claims administration and data analysis
 * For fraud detection and prevention
 * To comply with sanctions and anti-money laundering laws and regulations;
 * To obtain and update credit information with appropriate third parties, such
   as credit reporting agencies, where transactions are made on credit
 * To conduct data analytics in order to evaluate and improve existing, business
   operations, services, and products and develop new or improved features,
   services or products
 * To confirm an individual’s identity and handle a request to know or delete
   personal information, as permitted by law
 * In any other way we disclose when you provide the information; and
 * Other purposes disclosed in our terms of business or disclosed to you at the
   time of collection, use or disclosure.

Personal information may also be used for additional purposes including:

 * For analytics purposes
 * To develop proprietary tools and databases
 * To provide consulting services to third party administrators, insurance
   companies or others in the insurance industry
 * To comply with legal, audit, security and regulatory requirements

 * To fulfill our obligations and enforce our rights under any contract between
   you and us
 * To otherwise protect or enforce our rights or those of other brokers, agents,
   insurance carriers or Clients
 * To comply with legal and regulatory obligations and legal process such as
   court orders and subpoenas
 * To respond to lawful inquiries from governmental, regulatory, and other
   authorities; and
 * To obey all applicable laws

We will not collect, use or disclose your personal information for any purpose
without your  consent.

What information we collect


DEPENDING ON THE PRODUCTS OR SERVICES YOU REQUEST, WE MAY COLLECT INFORMATION
THAT YOU PROVIDE ON APPLICATIONS FOR PRODUCTS AND SERVICES TO US OR TO YOUR
INSURANCE BROKER OR AGENT, SUCH AS YOUR CONTACT INFORMATION, GENDER, AGE AND
BIRTHDATE, HEALTH CONDITIONS, FINANCIAL INFORMATION, EMPLOYMENT HISTORY, INCOME
INFORMATION, AND OTHER RELEVANT AND NECESSARY INFORMATION AND DOCUMENTS RELATING
TO THE SERVICES WE PROVIDE, WHICH COULD INCLUDE:

 * Driver’s license number
 * Credit card numbers
 * Social insurance number, passport number or other national identification
   number
 * Information relating to marital and family status including court orders and
   domestic agreements
 * Wills and estate documentation
 * Pension and benefits information

To assess risk or if you make a claim, we may collect information from insurers,
industry associations, claims adjusters, and consumer reporting agencies.

In addition to the information you or your insurance broker or agent may
provide, Ryan Canada may collect information from commercially available sources
that it deems credible. Such information may include your name, address, email
address and demographic data, and it may be stored in internal systems, such as
sales management applications. These systems permit Ryan Canada employees to
access and process such data solely for the purposes of customer fulfillment,
business administration, business reporting, statistical analysis and marketing
of Ryan Canada products and services.

Consent to use personal information

We may obtain your express consent or we may determine that consent has been
implied by the circumstances. Express consent can be verbal (in person or over
the telephone), written or by electronic application (including email or through
an online portal). Implied consent occurs when we can assume you have given
consent by some other action you take or decide not to take. For example, if you
request a specific product or service from us or your agent or broker, and you
provide us or your broker or agent with personal information in that regard, we
infer that you consent to us using that personal information reasonably to
provide our insurance related services as set out above.

If you need to provide personal information about other individuals (such as
employees, dependents, etc.), you must obtain their consent for these purposes
prior to your disclosure to us.

When you request services from us, we ask that you provide information that
enables us to respond to your request. In doing so, you consent to our
collection, use and disclosure of such personal information to third party
service providers that assist us in providing our services. You also authorize
us to use and retain this personal information for as long as it is required for
the purposes described above. Your consent remains valid even after the
termination of our relationship with you, unless you provide us with written
notice that such consent is withdrawn. Your ability to withdraw consent may be
limited by legal or contractual restrictions.  You should note that by
withdrawing your consent, or not providing it in the first place, you may limit
or even prevent us from being able to provide you or an authorized third party
(such as an employer) with the products or services desired. To withdraw your
consent to the continued use, retention and disclosure of your Personal
Information, please contact us using the contact information set out below.

