Information we collect:

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or others forms, such as name, address, social security number, telephone number, income and occupation.
• Information about your transactions with us and our affiliates, such as claims and payment history.
• Information we receive from a consumer reporting agency, such as a credit bureau.

Information that we may disclose to third parties:

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We do disclose nonpublic information to only the companies that our agency represents.

Non-affiliated third parties to whom disclosures may be made:

We may disclose nonpublic information about you only to non-affiliated third parties as permitted by law.

Our policy regarding dispute resolution:

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgement upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, our agency and its affiliates reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be our agency’s successor in interest with regard to the maintenance and protection of the information collected; and agrees to the obligations of this privacy statement.

OUR PRIVACY POLICIES AND PRACTICES

Our policies and practices to protect your personal information

We protect personal information we collect about you by maintaining physical, electronic and procedural safeguards that meet or exceed applicable law. Third parties who have access to personal information must agree to follow appropriate standards of security and confidentiality.

We train people who work for us how to properly handle personal information and we restrict access to it.

Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of our agency.