| Effective September 2006
We recognize the sensitive nature of much of the
information with which we are entrusted on a daily basis, and we are
committed to the highest standards of privacy. The nature of our business
requires that we gather information that is of a personal nature, whether
it be financial, medical or other information that you wish to keep
protected. The following outline is intended to familiarize you with our
policies for the gathering, use, maintenance and protection of private
information as required by the Gramm-Leach-Bliley Act. The examples given
are intended to be for illustrative purposes only, and therefore, should
not be considered a complete representation of our practices. If you have
any questions or concerns about any of our practices, please contact us at
(800) 328-8345.
INFORMATION
COLLECTED:
As you are probably aware, in the course of our relationship
with you, we may collect information from a variety of sources. We collect
this information in order to carry out our business functions and provide
the highest quality of service to you. Most of our information comes
directly from you. This information may be provided to us in an
application for insurance, or as part of the supporting documentation
submitted or obtained in the insurance underwriting or claim handling
process. Information comes to us from third parties, including agents,
employers, other insurance brokers or insurance companies, health care
professionals, and consumer reporting agencies or other public sources. We
may obtain information about your business or occupation, property,
health, credit history and income, as well as personal identification
information such as names, birth dates, addresses, social security and
drivers license numbers, telephone numbers, and e-mail addresses. In
addition, we gather information about the business you conduct with us.
This may include information such as insurance policies, premiums, policy
numbers, and claims history.
DISCLOSURE
OF INFORMATION:
In the course of our normal business activities, we may
disclose collected information to both affiliates and non-affiliated
entities, as we deem necessary. We will not disclose your information for
any purposes other than those in conjunction with the business activities
requested of us unless otherwise permitted or required by law. The
business activities include the marketing, quoting and servicing of your
insurance needs and performing other essential functions of our business.
Affiliated entities are within the BWD family of companies, while
non-affiliated entities are those outside of the BWD family of companies
with which we conduct our activities, including insurance companies,
wholesalers, claims administrators, other brokers and agents, actuaries
and other financial services or marketing firms. We endeavor to choose
non-affiliates with similar standards to ours regarding the protection of
private information. We never sell any private information to other
companies for any reason.
PROTECTION
OF INFORMATION:
Our employees are trained to understand the importance of
confidentiality and are required to adhere to our privacy policies and
procedures. Employees who violate these policies and procedures are
subject to disciplinary action. We employ numerous practices to protect
against the disclosure of information for purposes unrelated to the
performance of our business functions or to individuals other than those
who must use it in the course of their work activities. These practices
include the use of password protection of computer files, e-mail and
voice-mail, video surveillance, and other physical, electronic, and
procedural safeguards.
ANNUAL
NOTICES:
During the course of your business relationship with us, we
will continue to send annual statements similar to this one describing our
privacy policy. We may revise or supplement the policy at any time. If our
active business relationship with you should end for any reason, you will
not receive future statements. However, the same privacy policies and
procedures will apply as if an active relationship were to exist.
If you have any questions about this privacy statement,
the practices of this site, or your experience with this website, click
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