Generally, you may refuse or withdraw your consent to the collection, use or
disclosure of your personal information at any time except in some
circumstances. In certain circumstances, refusing to provide personal
information or withdrawing consent will mean that you will not be entitled to
insurance policy issuance or renewal, insurance underwriting or claims
administration of existing policies. Additionally, in certain circumstances we
will not need to obtain consent or explain the purposes for the collection, use
or disclosure of personal information. For example, this exception would apply
if there is an emergency that threatens the life, health or security of an
individual, for fraud detection or prevention, or if we must comply with a court
order.

Sharing personal information with others

Ryan Canada only shares or discloses personal information as is required and
described in this Policy or as otherwise required or permitted by law. In
providing our services, we may need to share the personal information we collect
to affiliates, subsidiaries, successors and other service providers or
agents performing functions for us, including:

 * Brokers which may or may not be affiliates of Ryan Specialty that must be
   utilized to access certain insurance markets or that have come to Ryan
   Specialty for help in procuring insurance
 * Motor vehicle licensing authorities, for license verification purposes and to
   check driving records for underwriting purposes
 * Document printing services
 * Insurance, actuarial, and benefits consultants
 * Administrative support providers
 * Any third parties providing services to Ryan Canada or on our behalf to
   assist us in providing insurance related services

Such parties may be located in Canada, or in other jurisdictions outside of
Canada, including the United States. While your personal information is always
subject to confidentiality obligations, while stored in another jurisdiction, it
may be subject to the laws of that jurisdiction. As a result the information may
be accessed by the courts, government, law enforcement, and regulatory
authorities of that country.

Depending on the products or services that we provide to you, we may disclose
personal information to insurance companies and/or their managing general agents
or underwriters, reinsurers and other parties who have a need for the
information in order to make available insurance coverage and other products and
services. We also share information with claims adjusters and insurers in order
to settle claims. If we are legally entitled to do so, we may disclose
information to consumer reporting agencies, insurance reporting agencies and
governmental authorities when requested to do so or in order to protect our
business. We may also be required by law or by rules of arbitration or rules of
court to disclose information to certain third parties.

Ryan Canada develops and uses proprietary platforms and databases to gather,
store and use information about insurance policies, including, but not limited
to, names, industry codes, policy types, premium and policy expiration dates as
well as information about the insurance companies that provide coverage to our
Clients or compete for our Clients’ insurance placements. Ryan Canada uses and
combines this information and other information collected from Ryan Canada’s
Clients for the purposes of developing Ryan Canada’s products and services and
Ryan Canada’s relationship with our Clients (for example: benchmarking, market
research, data analysis, and marketing of products and services that may be of
interest to Ryan Canada’s Clients) and to help insurance companies to strengthen
their offerings for Ryan Canada’s Clients. The databases may be accessed by Ryan
Canada and Ryan Canada affiliates to provide consulting or other services to
insurance companies for compensation as well as for other purposes described in
this Privacy Policy.  Where possible, we will use deidentified data.

As Ryan Canada continues to develop and grow, we may buy or sell parts of a
business. As our businesses consist primarily of Client relationships,
information regarding the particular accounts or services being purchased or
sold could include personal information and be one of the transferred business
assets.

We may also use this personal information to assess your future needs and, with
your consent or as otherwise permitted by law, to offer the products and
services that may best meet those needs, from ourselves, our affiliates or
reputable organizations selected by us. If you do not wish to receive these
offers or such information, please contact our Privacy Officer as outlined below
in the Contact Information section.

Keeping information accurate

It is important that your personal information is accurate and complete. Having
accurate information about you enables us to give you the best possible service.
You have the right to access, verify and amend the information we have about
you. If you identify any personal information that is out-of-date, incorrect or
incomplete, let us know by contacting our Privacy Officer as outlined below in
the Contact Information section and we will make the corrections promptly. To
keep personal information up-to-date, please inform us of any changes, such as a
change of address, telephone number or any other circumstances by contacting
your agent or broker.

