Privacy Promise
Larry White Insurance Services, Inc.
INITIAL/ANNUAL PRIVACY NOTICE
THIS NOTICE DESCRIBES HOW NONPUBLIC PERSONAL INFORMATION
(npi)
ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN
GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
We take pride in guarding your privacy. We
are committed to protecting the privacy and security of your
personal and financial data.
We provide products and services that involve private and
sensitive data. Guarding and keeping it safe is vital to us. This
notice explains our data policies and practices. First, we want
you to know how we collect, store and protect your data. Second,
we want to inform you about our data sharing policies. We do this
because you are a valued customer.
We collect only the minimum data required to deliver products
and services to you.
The
data we collect varies with the type of product you request
and may include:
|
Application Data |
Data you give us or the insurers we represent. The data may
change depending upon the type of policy you purchase.
Examples are your assets, income, Social Security number,
medical records, family data, address, employer(s), and
account or policy data etc.
|
|
Employer Data |
Data from your employer, benefit plan sponsor etc. on any
group products we may provide. Examples are your name,
address, income, medical records, family data, job
description and social security number(s) etc.
|
|
Transaction and Experience Data |
Data about your contacts with our business partners and us.
Examples are payment history, beneficiary changes, ownership
changes, medical or dental or vision claims, disability
claims, long term care claims etc.
|
|
Third Parties |
Consumer Reporting Agencies, Physical Examination services,
Credit Agencies for Workman’s Comp coverage etc. |
We limit how, when and where we share your data. We treat former
customers data in the same manner as current customers.
|
First |
We do not sell your personal, medical or financial
data to anybody.
|
|
Second |
We do not share your medical data
for any purpose other than to complete a matter requested by
you or if the law requires it.
|
|
Third |
We do not share customer data with anyone unless
allowed or required by law or with your permission.
We share only the minimum necessary data to complete the
matter or service. We may disclose all the data described
above. All service personnel and licensed agents in our
office are authorized to assist with your account or process
your requests. Examples of when we may share data include:
*
Service your account or policy such as ID cards, billing and
payment
data etc.
*
Process, pay, or research a claim.
*
Process a request by you such as adding or deleting a spouse
or child, changing coverage levels, changing
beneficiaries etc.
*
Protect your account or policy from fraud or theft.
*
Underwrite a policy or obtaining quotes for
coverage
*
Perform business functions for our agency.
|
We may share data with the following persons or entities when you
purchase an insurance product through our agency.
We share your data only with the entities necessary to complete
the transaction or provide the service.
When legally possible we require those we share your data with to
maintain its security. These include:
|
TYPE |
EXAMPLES |
|
Our Support Help |
Computer services, claim processors, mailing firms,
attorney, CPA etc. |
|
Insurance Support Groups |
Insurance physical exam firms, consumer reporting services,
insurance enrollment services, computer quoting services
etc. |
|
Insurance Firms |
General agents, agents who we have servicing agreements with
and third party administrators. |
|
Medical, Dental and Vision Service Providers |
Physicians, dentists, hospitals, etc. you have seen or used. |
|
Insurance Entity or HMO |
Carriers or insurers you have coverage through etc. |
|
Law Enforcement, Regulators, or the Courts |
In response to a subpoena, a court order, to obtain
government benefits, stop fraud or theft, etc. |
|
Group Policy Holders |
Employers or groups you have coverage through, etc. |
|
Lien Holders and Co-Owners |
Others with a legal interest in the policy, etc. |
|
Businesses Who Intend to Buy |
Other insurers or agents who intend to buy our business in
whole or in part, etc. |
We maintain physical, electronic, and administrative safeguards to
insure the protection of data.
Only agents and service personnel from our firm have access to
data. We have installed physical and electronic measures such as
virus and firewall protection and other means to protect your
data. We physically secure your data and train staff about their
duty to protect your data.
We may share your NPI with our affiliated companies.
The law requires us to inform you in this notice if we intend to
share your NPI with our wholly owned subsidiary companies. We are
allowed to share this information by law. Our subsidiaries will
maintain the same standard of safeguards as we do in order to
protect your NPI.
You have the right to access, copy, review and request correction
of the data we collect and maintain.
We act on all requests made to us in writing within 30 days of
receipt. We may charge a reasonable fee for copies if necessary.
In the event you believe there is an error in your data, you may
request in writing that it be corrected. We will notify you
within 30 days of receiving the request to correct the data that
it has been corrected or inform you why we are unable to make the
requested change with an explanation. If you disagree in any way,
you may supply us with a short statement why you disagree. It will
be filed with your personal data. You may contact our privacy
officer with any questions at 530.246.1040.
We will renew our Privacy Promise to you in writing yearly.
We may change our privacy policies and practices from time to
time. These changes may be a result of new laws or regulations,
court rulings, changing business practices etc. If we do make
material changes, we will notify you prior to making them. You may
contact our office to get a copy of our latest privacy policy.
