ONLINE PRIVACY POLICY

Bankers Surety Services, Inc. and its affiliated entities (the “Company” or “we”) has developed this privacy policy out of respect for the privacy of our customers, visitors to our website, job applicants, and independent contractors. This policy describes the personal information we collect, use, and disclose about individual consumers, applicants, and contractors who visit or interact with this website, visit any of our offices, stores, facilities, or locations, purchase or inquire about any of our products or services, contract with us to provide services, apply for a position of employment, or otherwise interact or do business with us. Any information or data covered by an exception to the California Consumer Privacy Act (CCPA) (as amended by the California Privacy Rights Act (CPRA)), including but not limited to the Health Insurance Portability and Accountability Act (HIPAA), the Gramm-Leach-Bliley Act (GLBA), and the Fair Credit Reporting Act (FCRA) is not within the scope of the policy.

Whenever you visit our website, we will collect some information from you automatically simply by you visiting and navigating through this site, and some voluntarily when you submit information using a form on the website, request information, or use any of the other interactive portions of our website. Through this website, we will collect information that can identify you and/or your activity.

Additionally, whenever you communicate, interact, or do business with us, we will be collecting personal information from you or about you in the course of our interaction or dealings with you, whether online or at any of our physical locations or facilities, or whether you are contracted to perform services for us or apply for a position of employment.

This policy does not apply to our current and former employees and their family members, dependents, and beneficiaries. If you are a California resident (who is a current or former employee of the Company or a family member, dependent, or beneficiary of any of our current or former employees), you may request access to our Employee Privacy Policy by sending an email to https://bnkprivacy.exterro.net/portal/dsar.htm?target=bnkprivacy

Collection of Personal Information and Sensitive Personal Information

Based on your specific transactions and interactions with us or our website, we have in the last 12 months collected, the following categories of personal information about you. For each category of information, the categories of third parties and service providers to whom we have disclosed the information in the last 12 months are detailed in the chart below. The examples provided for each category are not intended to be an exhaustive list or an indication of all specific pieces of information we collect from or about you in each category, but rather the examples are to provide you a meaningful understanding of the types of information that may be collected within each category.

Category	Personal Identifiers
Examples	Name, alias, social security number, date of birth, driver’s license, or state identification card number.
Disclosed To in Last 12 Months	· Financial institutions · Government agencies · Transaction support vendors (e.g., check guaranty, payment processors) · Consumer reporting agencies or credit reporting agencies · Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants · Insurance carriers, administrators, and brokers
Sold To or Shared With	Not sold for monetary or other valuable consideration and not shared for cross-context behavioral advertising.
Retention Period	Duration of our relationship with you plus 4 years. If you are a job applicant and are hired by the Company, then name will be retained permanently, and the rest will be retained for duration of employment plus 6 years. If you are not hired, this data will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.

Category	Contact Information
Examples	Home, postal or mailing address, email address, home phone number, cell phone number.
Disclosed To in Last 12 Months	· Financial institutions · Government agencies · Transaction support vendors (e.g., check guaranty, payment processors) · Consumer reporting agencies or credit reporting agencies · Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants · Insurance carriers, administrators, and brokers
Sold To or Shared With	Not sold for monetary or other valuable consideration and not shared for cross-context behavioral advertising.
Retention Period	Duration of our relationship with you plus 4 years. If you are a job applicant and are hired by the Company, this data will be retained permanently. If you are not hired, this data will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.

Category	Account Information
Examples	Username and password for Company accounts and systems (including where a job applicant or candidate must create an account to apply for a job), and any required security or access code, password, or credentials allowing access to your Company accounts; account history, usage history, and any information submitted through the account.
Disclosed To in Last 12 Months	Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants.
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	Username: permanent; Password or security code: while in use + 6 months or last 6-8 passwords used, whichever is longer

Category	Protected Classifications
Examples	Race, ethnicity, national origin, sex, gender, sexual orientation, gender identity, religious or philosophical beliefs, age, disability, medical or mental condition, military status, familial status, union membership.
Disclosed To in Last 12 Months	· Financial institutions · Government agencies
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	Duration of our relationship with you plus 4 years. This data is not collected from or about job applicants (unless required by law or government contract).