How we safeguard personal information

At Ryan Canada, we employ physical, electronic and procedural safeguards
designed to protect our systems and all personal information under our control
against unauthorized access and use. All safety and security measures are
designed to be appropriate to the sensitivity level of the information
collected.

Our service providers and agents are bound to maintain the confidentiality of
your personal information and may not use the information for any unauthorized
purpose.

Employees are governed by strict standards and policies to ensure that personal
information is secure and treated with the utmost care and respect.  Employees
have access to systems containing personal information only where required to
fulfill their job function.

While Ryan Specialty makes every effort to secure all communications within our
control and on our premises, you should be aware that no method of delivery is
absolutely secure, and any communication of personal information may be
accidentally or deliberately intercepted by third parties.

Online Privacy

Ryan Specialty also may collect information during your visit to a Ryan
Specialty website through the use of cookies, which are small text files used to
help compile aggregate statistics about usage of our websites. This information
is used to improve content and personalize your user experience. However, by
modifying your Internet browser preferences, you have the ability to accept all
cookies, to be notified when a cookie is set or to reject all cookies. Please
note that if you choose to reject all cookies, you will be unable to use those
services or engage in activities that require the placement of cookies.

Ryan Canada may send you commercial electronic messages (i.e. marketing and
promotional messages) to an email address or other electronic address that you
have provided to us. We may ask for your express consent or we may rely on
implied consent if you have made an inquiry, purchased a product or service from
us, entered into a written agreement with us, or in other limited circumstances.
If you do not wish to receive commercial electronic messages from us, you may
withdraw your consent at any time using the unsubscribe link in the message or
by contacting our Privacy Officer as indicated on the main page. Please note
that you will still receive commercial electronic messages that we are required
to send to you by law or for which consent is not required, such as
confirmations of transactions or information about your account.

Ryan Canada websites may contain links to other third party sites that are not
governed by this Privacy Policy. Although we endeavor to link only to sites with
high privacy standards, our Privacy Policy will no longer apply once you leave
this website. We are not responsible for privacy policies employed by other
third parties or any foreign affiliates since they would be governed by privacy
legislation applicable in their country of residence. We suggest, therefore,
that you examine the privacy statements of those sites to learn how personal
information may be collected, used and/or disclosed.


ACCESS TO RECORDS CONTAINING PERSONAL INFORMATION

Individuals have a right to access their own personal information in a record
that is in the custody or under the control of Ryan Canada, subject to some
exceptions. For example, organizations are required under applicable law to
refuse to provide access to information that would reveal personal information
about another individual.

If we refuse a request in whole or in part, we will provide the reasons for the
refusal. In some cases where exceptions to access apply, we may withhold that
information and provide you with the remainder of the record.

You may make a request for access to your personal information by writing to the
Privacy Officer at the email address, phone number or hyperlink designated
below. You must provide sufficient information in your request to allow us to
identify the information you are seeking.  We will need to verify the identity
of anyone making such a request to ensure that we do not provide your
information to anyone who does not have the right to such information and may
request additional personal information from you to carry out this verification.

You may also request information about our use of your personal information and
any disclosure of that information to persons outside our organization. In
addition, you may request a correction of an error or omission in your personal
information.

We will respond to your request as soon as reasonably possible.  The more
complete the information you provide, the more promptly we will be able to
respond.

Contact Information

Please contact our  Privacy Officer to obtain further information about our
policies and procedures, or if you have any unresolved inquiries or concerns, or
if you wish to access or correct your personal information as set out above. We
will respond to you promptly and do our utmost to resolve your concerns. In
addition, you can make other inquiries, such as withdrawing consent, or asking
for a copy of our Privacy Policy.

Our  Privacy Officer can be contacted as follows:

For a request to access or correct personal information, or to withdraw consent,
you may use this hyperlink.

