PURPOSE OF THIS NOTICE
Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of Massachusetts, generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and the laws of this State, we are providing you with this document, which notifies you of the privacy policies and practices of Knapp, Schenck & Company.
OUR PRIVACY POLICIES AND PRACTICES
Information we collect:
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates or others;
Information we receive from a consumer reporting agency; and
Information we receive from medical records or medical professionals.
Information we may disclose to third parties:
We may disclose the following kinds of nonpublic personal information about you:
Information we receive from you on applications or other forms, such as your name, address, social security number;
Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history; and
Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
We also may disclose information about our customers or former customers as permitted by law.
In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons:
To a third party if the disclosure will enable that party to perform an insurance function for us;
To an insurance institution or agent in order to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction;
To an insurance institution or agent for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you;
To a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an audit that would enable us to verify treatment;
To an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities; and
To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
Your right to access and amend your personal information:
You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within 2 years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:
To obtain access to your information: You should submit a request in writing to Timothy H. French, Director of Marketing. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.
To correct, amend, or delete any of your information: You should submit a request in writing to Timothy H. French, Director of Marketing. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.
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.