Category	Commercial Transactional Data
Examples	Information regarding products or services provided.
Disclosed To in Last 12 Months	· Financial institutions · Transaction support vendors (e.g., check guaranty, payment processors) · Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants · Insurance carriers, administrators, and brokers
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	4 years after transaction, unless necessary to maintain for a longer period for regulatory compliance purposes.

Category	Credit/Financing Application Data
Examples	Information collected through credit or financing applications, including employment history, company name, role, salary, dates of employment, bank accounts, income sources.
Disclosed To in Last 12 Months	· Financial institutions Government agencies Consumer reporting agencies or credit reporting agencies
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	4 years.

Category	Internet Network and Computer Activity
Examples	Date and time of your website visit; webpages visited; links clicked on the website; browser ID; browser type; device ID; operating system; form information downloaded; domain name from which our site was accessed; search history; cookies; internet or other electronic network activity information related to usage of Company networks, servers, intranet, or shared drives, as well as Company-owned computers and electronic devices, including system and file access logs, security clearance level, browsing history, search history, and usage history.
Disclosed To in Last 12 Months	· Transaction support vendors (e.g., check guaranty, payment processors) · Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants
Sold To or Shared With	Not sold for monetary or other valuable consideration and not shared for cross-context behavioral advertising.
Retention Period	3 years

Category	Online Portal Access and Usage Information
Examples	Username and password, account history, usage history, file access logs, security clearance level, and any information submitted through the account.
Disclosed To in Last 12 Months	Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	3 years

Category	Pre-Hire Information / Pre-Contract Information
Examples	Information gathered on job applicants and business representatives as part of background screening, reference checks, pre-hire/contract drug test results, information gathered as part of vendor evaluation and other assessments of your qualifications to provide services to the Company, information recorded in job interview notes, information contained in candidate evaluation records and assessments, information in work product samples you provided, and voluntary disclosures by you.
Disclosed To in Last 12 Months	· Consumer reporting agencies or credit reporting agencies
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	Business representatives: Duration of our relationship with you plus 4 years. Job Applicants: If hired, this data will be retained for duration of employment plus 6 years. If not hired, it will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.

Category	Employment and Education History
Examples	Information contained in job applicants’ resumes regarding educational history, information in transcripts or records of degrees, vocational certifications obtained, and information regarding prior job experience, positions held, and when permitted by applicable law your salary history or expectations.
Disclosed To in Last 12 Months	· Consumer reporting agencies or credit reporting agencies
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	If hired, this data will be retained for duration of employment plus 6 years. If not hired, it will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.

Category	Professional Related Information
Examples	Information on business representatives contained in resumes regarding educational and employment history, vocational certificates, tax forms/1099 forms, safety records, licensing and certification records, and performance records, and information related to services provided to or rendered by the entity you represent in your dealings with the Company, including information in statements of work.
Disclosed To in Last 12 Months	· Financial institutions · Consumer reporting agencies or credit reporting agencies
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	Duration of our relationship with you plus 4 years.

Category	Facility & Systems Access Information
Examples	Information identifying you, if you accessed our secure company facilities, systems, networks, computers, and equipment, and at what times, using keys, badges, fobs, login credentials, or other security access method.
Disclosed To in Last 12 Months	Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	3 years

Category	Inferences
Examples	For job applicants, based on analysis of the personal information collected, we may develop inferences regarding predispositions, behavior, attitudes, intelligence, abilities, and aptitudes for recruiting and hiring assessments and decisions.
Disclosed To in Last 12 Months	Not Disclosed.
Sold To or Shared With	Not sold for monetary or other valuable consideration, and not shared for cross-context behavioral advertising.
Retention Period	For job applicants, if hired, this data will be retained for duration of employment plus 6 years. If not hired, it will be retained for 4 years from when position is filled or the date we receive your information, whichever is longer.

Of the above categories of Personal Information, the following are categories of Sensitive Personal Information the Company may collect from or about consumers, independent contractors, or job applicants:

Personal Identifiers (social security number, driver’s license or state identification card number)
Account Information (your Company account log-in, in combination with any required security or access code, password, or credentials allowing access to the account)
Protected Classifications (racial or ethnic origin, religious or philosophical beliefs, union membership, or sexual orientation)

Personal information does not include:

Publicly available information from government records.
Information that a business has a reasonable basis to believe is lawfully made available to the general public by the consumer, independent contractor, or applicant, or from widely distributed media.
Information made available by a person to whom the consumer, independent contractor, or applicant has disclosed the information if the consumer, independent contractor, or applicant has not restricted the information to a specific audience.
Deidentified or aggregated information.

