Privacy

STEPHEN BENJAMIN INSURANCE AGENCY INC.
Privacy Policy Notice
PURPOSE OF THIS NOTICE
 
 
Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document which notifies you of the privacy and practices of the Stephen Benjamin Insurance Agency Inc. The laws of this State further require that we inform you that we may not share your personal information with a non-affiliated third party for any purpose that is not specifically authorized by law unless we obtain your affirmative permission. Nonpublic personal information means information about you that we collect in connection with providing insurance products and services to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is a company we own or control. A nonaffiliated third party is a company that is not an affiliate of ours.

Our Privacy Policy and Practices
 
INFORMATION WE COLLECT:
A. Categories of Information Collected and Sources From Which We Collect It
We collect nonpublic personal information about you from the following sources:  1. Information we receive from you on applications or other forms, 2. Information about your transactions with us, our affiliates or others, 3. Information we receive from medical records or medical professionals, 4. Information contained in RMV records. 5. We do not currently, but may in the future receive information from a consumer reporting agency. Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.
 
B. Persons From Whom Information Is Collected:
We collect nonpublic personal information from individuals other than those proposed for coverage.
 
INFORMATION WE MAY DISCLOSE TO THIRD PARTIES
We may disclose the following kinds of nonpublic personal information about you; 1. Information we receive from you on applications or other forms, such as your name, address, social security number.  2. Information about your transactions with us, our affiliates or others, such as your policy coverage, claims history, premiums, and payment history.
 
We may also 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 described: 1. To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us, 2. 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, 3. To an insurance institution, agent or credit reporting agency 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, 4. 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, 5. 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, 6. To an actuarial or research organization for the purpose.
 
OUR PRACTIES 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.
 
OUR POLICIES REGARDING DISPUTE RESOLUTION
Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof.
 
RESERVATION OF RIGHTS TO DISCLOSE INFORMATION IN UNFORSEEN CIRCUMSTANCES
In connection with the potential sale or transfer of its interests, Stephen Benjamin Insurance Agency Inc. and its affiliates, if any, reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and county of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be Stephen Benjamin Insurance Agency Inc.’s successor in interest with regard to maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.