Annual Privacy Statement
THE MORAN GROUP, LLC
IMPORTANT NOTICE CONCERNING OUR INSURANCE INFORMATION PRACTICES
PROTECTING YOUR RIGHT TO PRIVACY:
You have a right to privacy, and we are concerned about protecting this right. For that reason, we are providing you with this Insurance Information Practices Notice in accordance with the law. Although we encourage you to read this entire notice, here is a summary of the information contained in this notice as respects our obligations and your privacy rights:
We must inform you of our information-gathering practices.
You may have access to recorded personal information that we may have.
You have a right to correct, amend or delete recorded personal information.
You have a right to know the reason for an adverse underwriting decision.
We have limited rights to disclose personal information about you.
WHAT KIND OF INFORMATION IS COLLECTED ABOUT YOU:
In order to evaluate people or property for insurance properly, we need to collect certain information. As our customer, we believe you should know about our information practices.
You are the primary source of our information. The application which you complete with our agency generally tells us what we need to know. In the event that additional information is needed to complete your application, we will attempt to obtain this by contacting you through one of our agents, licensed or unlicensed associates.
For automobile insurance, we order motor vehicle records which contain information about accidents and violations. We may also order a consumer information report (also known as a credit report) from an independent insurance support organization or consumer reporting agency (such as Experian, Trans Union or Equifax). The information contained in these reports would relate to your driving record, use of the automobile and other similar details.
On insurance for homes, boats, recreational vehicles and other personal property, we may order a similar consumer information report to determine the condition of the property and the accuracy of the information you furnished on your application. These reports frequently include a photograph of the property to be insured.
We may review your credit report or obtain or use a credit-based insurance company score based on the information contained in the credit report. We may use a third party in connection with the development of your credit-based insurance score.
HOW TO OBTAIN YOUR CREDIT REPORTS AND. IF NECESSARY. CORRECT THEM:
Equifax, Experian and Trans Union maintain their own credit information files. You can request copies of your credit reports from any or all of those bureaus by contacting them directly at:
Trans Union: 800-888-4213
We recommend that you review the information in your credit reports closely and, if you find any errors on a bureau’s report, contact the bureau to have the information corrected.
WHO HAS ACCESS TO INFORMATION ABOUT YOU:
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Under the law, we may share information about you contained in our files only with certain persons or organizations without your prior authorization. The types of persons or organizations with whom we may share this information include those who perform a business function for us: for example, businesses that help us with data processing; another insurance company; a reinsurance company; agent or consumer reporting agency; and medical professional (to inform the individual of a medical problem). We may also share information for the purpose of conducting scientific research, marketing a product or service, the marketing of an insurance service or product by an affiliate, determining eligibility for benefits or payments under a policy, responding to requests by regulatory authorities or for other purposes permitted by law.
We may disclose all of the information we collect as described in this section to companies that provide marketing services on our behalf, or as part of a joint marketing agreement with other financial institutions, or to providers of products and services which are subject to appropriate confidentiality agreements.
Upon your request, we will provide you with a more complete description of the circumstances under which personal information may be disclosed without your prior authorization.
HOW WE PROTECT INFORMATION.
We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information. These safeguards comply with applicable laws. We retain your information as long as required by law or regulation. The only employees or agents who have access to your information are those who must have it to provide products or services to you. We do not sell your information to mass marketing or telemarketing companies.
HOW YOU CAN FIND OUT WHAT INFORMATION WE HAVE ABOUT YOU:
Upon written request to us, you have a right to either see a copy in person (or obtain a copy from us by mail) of whatever recorded personal information we have about you in our files. You must properly identify yourself when making this written request by supplying us with your full name, address and policy number, if applicable. We will, within thirty (30) business days from the date we receive your request, allow you to see and copy this information in person or send you a copy of the information if it is reasonably locatable and retrievable by us.
We will also tell you the identity, if known, of those persons to whom we have disclosed this personal information within the two years prior to your request. If the identity of such persons is not known, we will tell you the names of the persons to whom we normally disclose such information.
We are not required to give you access to certain kinds of information. This type of information is generally collected when we evaluate a claim under an insurance policy or when the possibility of a lawsuit exists.
You have a right to make a written request of us to correct, amend or delete any recorded personal information about you in our possession. If you make such a written request, we will, within thirty (30) business days from the date we receive it, correct, amend or delete the portion of the recorded personal information that you dispute; or notify you of our refusal to do so, the reasons for refusal and your right to file a supplementary statement disagreeing with our refusal.
If we agree to correct, amend or delete the recorded personal information in our possession about you, we will notify you in writing. We will furnish the correction, amendment or deletion to any person you specifically designate who may have, within the preceding two years, received the information from us. The correction, amendment or deletion will also be furnished to any insurance support organization which systematically receives such information with the information that has been corrected, amended or deleted.
If we refuse to correct, amend or delete the recorded personal information according to your request, you have the right to file a concise statement setting forth what you think is the correct, relevant, or fair information, and the reasons why you disagree with our refusal to correct, amend or delete the information. If you file either statement, we will file the statement with the disputed information so that anybody reviewing the disputed information will be made aware of your statement and have access to it. We will also, in any subsequent disclosure of the disputed information, clearly identify the matters in dispute and provide your statement along with the information being disclosed. We will also furnish your statement to any persons or insurance support organization to whom we previously provided the personal information in dispute.
QUESTIONS REGARDING OUR PRIVACY PROCEDURES:
Should you have any questions about our procedures or information contained in your file, please contact your insurance agent or us.
Thank you for selecting us to service your insurance needs!
For the purposes of this notice, the terms “we”, “us” and “our” refer to the agency providing your insurance services shown as “Coverage is provided In” on your declarations.
For the purposes of this notice, the terms “we”, “us” and “our” refer to the Agency providing your insurance services shown as “Coverage Is Provided In” on your Declarations