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NRB Equity Management Limited has developed this privacy policy (“Privacy Policy”) to help you understand how this website collects, uses, and discloses personally identifiable information gathered from and about you during your visit (“Personal Information”).


By using any portion of this website you acknowledge that you have read and understand this
Privacy Policy and that you consent to the Personal Information collection, use, and disclosure practices explained below.
You further consent that you have read and understand this website’s Terms of Use and agree to the terms and conditions
as set forth in that document. You acknowledge and agree that this Privacy Policy applies only to your use of this website, and does
not apply to your use of any Co-Branded Areas (as that term is described below) or any third party sites.

Personal Information Collection

This website may collect Personal Information through:

  • Online forms that you submit; and
  • Cookies, IP addresses, and GIFs (as these terms are described below). In certain circumstances, when you seek to obtain products or services through the website, or make other requests, NRB Equity Management Limited may obtain Personal Information about you from other sources, such as:
  • Our prior or current transactions with you;
  • Our affiliates,
  • Consumer reporting agencies,
  • Your employer;
  • State agencies; or
  • Other third parties as permitted under the law.

Full time Mid level or Senior level employee recruitment, we use following ways to hire mid level or senior level employees:

Personal Information Use and Disclosure

NRB Equity Management Limited may use the Personal Information referenced above to complete requested transactions,
provide requested products and services, and inform you about additional NRB Equity Management Limited products and services that may be of
interest to you, and perform related functions. NRB Equity Management Limited may also disclose such Personal Information to affiliates and
nonaffiliated third parties as described below.

Personal Information about Health or Medical Conditions

NRB Equity Management Limited does not disclose Personal Information about your health or medical conditions or treatment,
except as necessary to process or service requested or authorized transactions, or as otherwise required by law.

Necessary Disclosures of Personal Information

We may disclose Personal Information to affiliated and nonaffiliated third parties: (1) as necessary
to process or service requested or authorized transactions, such as to secure quotations for insurance, obtain insurance coverage,
or report or process claims, and/or (2) that perform services on our behalf or to other institutions, including insurance companies
or banks with which we have joint marketing arrangements. In addition, we may disclose Personal Information as otherwise permitted
or required by law, including in connection with any sale of all or a part of our business or company, or pursuant to a
subpoena, court order or other judicial or governmental process. NRB Equity Management Limited may also share Personal Information in other circumstances as described below.

Other Disclosures to Affiliates

NRB Equity Management Limited may disclose Personal Information among our affiliates, including the family of
financial services companies owned by us. You may choose to limit our ability to share so-called “Non-transactional
Personal Information” with these affiliates, except as permitted or required by law.
“Non-transactional Personal Information” refers to Personal Information we obtain about you that does
not arise directly from our transactions or experiences with you.

Other Disclosures to Nonaffiliated Third Parties

NRB Equity Management Limited will not disclose personal information about you to
nonaffiliated third parties, except to process or service requested or authorized transactions..

Former customers

NRB Equity Management Limited treats Personal Information about former customers
in accordance with the policies described in this Privacy Policy regarding current customers.

Linking to Other Sites

This website may contain links to other sites on the World Wide Web, other
than the Co-Branded Areas. When you access a link that takes you to an unaffiliated website,
a “Pop-up” screen will appear indicating that you are leaving the website. Protection of your
privacy will be governed by the privacy policy at that site, and NRB Equity Management Limited cannot be and is not
responsible for the privacy practices used by the other web sites. Please take the time to
read the privacy policy at those sites. Links to outside sites do not constitute or imply
endorsement by NRB Equity Management Limited of the linked site or any material displayed on those sites.

Active Personal Information Collection

This website may collect your Personal Information using active collection methods,
such as feedback forms, e-mail response mechanisms, or other forms where you are asked to provide Personal Information.
This website will inform you at such information collection points as to what information is required to obtain
the requested services and what information is optional.

Passive Information Collection

In addition to the active collection methods described above, this website also passively collects other information
from and about you using various technologies such as IP addresses, cookies, or GIFs, as those are discussed in this section.

Internet Protocol (“IP”) addresses

IP addresses are unique numeric identifiers assigned to your computer each time you access
the Internet. IP addresses contain no personally identifiable information and change each time you access the Internet.
This website uses IP addresses to track visitors as they navigate through the website. This tracking allows us
to diagnose problem on the website, track usage patterns and volume, and otherwise to administer and improve the website.


A “cookie” is small computer file that a website sends to your browser
that helps the site remember information about you and your preferences. There are two kinds of cookies, “session” and “persistent”
cookies. Session cookies are temporary files that a website erases once you exit your browser window, turn off your computer, or
otherwise disconnect from the Internet. This website uses session cookies to perform the same functions as IP addresses described above.

“Persistent” cookies are more permanent files that this website installs on your
hard drive and that will not be erased unless you manually delete them. Persistent cookies can store
information (including personally identifiable information) on your computer for a number of purposes, such as
retrieving certain information you have previously provided (e.g., passwords), helping to determine what areas of
the website visitors find most valuable, and customizing the website based on your preferences. This website uses persistent cookies.

Co-Branded Areas and Cookies

The Co-Branded Areas use persistent cookies to identify that you entered the Co-Branded Areas through
this website. In particular, by accessing this website and subsequently entering any Co-Branded Areas,
a persistent cookie will be placed on your hard drive that will allow the Co-Branded Areas to recognize
you as a customer. This cookie will restrict your ability to access other insurance brokers or other businesses
that would otherwise be made available to you on the Co-Branded Areas. If you do not wish to have this cookie
placed on your hard drive, follow the directions as set forth below in “Blocking Cookies.”


GIFs, also known as “internet tags” or sometimes referred to as “web bugs,” are
very small files that are present on the pages within this website. GIFs provide this website with
important information about your visits, such as your IP address, browser type, and other website usage statistics.
GIFs do not provide the website with personally identifiable information.

Blocking Cookies

If you do not wish to allow this website to use cookies, you may configure your browser to block them.
Please understand that blocking cookies may b the functions and services this website makes available to you.
Please refer to the specific instructions for your browser if you would like to block or screen cookies.


With respect to our internal uses of Personal Information, we restrict access to such Personal Information to employees who need to know that Personal Information to provide products or services to you or otherwise to administer our internal business operations.
This website uses reasonable physical, electronic, and procedural safeguards to protect Personal Information.

Children Under Age 18

This website is not directed to children under the age of 13 and we will not
knowingly collect personally identifiable information from children under age 18. If you are under the age of 18, please do not use this website.

Changes to this Policy

NRB Equity Management Limited reserves the right to change this Privacy Policy from time to time and in its sole discretion.
If this Privacy Policy changes, the revised policy will be posted at the “Privacy Policy” link on this website’s homepage.
In addition, this website will post the date of the latest material changes to this Privacy Policy on the homepage.
If the date displayed is later in time than your last visit, you must re-read this Privacy Policy.
Your continued use of this website after the date of the last revision indicates your acceptance of the changes.
This Privacy Policy was last revised on November 10, 2013.

How to contact First Securities Services Limited

If you have any questions or concerns about this Privacy Policy, please contact our IT Department.