Sources of Personal Information

We may collect your personal information from the following sources:

You the consumer, independent contractor, or job applicant, when you visit the website and voluntarily submit information through forms on the website, when you visit any of our stores or physical locations, when you purchase or inquire about any of our products or services, when you enter into a contract to perform services for us, or when you apply for a position of employment
Our employees, contractors, vendors, suppliers, guests, visitors, other consumers, and customers based on your interactions with them (if any)
Credit and consumer reporting agencies
Drug testing and physical testing providers and vendors
Company systems, networks, software applications, and databases you log into or use in the course of applying for a position with the Company, interacting with our website, or otherwise interacting with us in any other capacity, including from vendors the Company engages to manage or host such systems, networks, applications or databases

To Whom We Disclose Personal Information

We may disclose your personal information to/with the following categories of service providers, contractors, or third parties:

Financial institutions
Government agencies
Transaction support vendors, including check guaranty and payment processors
Consumer reporting agencies or credit reporting agencies
Security and risk management vendors, including IT, cybersecurity, and privacy vendors and consultants
Insurance carriers, administrators, and brokers

Reasons Why We Collect, Use, Retain, and Disclose Personal Information

We may collect and disclose your personal information for any of the following business purposes:

To fulfill or meet the purpose for which you provided the information.
To process and submit financing applications, including to apply for credit, or credit pre-qualification.
To process, complete, and maintain records on transactions.
To provide warranty coverage on products and services.
To maintain records of when customers decline a service or sale.
To respond to consumer inquiries, including requests for information, customer support online, phone calls, and in-store inquiries.
To contact you by email, telephone calls, mail, SMS, or other equivalent forms of communication regarding updates or informative communications related to the functionalities, services, or other information you requested or asked the Company to provide to you.
To detect security incidents.
To debug, identify, and repair errors that impair existing intended functionality of our website.
To protect against malicious or illegal activity and prosecute those responsible.
To verify and respond to consumer requests.
To prevent identity theft.
JOB APPLICANT PURPOSES:
1. To fulfill or meet the purpose for which you provided the information. For example, if you share your name and contact information to apply for a job with the Company, we will use that Personal Information in connection with your candidacy for employment.
2. To comply with local, state, and federal law and regulations requiring employers to maintain certain records, as well as local, state, and federal law, regulations, ordinances, guidelines, and orders relating to infectious diseases, pandemics, outbreaks, and public health emergencies, including applicable reporting requirements.
3. To evaluate your job application and candidacy for employment.
4. To obtain and verify background check and references.
5. To communicate with you regarding your candidacy for employment.
6. To permit you to create a job applicant profile, which you can use for filling out future applications if you do not get the job you are apply for.
7. To keep your application on file even if you did not get the job applied for, in case there is another position for which we want to consider you as a candidate even if you do not formally apply.
8. To evaluate and improve our recruiting methods and strategies.
9. To engage in lawful monitoring of job applicant activities and communications when they are on Company premises, or utilizing Company internet and WiFi connections, computers, networks, devices, software applications or systems.
10. To engage in corporate transactions requiring review or disclosure of job applicant records subject to non-disclosure agreements, such as for evaluating potential mergers and acquisitions of the Company.
11. To evaluate, assess, and manage the Company’s business relationship with vendors, service providers, and contractors that provide services to the Company related to recruiting or processing of data from or about job applicants.
12. To improve job applicant experience on Company computers, networks, devices, software applications or systems, and to debug, identify, and repair errors that impair existing intended functionality of our systems.
INDPENDENT CONTRACTOR AND BUSINESS-TO-BUSINESS PURPOSES:
1. To fulfill or meet the purpose for which you provided the information.
2. To comply with state and federal law and regulations requiring businesses to maintain certain records (accident or safety records, and tax records/1099 forms).
3. To engage the services of independent contractors and compensate them for services.
4. To evaluate, make, and communicate decisions regarding an independent contractor, including decisions to hire and/or terminate.
5. To grant independent contractors access to secure Company facilities, systems, networks, computers, and equipment, and maintain information on who accessed such facilities, systems, networks, computers, and equipment, and what they did therein or thereon.
6. To implement, monitor, and manage electronic security measures on independent contractor devices that are used to access Company networks and systems.
7. To evaluate, assess, and manage the Company’s business relationship with vendors, service providers, and contractors that provide services to the Company.
8. To improve user experience on Company computers, networks, devices, software applications or systems, and to debug, identify, and repair errors that impair existing intended functionality of our systems.

