Privacy Policy

Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we have further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we will handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.

Personal Information Collected Depending on the purpose(s) for which we need to collect it, we may ask for some or all of the following personal information:

• Information such as your name, address, telephone numbers, e-mail address, birth date and marital/family status
• Claims history
• Credit or past payment records
• Medical information
• Employment information

With your consent, we may obtain this information from:

• You
• Insurance companies
• Other insurance brokers or agents
• Credit organizations
• Financial institutions
• Medical professionals

Why do we collect personal information? When you become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:

• Enable us to acquire or renew an insurance policy for you;
• Assist you and assess your ongoing needs for insurance;
• Assess your need for other products, such as financial products, and to offer them to you;
• Ensure your information is accurate and up-to-date; and
• Protect us both against error or fraud.

Who do we disclose your personal information to? For many of the purposes identified above, and only with your consent, we will share your personal information with others in order to serve your needs. These other parties commonly include:

• Insurance companies
• Managing General Agents
• Insurance brokers or agents working under our direct supervision
• Professionals working with us such as adjudicators
• Financial institutions. For example, the organization that carries your investments.

How we protect your personal information. In order to protect your personal information and right to privacy, we will:

• Never collect, use or disclose your personal information for any purpose other than those that we identify to you.
• Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law.
• Maintain your personal information in as accurate, complete and up-to-date a form as possible.
• Safeguard your personal information to the best of our ability.
• Respond to any request you may make to access or correct the personal information we hold about you.
• Obtain the appropriate consent from you for the collection, use or disclosure of your personal information.

Privacy Internet Communication As the privacy of communication over the Internet cannot be guaranteed, we do not assume any responsibility for any harm, loss, or damage that might occur by the sending of personal and confidential information.

Consent In using this site, you signify your consent to our privacy policy. If you are not in agreement, please do not use the site. We reserve the right, at our discretion, to update, change, modify, add, or remove this policy from time to time, as appropriate. Should we make changes, we will publish these on the site in a timely fashion.

Please contact our Privacy Officer if you have any questions or concerns.

Our Privacy Officer may be contacted as follows:

Upon request, an individual will be informed of the existence, use, and disclosure of their personal information which is under our control, and may be given access to, and challenge the accuracy and completeness of that information.