Privacy Policy

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We are committed to Safeguarding Customer Information:

In order to better serve your needs now and in the future, we may ask you to provide us with certain information.  We understand that you may be concerned about what we will do with this information-particularly any personal or financial information.  We agree that you have a right to know how we will use the personal information that you provide to us.  Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.

Applicability

This Privacy Policy governs our use of the information that you provide to us.  It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.

Information We Collect About You

Depending upon which of our services you are using, the types of nonpublic personal information that we may collect include:

  • Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means.
  • Information we collect from you to underwrite a policy.
  • Information obtained when verifying the information you provide on an application or other form (including information from your driving records).
  • Information about your transactions with us, or others including those companies that work closely with us to provide you with diverse products and services.
  • Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our consumers.

 

Use of Information

We request information from you for your own legitimate business purposes and not for the benefit of any non affiliated party.  Therefore, we will not release your information to non affiliated parties except:

1) As necessary for us to provide the product or service you have requested from us; or

2) As permitted by law.

We may, however, store such information indefinitely, including the period after which any customer relationship has ceased.  Such information may be used for any internal purpose such as quality control efforts or customer analysis.  We may also provide all of the type of nonpublic personal information listed above to one or more of our affiliated companies.  Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies and escrow companies.  Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies, or to other financial institutions with whom we or our affiliated companies have joint marketing agreements.

How to Opt Out Of or Stop Certain Disclosures About You

You may opt out of any disclosures that we make of nonpublic personal financial information about you to unaffiliated third parties.  At this time, we do not intend to make disclosures of your nonpublic personal financial information to non affiliated third parties.  Furthermore, the opt out does not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other insurance companies or financial institutions that have joint marketing agreements with us.

How We Protect Your Information

We will use our best efforts to ensure that no unauthorized parties have access to any of your information.  We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you.  We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy.  We currently maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Disclosure of Information to Parties that Provide Services to Us

We may disclose all of the financial information we collect, as described above, to companies that perform marketing or other services on our behalf or to other insurance companies or financial institutions with whom we have joint marketing agreements, so that we may provide customers with competitive products and services.  These institutions include, but are not limited to, insurance rating agencies, claims adjustment companies, title insurance companies, health care providers, reinsures, actualrial agencies and regulatory agencies.

We may also disclose nonpublic personal financial or health information about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our company, follow your instructions as you authorize, or protect the security of your records.  We may not disclose personal health information beyond that required by law or to conduct our business unless expressly authorized by you in writing.

Former Customers

Even if you are no longer our customer, our Privacy Policy will continue to apply to you.

What You Can Do to Help

Our company is committed to protecting the privacy of its policy holders.  You can help by following these simple guidelines:

  • Protect your policy numbers and information.
  • Use caution when disclosing your policy numbers, social security numbers, etc. to other persons.  If someone calls you and explains that the call is on our behalf and asks for your policy number or social security number, you should beware. Our company staff will have access to your information and will not need to ask for it.
  • Keep your information current.  It is important that we have current information on how to reach you.  If we detect potentially fraudulent or unauthorized activity, we will attempt to contact you immediately.  If your address or phone number changes, please let us know.
  • Let us know if you have questions. Please do not hesitate to call us.  We are here to serve you.