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| Privacy Policy |
We recognize that our relationships with current and prospective
clients are based on integrity and trust. We work hard to maintain your privacy and are very careful to preserve the private nature of our relationship with you. At the same time, the very nature of our business sometimes requires that we collect or share certain information about you with other organizations or companies. As such, we want you to be aware of how we handle personal information and the important measures we take to protect it. Our policies and procedures for collecting and disclosing personal information are detailed below:
We may collect nonpublic personal information about you from the following sources:
Information we recieve from you or your authorized representatives on applications or other forms, in interviews or by other means;
Information we recieve from consumer or other reporting agencies, medical or health care providers, governmental agencies, employers or others;
Information about your transactions with us, our affiliates or others; and
Information we collect when you visit our Internet website
To the extent permitted by law, we may disclose the information we collect, as descibed above, to agents, brokers and representatives who service you.
We may disclose the financial information we collect to financial service affiliates such as insurance companies, investment companies, insurance agencies, and securities broke-dealers. We may also disclose that information to companies that perform marketing or other services on our behalf.
We may disclose some or all of the information we collect to other financial institutions with whom we have joint marketing agreements. The extent of disclosure will depend upon the limitations of the agreement and federal and state laws. For example, some joint marketing disclosures may be limited to your name, contact information, and information about your transactions with us or our affiliates (such as your policy coverage, account balance and payment information) depending on the state in which you live. Any disclosures will be only to the extent permitted by applicable federal and state law.
Any medical or health information we collect about you will be disclosed to third parties only to underwrite insurance or administer your policy or claim; as permitted by law; or as authorized by you.
We require anyone to whom we disclose your personal information to protect its confidentiality and to use it solely for the purpose for which it was disclosed.
Otherwise we do not disclose any nonpublic personal information about our customers or former customers unless authorized by the customer or as permitted by law.
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 maintain physical, electronic and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.
If we provide more than one financial product or service to you, you may recieve more than one privacy notice from us. We appologize for any inconvenience this may cause you, but we want to be sure you are aware of our privacy practices. |
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