You may also
email: regulatorycompliance@ryansg.com

Attention:  Privacy Officer

Or you may call at 888-291-0045.

Filing A Complaint

Please write to us at the email address above or contact us by telephone to file
a privacy complaint.

Should we fail to resolve a complaint to your satisfaction or without a
reasonable delay, and if you are an Alberta resident, you may contact the
Information and Privacy Commissioner of Alberta as set out below:

Office of the Information and Privacy Commissioner of Alberta

#410, 9925 – 109 Street
Edmonton, Alberta
T5K 2J8
Phone: 780-422-6860
Toll Free: 1-888-878-4044
Fax: 780-422-5682

Email: generalinfo@oipc.ab.ca

Website:  www.oipc.ab.ca

If you are a resident of British Columbia, you may contact the Information and
Privacy Commissioner for British Columbia at:

Office of the Information and Privacy Commissioner for British Columbia
PO Box 9038 Stn. Prov. Govt.
Victoria B.C. V8W 9A4

Email: info@oipc.bc.ca

Website: www.oipc.bc.ca

Phone: (250) 387-5629

Callers outside Victoria may contact the office toll-free by calling Enquiry BC
and requesting a transfer to (250) 387-5629.  Enquiry BC: (604) 660-2421
(Vancouver); (800) 663-7867 (elsewhere in BC).

If you are a resident of another province, you may contact the Office of the
Privacy Commissioner of Canada at:

Office of the Privacy Commissioner
of Canada
30, Victoria Street
Gatineau, Quebec
K1A 1H3

Telephone: 1 800 282 1376

Website: www.priv.gc.ca

Online contact form: https://www.priv.gc.ca/en/report-a-concern/

Changes To This Privacy Notice

Ryan Canada may revise this Privacy Policy from time to time as our business
evolves, in response to legal developments, as new technologies become
available, or as we introduce new features, products or services.  When we make
such changes, we will revise the effective date indicated at the end of this
document. You should check back here periodically to find out if any changes
have been made.  If we make substantial changes we will, as appropriate,
prominently post these changes to our website or notify Clients directly.

Effective as of October 18th, 2022

UK BUSINESS RELATIONS PRIVACY NOTICE


This privacy notice applies to:

 1. Ryan Specialty International Limited, UK
 2. Ryan Specialty Nordics AB, UK Branch, UK
 3. Ryan Specialty Service Centre Limited, UK

The companies listed above, (and in respect of Ryan Specialty International
Limited, trading as Ryan Transactional Risk, EmergIn Risk, StartPoint Executive
Risks, PERse, LifeScienceRisk and Emerald Underwriting Managers, and any other
such trading styles as may be used from time to time), each have their
registered address at 30 St. Mary Axe, 13th floor, London EC3A 8BF, United
Kingdom, are the data controller responsible for the personal data we collect as
part of their business relations with third parties. These third parties include
insureds, insurance brokers, insurers, syndicates, regulators, vendors, service
providers and any other third party that has a business relationship with us.

Each of these companies belongs to Ryan Specialty (ryanspecialty.com).

This Privacy Notice sets out what personal data we may collect and how we may
collect it, how and why we may use it, how we keep it secure and data subject
rights in respect of personal data.

THE TYPES OF PERSONAL DATA WE COLLECT, USE, ITS PURPOSES AND ITS SOURCES

In order to operate our business, we need to obtain, process and use a limited
amount of personal data. The categories of personal data that we collect may
include:

 * Name
 * Contact Details (including email addresses and phone number)
 * Date of birth
 * IP address

These are provided to us directly by business relations, insurance brokers
and/or by applicants that are applying for an insurance policy from us. As part
of our underwriting process third party vendors may provide personal data to us.
The lawful bases for collecting and processing personal data are Consent,
Contract and/or Legal Obligation.

WHO WE SHARE DATA WITH

Personal data is shared with other Ryan Specialty affiliates (including between
the companies named above and within the wider Ryan Specialty family) when
required to process or administer the insurance policy, premium or claims.

