We recognize that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and are very careful to preserve the private nature of our relationship with you. At the same time, the very nature of our business sometimes requires that we collect or share certain information about you with other organizations or companies. As such, we want you to be aware of how we handle personal information. Our policies and procedures for collecting and disclosing personal information are detailed below.
We may collect nonpublic personal information about you from the following sources:
- Information we receive from you or your authorized representative on applications or other forms, in interviews or by other means.
- Information we receive from consumer or other reporting agencies, medical or health care providers, governmental agencies, employers or others; and
- Information about your transactions with us, our affiliates or others.
- Our Internet website
We may disclose the financial information we collect to financial service affiliates such as insurance companies, investment companies, insurance agencies, and securities broker-dealers. These disclosures will be only to the extent permitted by law.
Any medical or health information we collect about you will be disclosed to third parties only to underwrite insurance or administer your policy or claim; as permitted by law; or as authorized by you.
We require anyone to whom we disclose your personal information to protect its confidentiality and to use it solely for the purpose for which it is disclosed. Otherwise, we do not disclose any nonpublic personal information about our customers or former customers unless authorized by the customer or as permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.