Privacy Policy

Protecting your privacy is very important to us. www.genworth.in is owned and operated by Genworth Financial Mortgage Guaranty India Private Limited (“Genworth Financial, India”). We value your trust and we want you to understand what information we collect, how we protect it, and how we use it. We treat personal information -- non-public information that identifies you -- with respect and in accordance with this Privacy Policy. Personal information is essential to meeting our goal to provide you with our products and services. 

This Privacy Policy is designed to provide information regarding how we collect, use and disclose personal information we gather when you visit www.genworth.in on the World Wide Web. This Privacy Policy is applicable only to persons domiciled in India when they interact with our Web site.

Our Privacy Policy

This is our Privacy Policy:

• We will describe what personal information we collect, how we protect it, and how we may use it.

• We will maintain physical, electronic, and procedural safeguards to protect personal information we obtain about our customers and those who use and visit our website.

• We will not share personal information with outside companies or consumer report information with other affiliated companies, except as noted below.

• We will require outside companies who provide services for us and to whom we disclose personal information to adhere to our Privacy Policy standards.

Please read on for details about our practices for handling and securing your personal information. This Privacy Policy includes examples of the types of information we may collect and the kinds of companies and other entities with whom we may share information. These examples are illustrative and should not be considered a complete inventory of our information collection or sharing practices.

Information Collected

• Online information and collection. You can visit us on the World Wide Web without telling us who you are or revealing any information about yourself, including your e-mail address. In this case, our Web servers collect the name of the domain you used to access the Internet, such as "aol.com" or "yahoo.com," and the Website you came from and visit next. 
  
  We may select outside companies who provide services on our behalf and use this information to measure the number of visits, average time spent, page views, and other statistics about visitors to our Web site, in general. We may also use this data to monitor site performance and to make the site easier and more convenient to use. 
  We may aggregate statistics that we gather about our customers, sales, traffic patterns, and services, and provide these statistics to third parties. When we provide these statistics to third parties, however, they will not include any personal information that identifies you, unless you have agreed to receive personally tailored information. 
  
  In addition, there are portions of this Web site where we may need to collect personal information from you for a specific purpose, such as to provide you with certain information you request.

• Cookies. Cookies are small pieces of data stored by your Internet browser on your computer's hard drive. We, along with thousands of other Web sites, use cookies to enhance your Web viewing experience and to measure your Web site usage. With the help of cookies, we may present you with customized offerings or content that may be of interest to you. We may also use cookies to recognize you on subsequent visits or to remember your user name so you do not have to re-enter it each time you visit our site. You may be able to set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that, by not accepting cookies, you may limit the functionality we can provide to you when you visit our site.

• Links to other Web sites. We are not responsible for the information collection practices of other Web sites when you link to them from our Web site. We cannot guarantee how those parties use cookies or whether they place on your computer cookies that may identify you personally. You should carefully review the privacy policies of each Web site you visit to understand how they collect, use, and disclose information.

• Email communications. Occasionally, we may send you e-mail communications with information that may be useful to you, including information about our products and services or about offerings from other affiliated companies or third parties. You will be given the option of not receiving any such e-mail messages, if you choose.

• Encryption. We use encryption and authentication tools to protect information we gather on our Web site. E-mail communications outside of our Web site, however, may not be protected. If you are sending us an e-mail communication that includes highly confidential information, such as a credit card number, you may want to call us or send it by regular mail.

• Visitors/Registered Users. As a visitor to our Web site, you may have access to certain features without telling us who you are or revealing any information about yourself. We will not gather any information about you when you are using these features. We may require you to become a registered member in order to gain access to and use other features. Once you become a registered member, we may collect personal information when you use our Web site.

Information We May Disclose and To Whom We May Disclose Information

We may disclose the information we collect to other organizations as noted below. The others organizations to whom we disclose information are obligated to use such information only for the purposes stated. Disclosures may be made as follows:

Disclosures to Service Providers

We may disclose personal information we collect to others, such as insurance agents, banks, and administrators that provide services to us or to you on our behalf, such as:

• Marketing our products and services;

• Protecting against fraud; and

• Maintaining or developing software for us.

In all cases, we will require service providers to whom we provide personal information to comply with our Privacy Policy and to use the information solely for the purposes for which we have retained them. Disclosure of personal information to these service providers is done to help us better serve you.

Disclosures to Other Affiliated Companies

We may disclose identifying information, such as name, address, telephone number and transaction or experience information to other affiliated companies. Our affiliated companies are involved in diverse businesses ranging from financial services (such as insurance and lending) to consumer products (such as appliances and light bulbs). We may disclose personal information to other affiliated companies for purposes such as:

• Fulfilling your requests; and

• Offering you other products or services that we think may be of interest to you.

Offering you other products or services that we think may be of interest to you 
We may disclose personal information we collect to other financial institutions (such as banks) with which we have joint marketing arrangements to jointly endorse or offer our products or services.

Other Disclosures Permitted By Law

We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or insurance regulators.

No Disclosures for Other Purposes

We will not share your personal information with any outside company for any purpose other than those described above. For example, we will not sell personal information to outside companies that may wish to market their products and services to you. While we may offer products or services to you on behalf of such outside companies, we will not give your personal information to them.

Links to Other Sites

www.genworth.in may contain links to other sites such as Genworth Financial, India’s distributors and sales affiliates. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other sites.

Security of Collected Information

We maintain strict physical, electronic, and administrative safeguards in accordance with applicable standards to protect your personal information from unauthorized or inappropriate access. We restrict access to personal to employees and service providers who need to know the information for legitimate business purposes to assist in responding to your inquiry or request. Employees who violate our Privacy Policy are subject to disciplinary action.

Access to Collected Information

You may review, delete, cancel or update the information that you provide to us through this Web site by contacting us as described below.

Contacting Us

If you have any questions about this privacy policy, please use the Contact Us page. We welcome your questions and suggestions about our privacy policy.

Changes to this Policy

Please check this privacy policy periodically to inform yourself of any changes. Although we reserve the right to modify or supplement this privacy policy, we will provide notice to you on this Web site of any major changes for at least 30 days following the change.

"Opting Out" - Consumer Selections Regarding Information Sharing

We are committed to protecting personal information, and to using or sharing it in ways that will improve or expand upon the services we provide to you. By actively accepting the terms of this Privacy Policy by ticking the acceptance box on www.genworth.in you agree to the sharing of personal or consumer report information as described above.

While browsing this Web Site, you will not be provided with the opportunity to opt out of the sharing of personal or consumer report information until you establish a customer relationship.

The practices and policies contained in this Privacy Policy replace all previous notices or statements with respect to the same subject.

This Privacy Policy will not apply to your relationships with companies that are not part of Genworth, such as banks and independent insurance agents. Their privacy policies will govern how they collect, use and disclose personal information that you allow them to access.

This Privacy Policy applies only to the information collection practices of Genworth Financial, India.

Issued: August 27, 2007