As a valued customer of
ours, we respect the trust that you have place with us and we
continuously strive to earn and maintain that trust. We understand the
importance of protecting the confidentiality and security of your
nonpublic personal information. We have a long history of protecting our
customers privacy.
In order to provide you
with top quality insurance and financial products, and with the service
you deserve, it is necessary for us to collect nonpublic personal
information about you and, in certain situations, to share that
information with others. The following notice describes our policies and
practices with regard to your nonpublic personal
information.
CONFIDENTIALITY AND
SECURITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We maintain appropriate
physical, electronic and procedural safeguards to maintain the
confidentiality and security of your nonpublic personal information. We
restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products
or services to you.
We
provide training to our employees on the importance of maintaining the
confidentiality and security of your nonpublic personal information.
Employees who violate our privacy policies are appropriately
disciplined.
CATEGORIES OF
INFORMATION THAT WE COLLECT
We collect nonpublic
personal information about you from the following
sources:
- Information
that we receive from you on applications and other forms;
- Information
about your transactions with us and our company partners;
- Information
that we receive from a consumer protection agency; and
- Information
that we receive when you visit us through our web site.
CATEGORIES OF PARTIES TO
WHOM WE MAY DISCLOSE INFORMATION
We may disclose nonpublic
personal information about you to the following types of
parties.
- Financial
services providers such as insurance companies or insurance
agents.
- We do not
disclose this information to anyone or any agency outside of our firm
without your approval at any time except as required by
law.
We may disclose all of the
information that we collect, as described above, to service providers
such as mail fulfillment houses who assist us in marketing our
products.
CATEGORIES OF
INFORMATION THAT WE DISCLOSE
We
may disclose the following kinds of nonpublic personal information about
you :
- Information
that we receive from you on applications or other forms, such as your
name , address , social security number , assets , income and
beneficiaries;
- Information
about your transactions with us or others, such as your policy
coverage, premiums and payment history;
- Information we
receive from consumer reporting agency, such as your creditworthiness
and credit history; and
- Information
that we collect from your visits to us through our web site, such as
your email address.
YOUR
RIGHTS TO OPT-OUT OF CERTAIN INFORMATION SHARING
We
do not disclose nonpublic financial information about you to
nonaffiliated third parties.
You
do not need to opt out of disclosures to third parties as provided under
the law since we do not share your information with any non-affiliates.
Your information will only be shared with insurance companies with your
permission.
ACCURACY OF YOUR
NONPUBLIC PERSONAL INFORMATION THAT WE POSSESS
We
strive to maintain the accuracy of your information. In order to help us
maintain accuracy; if you have information in our possession that is
inaccurate you may request that we amend or delete the information that
you believe to be erroneous. If we concur with your conclusion we will
amend or delete the information in question. You may write our privacy
officer at the address below to receive our complete policy on accessing
and amending your nonpublic personal information.
CHANGES TO OUR NOTICE OF
PRIVACY POLICY AND INSURANCE INFORMATION PRACTICES
We
reserve the right to change our privacy policies and insurance
information practices. If we make any material changes to our policies
or practices, we will provide you with a copy of a revised
notice.
