Paige & Byrnes Insurance Agency is committed to protecting
your personal information and using it only as
appropriate to provide you the best possible service,
products, and opportunities. This Privacy Policy, which
describes our information practices and policies in
detail, applies to our relationship with you if you are
an individual who inquires about and/or obtains products
or services from us for personal, family, or household
purposes.
This privacy policy form has been developed in response
to the federal Gramm-Leach-Bliley Act that addresses the
privacy of consumers. Effective July 1, 2001, it must be
given to all applicants at the time of renewal and at
the time of application for all lines of insurance,
including but not limited to: homeowners, automobile,
mobile homes, dwellings, umbrellas, RVs, life and
annuities, accident and health, disability income, and
long-term care.
It is important for you to note the following key
provision in the Paige & Byrnes Insurance Privacy Policy: We do
not share information with non-affiliated third parties
that would use it to market products or services to you.
What kind of personal information do we collect
about you and from whom?
Paige & Byrnes
Insurance Agency obtains most of our information
directly from you. The application you complete, as well
as any additional information you provide, generally
gives us most of the information we need to know. We may
also collect personal information about you from any of
your other transactions with us, our affiliates, or
others. Sometimes we may contact you by phone, mail, or
electronic means to obtain additional information.
Depending on the nature of your insurance transaction,
we may need additional information about you or other
individuals proposed for coverage. For auto insurance,
we may need information from motor vehicle records. For
property coverages, we may send someone to inspect your
property and verify information about its value and
condition. A photo of any property to be insured might
be taken. We may also review insurance claims
information and other loss information reports.
We may obtain the additional information we need from
third parties, such as insurance companies, government
agencies, information clearinghouses, courts, and other
public records. We may obtain consumer credit
information from a consumer reporting agency as well.
Unless it is specifically stated otherwise in an
amended Privacy Policy Notice, no additional information
about you will be collected.
Disclosure of Information
As stated
previously, we do not share information with
non-affiliated third parties that would use it to market
products or services to you.
We may disclose the following kinds of nonpublic
personal information (NPI) about you:
Information we receive from you on applications
or other forms, such as your name, address, social
security number, assets, income, and beneficiaries.
Information about your transactions with us, our
affiliates, or others, such as your policy coverage,
premiums, and payment history.
Information we receive from a consumer reporting
agency, such as your creditworthiness and credit
history.
We may
disclose the personal information described above as
required to conduct our business and as permitted by
law. Our standards for disclosure apply to your personal
information whether you are a current or former
customer.
Categories of third parties to whom NPI is
disclosed
In the
course of our general business practices, we may
disclose the information that we collect about you or
others without your permission to the following types of
institutions:
To a third party if the disclosure will enable
that party to perform a business, professional, or
insurance function for us.
To an insurance institution, agent, or credit
reporting agency in order to detect or prevent
criminal activity, fraud, or misrepresentation in
connection with an insurance transaction.
To an insurance institution, agent, or credit
reporting agency for either this agency or the
entity to which we disclose the information to
perform a function in connection with an insurance
transaction involving you.
To an insurance regulatory authority, law
enforcement, or other governmental authority.
To a group policyholder for the purpose of
reporting claims experience or conducting an audit
of our operations and services.
Who has access to your information?
Paige & Byrnes
currently incorporates a system of passwords and other
appropriate physical and procedural safeguards to
protect against unauthorized access to information. We
educate our employees about the terms of this Notice and
their confidentiality and customer privacy. Employees
who gain unauthorized access and violate our Privacy
Policy are subject to disciplinary action up to and
including termination of employment. We continue to
monitor and evaluate our information security program
and security
software in light of relevant changes in technology to
determine ways to maintain protections to the security
of our records and information.
Further Information
Now that
you trust
Paige & Byrnes
Insurance Agency not to share information with
non-affiliated third parties that would use it to market
products or services to you, please note that we may
share your non-public information with another insurance
carrier (nonaffiliated) at the renewal of one or all of
your personal policies. Realize again that these
companies will not use this information to market
products or services to you. If you wish to opt out of
the information sharing described, please write to us at
Paige & Byrnes
Insurance Agency, Inc., P.O. Box 1312, Warren, OH 44482-1312.
Please provide your complete name, address, telephone
number, and policy number(s). We will send you an
opt-out form which must be returned to
Paige & Byrnes at the
named street address no later than 30 days after you
receive the form in order for it to be valid. If you do
not return this form to us within 30 days, you have not
exercised your opt-out right, and we may share the
information described.
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 two (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. In
order to do so, please submit a request in writing to
the named address, including all necessary information
regarding the information requested. Upon receipt of the
request, we will contact you within 30 days to notify
you of the status of your inquiry.
Our Commitment to Privacy
At
Paige & Byrnes
Insurance, the interests of our clients always come
first. With that in mind, we will continually reassess
our privacy policy to ensure that it enables us to
properly serve you, and we will provide you with a copy
of our Privacy Policy Notice each year to remind you of
our commitment to privacy.
Browser Web Site Privacy
Information Automatically Collected and Stored
When you
browse through our web site, certain personal
information about you can be collected. We automatically
collect and temporarily store the following information
about your visit:
The name of the domain you use to access the
Internet (for example, aol.com, if you are using an
American Online account, or osu.edu, if you are
connecting from Ohio State University’s domain);
The date and time of your visit;
The pages you visited; and
The address of the web site you came from when
you came to visit.
We use
this information for statistical purposes and to help us
make our site more useful to visitors. Unless it is
specifically stated otherwise, no additional information
will be collected about you.
Personally Provided Information
You do not
have to give us personal information to visit our web
sites. If you choose to provide us with additional
information about yourself through an e-mail message,
form, survey, etc., we will only maintain the
information as long as needed to respond to your
question or to fulfill the stated purpose of the
communication.
Disclosure
Paige & Byrnes
does not disclose, give, sell or transfer any personal
information about our visitors, unless required for law
enforcement or statute.
If you have any questions regarding our Privacy
Policies, please contact us at 330-393-2587.
