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. 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 receive from you or your authorized representative on applications or other forms, in interviews, or by other means;
Information we receive 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 described 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 broker-dealers. We may also disclose that information to companies that perform marketing or other services on our behalf, or to other financial institutions with whom we have joint marketing agreements. These disclosures will be only to the extent permitted by 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 is disclosed.
Otherwise, we do not disclose any nonpublic personal information about our customers or former customers unless:
authorized by the customer to prevent fraud; to comply with a legally permitted inquiry by a government agency or regulator; or as otherwise 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.
This notice is provided by the following companies:
We share nonpublic personal information about our customers between these affiliated companies in order to better serve your needs.
We strive to keep our records of our information about you accurate and up-to-date. If you tell us of an error, we will update our records.
This notice is for informational purposes only. This notice does not provide coverage nor change the
terms, conditions, or exclusions under any insurance policy.
