Our related entities and some of our service providers (including information technology service providers) may be located overseas and, as a result, personal information collected and held by us may be transferred overseas from time to time. The countries in which these recipients may be located will vary from time to time, but include Sweden, Netherlands, New Zealand, Portugal, Singapore, Spain, Switzerland, Norway, Denmark, Belgium, Italy, Austria, Germany, and USA. Any such transfer, however, does not change any of our commitments to safeguard your personal information under this policy.