We do not and will not sell your personal information for monetary or other valuable consideration, and we do not share your personal information for cross-context behavioral advertising.

We do not and will not use or disclose your sensitive personal information for purposes other than the following:

To perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services.
To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted personal information.
To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions.
To ensure the physical safety of natural persons.
For short-term, transient use.
To perform services on behalf of the Company.
To verify or maintain the quality or safety of a product, service or device that is owned, manufactured, manufactured for, or controlled by the Company, and to improve, upgrade, or enhance the service or device that is owned, manufactured by, manufactured for, or controlled by the Company.
For purposes that do not involve inferring characteristics about consumers, contractors, and job applicants.

Retention of Personal Information

We will retain each category of Personal Information in accordance with our established data retention schedule as indicated above. Some of the retention periods in the retention schedule above are measured from a particular point in time that has not occurred yet, such as the end of employment or end of a relationship (whether business, contractual, or transactional) plus a certain number of years. Where no particular event is defined in the retention schedule as the point from which the retention period is measured, we will measure the retention period from either: (1) the date the record or data was collected, created, or last modified; (2) the date of the particular transaction to which the record or data pertains; or (3) another triggering event that is determined to be reasonable and appropriate based on the nature of the data and the legal/business needs for its continued use.

In deciding how long to retain each category of personal information that we collect, we consider many criteria, including, but not limited to: the business purposes for which the Personal Information was collected; relevant federal, state and local recordkeeping laws; applicable statutes of limitations for claims to which the information may be relevant; and legal preservation of evidence obligations.

We apply our data retention procedures on an annual basis to determine if the business purposes for collecting the personal information, and legal reasons for retaining the personal information, have both expired. If so, we will purge the information in a secure manner.

Third Party Vendors

We may use other companies and individuals to perform certain functions on our behalf. Examples include administering e-mail services and running special promotions. Such parties only have access to the personal information needed to perform these functions and may not use or store the information for any other purpose.

Business Transfers

In the event we sell or transfer a particular portion of our business assets, information of consumers, contractors and applicants may be one of the business assets transferred as part of the transaction. If substantially all of our assets are acquired, information of consumers, contractors and applicants may be transferred as part of the acquisition.

Compliance with Law and Safety

We may disclose specific personal and/or sensitive personal information based on a good faith belief that such disclosure is necessary to comply with or conform to the law or that such disclosure is necessary to protect our employees or the public.

External Links

Our website contains links to other sites. We are not responsible for the privacy practices or the content of such websites. To help ensure the protection of your privacy, we recommend that you review the Privacy Policy of any site you visit via a link from our website.

Passwords

The personal data record created through your registration with our website can only be accessed with the unique password associated with that record. To protect the integrity of the information contained in this record, you should not disclose or otherwise reveal your password to third parties.

Children Under the Age of 16

We do not knowingly sell or share the personal information of consumers under 16 years of age.

How We Protect the Information that We Collect

The protection of the information that we collect about visitors to our websites is of the utmost importance to us and we take every reasonable measure to ensure that protection, including:

We keep automatically collected data and voluntarily collected data separate at all times.
We use internal encryption on all data stores that house voluntarily captured data.
We use commercially reasonable tools and techniques to protect against unauthorized access to our systems.
We restrict access to private information to those who need such access in the course of their duties for us.
We have database level encryption.
We have HTTPS, or TLS 1.2, or other measure for protecting data while in transit that is adopted for data transferring.
We have a control mechanism that is adopted to prevent unauthorized access and modification.
We have a Monitoring and Early Warning System that is adopted to guarantee fraudulent behaviors can be inspected.

International Visitors

We do not target, market to, or offer our products or services to consumers outside of the United States. You agree not to submit your personally identifiable information through the website if you reside outside the United States. If we become aware that a person residing inside the European Economic Area, European Union, Great Britain, or Switzerland has submitted their personal information to us, we will delete it.

