Information We Collect.
We collect and use various types of information we believe is necessary
to administer our business, and to offer you the best possible customer
service. Customer Information we collect is categorized into the following
types: (1) information we receive from you on applications, or on other
forms, through telephone or in-person interviews, such as your name
address, phone number, social security number; your assets, income and
other household information; (2) information about your transactions
and account experience with us or others, such as your account balance,
transaction history; (3) information from consumer reporting agencies,
such as information regarding your creditworthiness or credit history;
(4) other general information we obtain about you that is not assembled
for the purpose of opening an account or offering certain products or
services that you may request, such as demographic information.
Information We Share.
We may disclose your non-public personal information as part of servicing
and maintaining your policy, contract or account, and/or for other purposes
as permitted or required by law. In the normal course of business, we
may share personal information with persons or entities involved in
servicing and administering products and services on our behalf. These
could include: your agent or broker, insurance companies, consumer reporting
agencies, PMB’s assisting in administration of policies and claims,
companies that perform marketing services on our behalf or other financial
institutions with whom we have joint marketing agreements, and other
service providers and affiliates assisting us. We may also disclose
any of the types of Customer Information to other organizations under
certain conditions as permitted by law. These may include: (1) a disclosure
in connection with a subpoena or similar legal process; (2) a fraud
investigation; (3) recording of deeds of trust and mortgages in public
records; (4) an audit or examination; and (5) the sale of your account
to another financial institution.
We will NOT disclose personal information about current or former
customers to non-affiliated third parties, except as permitted or required
by law, and we do NOT sell any personal information about you to any
third party.
Protection and Confidentiality of Information.
We have procedures in place that limit access to Customer Information
to only those employees, representatives and service providers who are
considered “authorized” personnel who need to know the information
to perform business services or market products on our behalf. We also
educate our employees about the importance of protecting the privacy
and security of confidential personal information. Additionally, we
maintain physical, electronic and procedural safeguards that comply
with federal and state regulations to guard your personal information.
Updating Our Privacy Policy.
We will provide notice of our privacy policy annually, as long as you
maintain an ongoing relationship with us. We will also update our policies
and procedures when necessary to ensure that your privacy is maintained
and that we conduct our business in a way that fulfills our commitment
to you. If we make any material changes in our privacy policy, we will
provide our customers with an updated notice.
SIPC Contact Information.
You may obtain information about SIPC, including the SIPC brochure,
by contacting SIPC. SIPC’s Web site address is (www.sipc.org)
and telephone number is (202) 371-8300). You will obtain this information,
in writing, at least once each year.