INSURANCE SERVICES GROUP, INC.
PRIVACY POLICY NOTICE

(as of July 1, 2009)

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 Insurance Services Group, Inc.

The GLBA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for any purpose that is not specifically authorized by law.  Your right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for a purpose that is not specifically authorized by law is called your right to “opt out” of such information sharing.

OUR PRIVACY POLICIES AND PRACTICES

1.    Information we collect:

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

  • Information we receive from you on applications or other forms including, but not limited to, information contained in a Motor Vehicle Record.

  • Information about your transactions with us, our affiliates or others.

  • Information we receive from a consumer reporting agency.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

2.    Information we may disclose to third parties:

We may disclose all of the information that we collect about you, as described above.

3.    Nonaffiliated third parties to whom disclosures may be made:

We may disclose nonpublic personal information about you to the following types of third parties, unless you tell us not to:

  • Financial service providers, including but not limited to, insurers, insurance brokers, intermediaries, Motor Vehicle Record providers, mortgagees, claims adjusters, real estate appraisers, accountants, loss payees, lessors, parties required to be “Additional Insureds” under your insurance.

  • Non-financial companies, including but not limited to,  real estate inspectors, loss control inspectors, attorneys, automobile dealers, etc.

  • Others, such as medical care providers, etc.

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

4.    Notification of Your Right To Opt Out of Certain Disclosures
As we indicated in this Privacy Policy Notice, we collect certain nonpublic personal information about you, and we may disclose that information to certain non-affiliated third parties for purposes other than those expressly permitted by the Gramm-Leach-Bliley Act and the federal and state regulations implementing the Act.  If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures that are expressly permitted by the Gramm-Leach-Bliley Act and its implementing regulations).

If you wish to opt out of such disclosures to non-affiliated third parties, you may check the appropriate box on the enclosed form.

5.    Affiliates and non-affiliates with whom we share certain information protected by the Fair Credit Reporting Act, unless you tell us not to:

A.   Information we can share with our affiliates and non-affiliates, unless you tell us not to:

Unless you tell us not to, we may share with our affiliated and non-affiliated companies information about you, including:

  • Information we obtain from your insurance application, such as your income or your marital status;

  • Information we obtain from a consumer report, such as your credit score or credit history;

  • Information we obtain to verify representations made by you, such as your open lines of credit; and

  • Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history.

B.    Our affiliated and non-affiliated companies who may receive this information are:

  • Financial service providers, including but not limited to, insurers, insurance brokers, intermediaries, Motor Vehicle Record providers, mortgagees, claims adjusters, real estate appraisers, accountants, loss payees, lessors, parties required to be “Additional Insureds” under your insurance.

  • Non-financial companies, including but not limited to, real estate inspectors, loss control inspectors, attorneys, automobile dealers, etc.

  • Others, such as medical care providers, etc.

C.    How to tell us not to share this information with our affiliated and non-affiliated companies:

If you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by checking the appropriate box on the enclosed form.

6.    Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information 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.

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

8.    Reservation of the right to disclose information in unforeseen circumstances:
In connection with the potential sale or transfer of its interests, Insurance Services Group, Inc. and its affiliates reserve the right to 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 Insurance Services Group, Inc.’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.