Member Companies: American Independent Companies Inc.
The privacy and security of your personal information is important to us. This notice will inform you about our
policies and procedures concerning the nonpublic personal information that we
collect, maintain and disclose in connection with the insurance policies that
you obtain from us.
What types of nonpublic personal
information do we collect?
The types of nonpublic personal information we collect vary according to the
products or services and may include:
your name, address, social security number, wage information, driving
record, policy coverages, medical information or
credit history. It may also include
transaction information, such as your premium payment or claims history with
us.
We may collect nonpublic personal information about you from the following sources:
·
Insurance agents and brokers
·
Applications or other forms, such as claims
forms or underwriting questionnaires, completed by you
·
Insurance support organizations, such as claims
reporting services and other parties who provide information on insurance
related transactions you have conducted with us, our affiliates, as listed
above, or others
·
Consumer reporting agencies, motor vehicle
departments, and other third parties
With whom do we share nonpublic
personal information and why?
We only disclose information about our applicants, customers, and former
customers as permitted or as required by law in conjunction with our normal
insurance operations. Here are some
examples:
We may disclose information to others, such as claims adjusters, appraisers, investigators
or attorneys involved in the processing of an insurance claim; businesses that
help us with data processing or marketing; parties who perform a business,
professional or insurance function for us including our reinsurance companies;
and lienholders, mortgagees, lessors
or other persons shown on our records as having a legal or beneficial interest
in your policy. We may be required by a
court of law to provide information in connection with a legal proceeding. We may share information with consumer
reporting agencies and insurance support organizations. We may share information with government
agencies that conduct examinations of our procedures.
What do we do to protect nonpublic personal information?
While your nonpublic personal information is under our control, access is
limited to those employees who have a legitimate business need for such
information with respect to your insurance coverages. In accordance with applicable state and
federal regulations, we maintain physical, procedural and electronic safeguards
to protect the privacy and confidentiality of your nonpublic personal
information.
What do we do to protect nonpublic personal information?
While your nonpublic personal information is under our control, access is
limited to those employees who have a legitimate business need for such
information with respect to your insurance coverages. In accordance with applicable state and
federal regulations, we maintain physical, procedural and electronic safeguards
to protect the privacy and confidentiality of your nonpublic personal
information.
Will our Privacy Policy change?
We reserve the right to change any of our privacy policies and related
procedures at any time, in accordance with applicable federal and state
laws. You will receive appropriate
notice if our privacy policy changes.
Privacy Policy Highlights
We do not sell, trade or otherwise disclose your identity or any other personal
information about you to third parties for their marketing purposes. This includes information we obtain
concerning all applicants, customers and former customers. We may, however, share information regarding
your transactions with us with our affiliates, as listed above, or companies
that perform marketing services on our behalf to assist us in providing our
products and services to you. These
companies are required to keep your information confidential.
We have policies and procedures in place to protect nonpublic personal
information about our customers.
We do not disclose any nonpublic personal information about our customers to
anyone, except as permitted by law.
We do not share or use personally identifiable health information for marketing
purposes.
Our privacy policy applies to both current and former customers.
This Privacy Notice is provided to you for informational purposes only. You do not need to call or take any action in
response to this notice. We recommend
that you read and retain this Notice for your personal files.
