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Privacy Policy
In compliance with the Gramm-Leach-Bliley Act ("GLB"),
Public Law 106-102 (1999).
The GLB Act was enacted to provide greater protection for an individual's
private information. This notice is meant to provide you with information
regarding how we use your personal information and what your rights are with
regard to your non-public
personal information.
In order to provide you with the benefits available on our website, we need
to collect certain non-public information. In fact, the more we understand
about you and your needs, the better we can suggest the right financial
products or services
for you. However, we are committed to maintaining the privacy of this
information in accordance with the law.
All employees and affiliates of our company with access to personal
information about our clients are required to follow this policy. Our
privacy policy applies to all personally identifiable non-public information
about you that is obtained in connection with providing you our financial
products or services. Our privacy policy will continue to cover information
we collect about you during the course of our relationship, as well as after
it has ended.
The Kind of Information We Collect
When you complete your insurance application form, claim form, or other
forms, we typically receive from you the following kinds of information:
name
address date and location of birth
marital status
sex
social security number
medical information
During the course of our business relationship, we may obtain information
about:
your payment history
your tax obligations
your investment preferences
If you correspond with us or transact business through our computer
websites, your browser may provide information to us as you interact with us
via the internet.
When May We Disclose Your Personal Information
It is our responsibility to meet your expectations for privacy while still
providing you with the financial products or services. In order to provide
our services to you, your information may be shared with other service
providers.
To complete applications and forms, we may need to provide your non-public
information to affiliated and nonaffiliated persons or entities involved in
the underwriting, processing, servicing, and marketing of financial products
and services.
Our privacy policy does not permit us to provide any nonaffiliated third
party with your non-public information unless we have an agreement with the
third party that they will protect the confidentiality of your non-public
information.
There are times when we are required by law to provide your non-public
information to authorized persons or entities. Such occasions include:
complying with a subpoena or summons by federal, state or local authorities
responding to judicial process
responding to regulatory authorities other purposes as required by law. We
will not disclose any of your non-public personal information to anyone
except as permitted or required by law.
Maintaining Security of Your Private Information
We will work to ensure that your non-public personal information remains
confidential and secure. To do so, we have established the following
procedures to protect against unauthorized access to your personal
information:
The only persons with access to your non-public personal information are
those persons who need to know about the information to underwrite, process,
service, or market insurance products and services. We will keep your
information physically and electronically secure If it comes to our
attention that a piece of personal information that we possess may be
inaccurate or false we will make a reasonable effort to re-verify its
accuracy and correct any error as appropriate
Former Clients
Your non-public personal information is maintained by us on a confidential
and secure basis. If we disclose any of your information, it will be for the
reasons and under the conditions described in this notice. We do not
disclose any non-public
personal information about our former clients to anyone except as permitted
or required by law.
Further Information
If you have any questions about our privacy policy, please write to:
949-833-5738
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