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Protecting the personal information of our individual customers
who obtain insurance and financial products and services from us
for personal, family or household needs, is something we take very
seriously at Capital Shield Agency, Inc. This Privacy Notice explains
how we handle the personal information about you that we collect
and may disclose. This notice also tells you how you can limit our
disclosure of personal information about you. This notice applies
to current and former customers. We may amend this notice from time
to time. The Insurance Company which our customers policy has been
issued, will send out their Privacy Disclosure at least once annually.
OUR PRIVACY PROMISE
While accurate information allows us to provide
superior service, our most important asset is our customers' trust.
Keeping customer information secure, and using it only as our customers
would want us to, is a top priority for all of us at Capital Shield
Agency, Inc. Here then is our promise to our customers:
We will safeguard, according to
strict standards of security and confidentiality, any
information you share with us.
We will limit the collection and use of your information
to the minimum we require to deliver superior service
to you, which includes advising you about our products,
services and other opportunities, and to administer
our business.
We will permit only authorized employees, who are trained
in the proper handling of customer information, to have
access to that information. Employees who violate our
privacy policies will be subject to our normal disciplinary
process.
We will not reveal your information to any external
organization unless we have previously informed you
in disclosures or agreements, have been authorized by
you, or are required by law.
We will always maintain control over the confidentiality
of your information. We may, however, facilitate relevant
offers from reputable companies. These companies are
not permitted to retain your information unless you
have specifically expressed interest in their products
or services.
Whenever we hire other organizations to provide support
services, we will require them to conform to our privacy
standards and to allow us to audit them for compliance.
For purposes of credit reporting, verification and risk
management, we will exchange information about you with
reputable reference sources and clearinghouse services.
We will not use or share - internally or externally
- personally identifiable medical information for any
purpose other than the underwriting or administration
of your policy, claim or account, or as disclosed to
you when the information is collected, or to which you
consent.
We will attempt to keep customer files complete, up-to-date
and accurate. We will tell you how and where to conveniently
access your account information (except when we are
prohibited by law) and how to notify us about errors
which we will promptly correct.
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CATEGORIES OF PERSONAL INFORMATION
WE COLLECT AND MAY DISCLOSE
We maintain physical, electronic,
and procedural safeguards to protect personal information
we gather about you. We may collect personal information
about you from the following sources:
Information from your application.
You provide us with most of the information we need
as part of the application process.
Information from third parties.
The kind of data we may gather depends on the type of
policy or contract, but may include motor vehicle reports,
claims reports, credit reports, property inspection
reports, and medical reports. We may obtain information
from reputable consumer reporting agencies in connection
with your application for insurance and/or renewal of
such insurance. Once you are a customer, your file may
also contain information connected with any claims you
have had, such as a damage or loss report or condition
of an insured property.
Information about transactions or
experiences. Your file may contain information based
on our transactions and experiences with you, such as
your premium payment and claims history.
If you believe any of the information
we have about you is incorrect, please notify us in
writing and we will investigate and correct any errors
we find. If we do not find any errors, and you believe
that the information we have is in error, you may file
a statement with us that disputes the information in
your file. We will send the correction or statement
to anyone who received or will receive the original
information. In addition, please contact us if you have
any questions about your right of access to, or correction
of, information in your file.
Please send all written requests
to your agent or insurance representative. For verification
purposes, please include a copy (not the original) of
some type of personal identification, such as your driver's
license.
YOUR PRIVACY CHOICES
No action is required on your part.
We will not disclose or share information about you
with any third parties, except as may be permitted by
law as stated below. If you become a policyholder, you
will receive information about your privacy choices
with your policy package from the company to which your
policy was assigned. If you do not know or understand
which insurance company you have please notify us in
writing and we will respond in writing with any information
on your policy.
DISCLOSING TO NON-AFFILIATED THIRD
PARTIES
We will not disclose personal information
to non-affiliated third parties except as permitted
by law.
Disclosure is permitted by law for
purposes such as to:
- Service or maintain your policy
or annuity contract or process a transaction that you
request;
- Perform services or marketing on our behalf;
- Protect the confidentiality or security of our records
pertaining to you, our products or services;
- Assist us in responding to your inquiries or complaints;
- Comply with legal requirements.
Non-affiliated third parties may
include, but are not limited to, the following:
- Your insurance agent, broker,
agency, or registered broker-dealer;
- A government agency, self-regulatory organization,
or other organization examining our records and/or practices;
- Your attorney, trustee, or anyone else who represents
you in a fiduciary capacity or has a legal interest
in your policy;
- Persons to whom a court requires us, by order or subpoena,
to provide information;
- Third parties who perform services or marketing on
our behalf, including third party administrators;
- Claim adjusters or investigators;
- Persons or organizations that conduct actuarial or
research studies, provided that no individual may be
identified in any actuarial or research study report;
- An insurance support organization or another insurer
to prevent or prosecute f raud or to properly underwrite
a risk or to detect criminal activity;
- Insurance rate advisory organizations;
- Consumer reporting agencies.
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