Rights Under the CCPA and CPRA

This section of the Privacy Policy applies only to California residents who are natural persons. If you are a California resident, you have the following rights pursuant to the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

Right to Know. The right to request, up to 2 times in a 12-month period, that we identify to you (1) the categories of personal information we have collected about you, (2) the categories of sources from which the personal information was collected, (3) the business or commercial purpose for collecting this information, (4) the categories of third parties with whom we have disclosed your personal information, and (5) the categories of personal information that we have disclosed about you for a business purpose and the categories of persons to whom it was disclosed for a business purpose;
Right to Access. The right to request, up to 2 times in a 12-month period, that we disclose to you, free of charge, the specific pieces of personal information we have collected from or about you;
Right to Delete. The right to request, up to 2 times in a 12-month period, that we delete personal information that we collected from you, subject to certain exceptions;
Right to Correct. The right to request that we correct inaccurate personal information (to the extent such an inaccuracy exists) that we maintain about you;
The right to designate an authorized agent to submit one of the above requests on your behalf. See below for how you can designate an authorized agent; and
The right to not be discriminated or retaliated against for exercising any of the above rights, including an applicant’s and independent contractor’s right not to be retaliated against for exercising the above rights.

You can submit any of the above types of consumer requests through any of the 2 options below:

Submit an online request on our website at https://bnkprivacy.exterro.net/portal/dsar.htm?target=bnkprivacy
Call our privacy toll-free line at (727) 803-4111.

How We Will Verify That it is Really You Submitting the Request

If you are a California resident, when you submit a Right to Know, Right to Access, Right to Delete, or Right to Correct request through one of the methods provided above, we will ask you to provide some information in order to verify your identity and respond to your request. Specifically, we will ask you to verify information that can be used to link your identity to particular records in our possession, which depends on the nature of your relationship and interaction with us.

Responding to Your Right to Know, Right to Access, Right to Delete, and Right to Correct Requests

Upon receiving a verifiable request from a California resident, we will confirm receipt of the request no later than 10 business days after receiving it. We endeavor to respond to a verifiable request within 45 calendar days of its receipt. If we require more time (up to an additional 45 calendar days, or 90 calendar days total from the date we receive your request), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your verifiable request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

For a request to correct inaccurate personal information, we will accept, review, and consider any documentation that you provide, and we may require that you provide documentation to rebut our own documentation that the personal information is accurate. You should make a good-faith effort to provide us with all necessarily information at the time that you make the request to correct. We may deny a request to correct if we have a good-faith, reasonable, and documented belief that a request to correct is fraudulent or abusive. If we deny your request to correct, we shall inform you of our decision not to comply and provide an explanation as to why we cannot comply with a request, if applicable.

If You Have an Authorized Agent:

If you are a California resident, you can authorize someone else as an authorized agent who can submit a request on your behalf. To do so, you must either: (a) execute a valid, verifiable, and notarized power of attorney; or (b) provide other written, signed authorization that we can then verify. When we receive a request submitted on your behalf by an authorized agent who does not have a power of attorney, that person will be asked to provide written proof that they have your permission to act on your behalf, and we will also contact you and ask you for information to verify your own identity directly with us and not through your authorized agent. We may deny a request from an authorized agent if the agent does not provide your signed permission demonstrating that they have been authorized by you to act on your behalf.

Consent to Terms and Conditions

By using this website, you consent to all terms and conditions expressed in this Privacy Policy.

Changes to Our Privacy Policy

As our services evolve and we perceive the need or desirability of using information collected in other ways, we may from time to time amend this Privacy Policy. We encourage you to check our website frequently to see the current Privacy Policy in effect and any changes that may have been made to them. If we make material changes to this Privacy Policy, we will post the revised Privacy Policy and the revised effective date on this website. Please check back here periodically or contact us at the address listed at the end of this Privacy Policy.

Consumers With Disabilities

This policy is in a form that is accessible to consumers with disabilities.

Questions About the Policy

This website is owned and operated by Bankers Surety Services, Inc. If you have any questions about this Privacy Policy, please contact us at privacy@bankerssurety.com.

**This policy was last updated June 12, 2026.