Personal data is shared with third parties for the following purposes:

 * Underwriting and policy information is shared with the Lloyd’s syndicates and
   other insurers that we represent or their representatives
 * for risk review purposes
 * when we are required by law to do so
 * to transfer the data in case of a merger or sale
 * in case of legal proceedings
 * for audit purposes
 * to prevent or detect fraud.

SECURITY

We are committed to ensuring that the data collected is secure. While we cannot
ensure or guarantee that loss, misuse or alteration of data will not occur, we
use our best efforts to prevent this. In order to prevent unauthorised access or
disclosure we have put in place suitable physical, electronic and managerial
procedures to safeguard and secure the data.

HOW LONG WE KEEP DATA

We retain the data in accordance with our data retention policy, for example:

 * If we underwrite the insurance: 10 years after expiry of the policy or after
   final settlement of all claims under the policy;
 * If we do not underwrite the insurance: 2 years after our rejection to
   underwrite.
 * Other business contracts: at least 6 years after termination

When you are, or have previously been, a business relation, insurance broker,
applicant, customer or contact of ours, then we may continue to hold and process
your data for the purpose of continuing to carry out our obligations in
connection with the insurance contract. We will continue to hold and process
your data for the duration of the insurance contract and for a reasonable period
afterwards as required by law, regulation or contract.

SENDING PERSONAL DATA OUTSIDE THE UK

Personal data is stored on our underwriting administrative systems administered
by Ryan Specialty in the United States of America. We ensure that any data is
processed securely and in accordance with this Privacy Notice.

DATA SUBJECT RIGHTS

Under data protection law, data subjects have rights including:

 * the right of access, to confirm if we process their data get a copy of the
   data we process;
 * the right to rectification if personal data is incorrect or incomplete;
 * the right to erasure if there are no legitimate grounds for retaining the
   data;
 * the right to restriction of processing if there are no legitimate grounds for
   processing;
 * the right to object to processing if there are no legitimate grounds for
   processing;
 * the right to data portability to transfer the personal information you gave
   us to another organisation, or to you, in certain circumstances.

Please contact us at compliance-UK@ryansg.com if you would like to make a
request.

COMPLAINTS

If you have any concerns about our use of your personal information, you can
make a complaint to us at compliance-UK@ryansg.com.

You can also complain to the ICO if you are unhappy with how we have used your
data. Please refer to www.ico.org.uk/concerns for instructions on how to report
a concern.

The ICO’s address:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow, Cheshire
SK9 5AF

London, Effective 3 May 2023

EUROPE BUSINESS RELATIONS PRIVACY NOTICE


This privacy notice applies to:

 1. Ryan Specialty Nordics AB, Sweden
 2. Ryan Specialty Denmark A/S, Denmark
 3. Ryan Specialty Nordics AB, Spanish Branch, Spain
 4. RSG Construction & Specialty AB, Sweden

The companies listed under DATA CONTROLLERS at the end of this notice are
responsible for the personal data collected as part of their business relations
with third parties. These third parties include insureds, insurance brokers,
insurers, syndicates, regulators, vendors, service providers and any other third
party that has a business relationship with us.

Each of the Data Controllers is a company belonging to Ryan Specialty
(www.ryansg.com).

This Privacy Notice sets out what personal data we may collect and how we may
collect it, how and why we may use it, how we keep it secure and data subject
rights in respect of personal data.

THE TYPES OF PERSONAL DATA WE COLLECT, USE, ITS PURPOSES AND ITS SOURCES.

In order to operate our business, we need to obtain, process and use a limited
amount of personal data. The categories of personal data that we collect may
include:

 * Name
 * Contact Details (including email addresses and phone number)
 * Date of birth
 * IP address

These are provided to us directly by business relations, insurance brokers
and/or by applicants that are applying for an insurance policy from us. As part
of our underwriting process third party vendors may provide personal data to us.
The lawful bases for collecting and processing personal data are Consent,
Contract and/or Legal Obligation.

