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Privacy Policy

PICO HOLDINGS, INC.
PRIVACY POLICY


Your Privacy: Overview
This privacy policy (this "Privacy Policy") tells you about the information that PICO Holdings, Inc. ("PICO," "we" or "our") collects in connection with the operation of its website, including www.picoholdings.com (the "Site"), how the information is used and how you can access and correct certain information that we may collect.

PICO respects your privacy and is committed to protecting it. We provide this Privacy Policy to inform you of our policy and practices and of the choices you can make about the way your information is collected when you visit our Site. Your privacy is of the utmost importance to PICO.

Please note that this Privacy Policy applies only to information collected from you by PICO via the Site and does not apply to information obtained or disclosed through offline correspondence or personal contacts with PICO representatives. In addition, to the extent that you disclose, or you authorize PICO to disclose, your information to other parties, whether they are vendors, service providers or other users of the Site, different rules may apply to their use or disclosure of the information disclosed to them. Additionally, the Site may contain advertisements and/or links to other entities' websites that are not controlled or operated by PICO. This Privacy Policy does not apply to such third party websites, and PICO is not responsible for the content of such third party websites or the privacy practices of such third parties. Therefore, we encourage you to request and review the privacy policies of any third parties upon disclosing your information to such parties or visiting such third party websites.

This Privacy Policy is effective as of May 15, 2008.

Collection of Your Information
You can access most areas of the Site without submitting any personally identifiable information. PICO collects personally identifiable information only if you choose to complete the online forms to register with us, request information or assistance, or to receive press releases and/or newsletters offered by PICO via the Site. The personally identifiable information that PICO collects through these portions of the Site includes your name, address, telephone number, and e mail address.

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COPYRIGHT 2008 PICO HOLDINGS, INC. ALL RIGHTS RESERVED. NASDAQ: PICO

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