Privacy Policy

February 12, 2026

1.     INTRODUCTION
Your privacy is very important to us. This Website Privacy Policy will help you understand how Ability Insurance Company ("us", "we", "our") may collect, use, and store non-public personal information about our prospective and former clients, and website users. This Privacy Statement also describes how we use and share this information, and other related matters.

These policies apply to our clients and users of our website and may be changed at any time, provided a notice of such change is given to you.  This privacy statement does not apply to information collected by third parties, including through any application or content that may link to or be accessible from our website.

If you do not agree with the terms outlined below, please do not access the Ability Insurance Company website.

2.     INFORMATION WE MAY COLLECT
By virtue of your business with us or by virtue of you otherwise providing us with your personal information, we may obtain information relating to you and/or any individuals connected with you including your address, social security number, assets and/or income information, which constitute personal data as defined in state and federal law.

We may obtain your personal information from sources including: (i) through our website; (ii) subscription agreements and related documents which are maintained by service providers; (iii) in correspondence and conversations with us and our representatives; and (iv) through transactions and during the acceptance and management of your account.

3.     HOW WE USE YOUR INFORMATION
We may collect, store and use your data if it is necessary for the performance of a contract, or if the processing is necessary for compliance with applicable legal or regulatory obligations (including complying with requests from regulatory, governmental, tax and law enforcement authorities). We may use your information to improve and maintain our website or in pursuance of our legitimate interests. We will only process your personal data in pursuance of our legitimate interests where we have considered that the processing is necessary and, on balance, our legitimate interests are not overridden by your legitimate interests, rights or freedoms.

4.     SHARING YOUR DATA
We do not disclose any of this non-public personal information about our clients or prospective or former clients to anyone other than to our affiliates or delegates. In certain circumstances we may be legally obliged to share your data with the relevant regulatory authorities. For example, it may be necessary, under anti-money laundering and similar laws, to disclose information about clients in order to accept their subscriptions. Our affiliates and delegates may process your personal data on the our behalf including with our accountants, attorneys, auditors, brokers, and certain service providers.  See our Privacy Notices for more information about how your data may be shared.

5.     SECURITY
We seek to carefully safeguard your private information. We restrict access to non-public personal information about you to those employees and other persons who need to know the information to enable us to provide services to you. We maintain commercially reasonable physical, electronic and procedural safeguards to protect your non-public personal information. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the website.

6.     RETENTION AND DELETION OF YOUR DATA
We will keep your data for as long as it is required by us to fulfil the purposes outlined in this notice or as required by applicable law. We expect to delete your personal data (at the latest) once there is no longer any legal or regulatory requirement or legitimate business purpose for retaining your data.

7.     YOUR RIGHTS
You may have certain data protection rights under state and federal law including to;

  • be informed about the purposes for which your personal data are processed;

  • access your personal data;

  • stop direct marketing;

  • restrict the processing of your personal data;

  • have incomplete or inaccurate personal data corrected;

  • ask us to stop processing your personal data;

  • be informed of a personal data breach (unless the breach is unlikely to be prejudicial to you);

  • complain to the Data Protection Ombudsman; and

  • require us to delete your personal data in some limited circumstances.

8.     CONTACT US
Please contact us if you have any questions about this Website Privacy Policy or the data we hold about you marking your communication "Data Protection Enquiry". Our contact details are: AbilityNB@actmanre.com.

9. CHANGES TO PRIVACY POLICY

We reserve the right to modify or supplement this Website Privacy Policy at any time. If we make any material changes to our practices, we will update this Website Privacy Policy to include such changes. The effective date of this Website Privacy Policy is set forth above.