WHO WE SHARE DATA WITH

Personal data is not processed outside Ryan Specialty businesses, other than:

 * with the Lloyd’s syndicates and insurers that we represent or their
   representatives
 * for risk review purposes
 * when we are required by law to do so
 * to transfer the data in case of a merger or sale
 * in case of legal proceedings
 * for audit purposes
 * to prevent or detect fraud.

SECURITY

We are committed to ensuring that the data collected is secure. While we cannot
ensure or guarantee that loss, misuse or alteration of data will not occur, we
use our best efforts to prevent this. In order to prevent unauthorised access or
disclosure we have put in place suitable physical, electronic and managerial
procedures to safeguard and secure the data.

HOW LONG WE KEEP DATA

We retain the data in accordance with our data retention policy, for example:

 * If we underwrite the insurance: 10 years after expiry of the policy or after
   final settlement of all claims under the policy;
 * If we do not underwrite the insurance: 2 years after our rejection to
   underwrite.
 * Other business contracts: at least 6 years after termination

When you are, or have previously been, a business relation, insurance broker,
applicant, customer or contact of ours, then we may continue to hold and process
your data for the purpose of continuing to carry out our obligations in
connection with the insurance contract. We will continue to hold and process
your data for the duration of the insurance contract and for a reasonable period
afterwards as required by law, regulation or contract.

SENDING PERSONAL DATA OUTSIDE THE EU

Personal data is stored on our underwriting administrative systems administered
by Ryan Specialty companies in the United Kingdom and the United States of
America. We ensure that any data is processed securely and in accordance with
this Privacy Notice.

DATA SUBJECT RIGHTS

Under data protection law, data subjects have rights including:

 * the right of access, to confirm if we process their data get a copy of the
   data we process;
 * the right to rectification if personal data is incorrect or incomplete;
 * the right to erasure if there are no legitimate grounds for retaining the
   data;
 * the right to restriction of processing if there are no legitimate grounds for
   processing;
 * the right to object to processing if there are no legitimate grounds for
   processing;
 * the right to data portability to transfer the personal information you gave
   us to another organisation, or to you, in certain circumstances.

Please contact us at compliance-UK@ryansg.com if you would like to make a
request.

DATA CONTROLLERS



CountryData ControllerSweden

RYAN SPECIALTY NORDICS AB, (previously Ryan Specialty Group Sweden AB) trading
as Ryan Specialty Construction & Risk, EmergIn Risk Europe, StartPoint Executive
Risks Europe, PERse Europe, LifeScience Risk Europe, Ryan Transactional Risk,
with registered address Brahegatan 2, 114 37 Stockholm, Sweden

RSG CONSTRUCTION & SPECIALTY AB with registered address Brahegatan 2, 114 37
Stockholm, Sweden

Spain

RYAN SPECIALTY NORDICS AB, Spanish Branch, trading as, Ryan Transactional Risk,
with registered address seat Avenida Doctor Arce 14, 28002 – Madrid, Spain

Denmark

RYAN SPECIALTY DENMARK A/S, trading as Ryan Transactional Risk, with registered
office at Strandvejen 125, 2900 Hellerup, Denmark



COMPLAINTS

If you have any concerns about our use of your personal information, you can
make a complaint to us at compliance-UK@ryansg.com.

You can also complain to the applicable data protection regulator if you are
unhappy with how we have used your data.



Ryan Specialty CompanyApplicable Data Protection AuthorityPersonal Data provided
to Ryan Specialty Nordics AB and/or RSG Construction & Specialty AB

Integritetsskyddsmyndigheten (IMY)

Personal Data provided to Ryan Specialty Nordics AB, Spanish Branch

Agencia Española de Protección de Datos (AEPD)

Personal Data provided to Ryan Specialty Denmark A/S

Datatilsunet



Stockholm / Barcelona / Copenhagen, Effective 3 May 2023

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