| PRIVACY NOTICE |
PURPOSE OF THIS NOTICE
As provided by law, we are generally prohibited from sharing nonpublic
personal information about you with a third party unless we provide you with
this notice of our privacy policies and practices describing the type of
information that we collect about you and the categories of persons or
entities to whom that information may be disclosed. Accordingly, we are
providing you with this document, which notifies you of the privacy policies
and practices of Fire Mark Insurance Agency Inc.
Furthermore, we wish to inform you that we so not share your personal
information with any non-affiliated third parties for any purpose that is not
specifically authorized by law unless we obtain your affirmative permission.
As provided by law, we are generally prohibited from sharing nonpublic
personal information about you with a third party unless we provide you with
this notice of our privacy policies and practices describing the type of
information that we collect about you and the categories of persons or
entities to whom that information may be disclosed. Accordingly, we are
providing you with this document, which notifies you of the privacy policies
and practices of Fire Mark Insurance Agency Inc.
Furthermore, we wish to inform you that we so not share your personal
information with any non-affiliated third parties for any purpose that is not
specifically authorized by law unless we obtain your affirmative permission.
OUR PRIVACY POLICIES AND PRACTICES:
Information we collect:
Categories of Information Collected and Sources Where We Collect It:
We collect nonpublic personal information about you for m the following
sources:
· Information we received fro you on applications or other forms you
submit to us, from your dealings with us and from our website.
· Information about your transactions with is, our affiliated or others.
· Information we receive form consumer reporting agencies.
· Information we receive from medical records or medical professionals.
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 may collect nonpublic personal information for individuals other than
t hose proposed for coverage.
C. Information From Credit Reports of Investigative Consumer Reports
If you authorize us to do so, we may obtain information about your from
credit reports, to other investigative consumer reports prepared by third
parties at our request. If you authorize us to request such information and
we request such information, you would be aware that:
· You have the right to request to be interviewed in connection with the
preparation of an investigative consumer report.
· Upon request, you are entitled to receive a copy of the consumer report.
· The information obtained from the reports prepared by a third party may be
retained by the third party and disclosed to other persons.
Information we may disclose to third parties:
In the course of our general business practices, we may disclose the
information that we collect (as described above) about you or others with out
your permission to the following types of institutions for the reasons
described:
· To a third party if the disclosure will enable that party to perform a
business, professional or insurance function for us.
· To an insurance institution, agent, or credit reports in AB Brokerage,
Inc. in order to detect or prevent criminal activity, fraud or misrepresentation
in connection with an insurance transaction.
· To an insurance institution, agent or credit reporting agency for wither
this agency to the entity to which we disclosed the information to perform a
function in connection with an insurance transaction involving you.
· To a medical care institution or medical professional I 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.
· 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.
· To a group policyholder, for the purpose of reporting claims experience
or conducting an audit of our operations or services.
· To an actuarial or research organization for the purpose of conducting
actuarial or research studies. In addition to those circumstances listed
above, and unless you direct us not to by completing the attached Opt Out
Form, we may disclose certain information about you to third parties whose
only use of the information will be for the purpose of marketing a product or
service. Under no circumstances will we disclose for marketing purposes:
1. Any medical information;
2. Information relating to a claim for a benefit or a civil or criminal
proceeding involving you; or
3. Personal information relating to you character, personal habits, mode
of living or general reputation.
3. Your right to access and amend your personal information:
You have the right to request access to the personal information that we
record about you. Your right included the right to know the source of the
information and the identity of the persons, institutions to types of institutions
to whom we have disclosed such information within two (2) years prior to
your request. Your right includes the right to view such information and copy
it in person, or request that a copy of it be sent to you by mail (for which we
may charge you a reasonable fee to cover our costs). Your right also
includes the right to request corrections, amendments or deletions of any
information in our possession. The procedures that you must follow to
request access to or an amendment of your information are as follows: To
obtain access your information: You should submit a request in writing to
Fire Mark Insurance Agency Inc. The request should include your name,
address, social security number, telephone number, and the recorded
information to which you would like access. The request should state
whether you would like access in person or a copy of the information sent to
you by mail. Upon receipt of your request, we will contact you within 30
business days to arrange providing you with access in person to the copies
that you have requested. To correct, amend, or delete any of your
information: You should submit a request in writing to PO Box 39, 826 East
Main Street, Cobleskill, NY 12043. The request should include your name,
address, social security number, document, or record that contains the
disputed information. Upon receipt of you request, we will contact you within
30 business days to notify you wither that we have made the corrections,
amendment or deletion, or that we refuse to do and the reasons for the
refusal, which you will have an opportunity to challenge.
4. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those
employees who need to know all information in order to provide products or
services to you. We maintain physical, electronic, and organizational
safeguards to protect information about you.
5. Internet Policies and Procedures
Fire Mark Insurance Agency, Inc. respects the privacy of the individuals and
businesses accessing/using (“Users) its website (“Website”). Fire Mark
Insurance Agency Inc collects limited information about Users who visit areas
of Fire Mark Insurance Agency Ins. Website accessible to the public (“Public
Areas”). This information is automatically collected on an n aggregate basis
(“Aggregate Information”) to measure traffic on the Website. Aggregate
information is collected the use f a “cookie” or small text file placed in the
User’s hard drive by the User’s Internet browser. The cookie allows Fire
Mark Insurance Agency Inc. to track the number of hits or visits to various
pages on the website. When Fire Mark Insurance Agency Inc. website is
accessed through a hyperlink on another website the cookie will identify and
track the Internet Protocol address (“IP”) that linked the user to the website.
If the User did not hyperlink to Fire Mark Insurance Agency Inc. website from
the most recently visited IP, then Fire Mark Insurance Agency Inc. will only
identify the User’s Internet Service Provider (e.g. AOL.com, MSN.com, etc).
The cookie is used only during a single connection to the Website, and is not
used to tract user activity after leaving the Website. It is permanently
disabled when the User exits the Website, and information about individual
users is not collected, saved or distributed to others by Fire Mark Insurance
Agency Inc.. Aggregate information and other information gathered through
voluntary Users surveys and forms assists Fire Mark Insurance Agency Inc.
to better understand users’ needs and improve the Website, and to enable
Fire Mark Insurance Agency Inc. to demonstrate to vendors and other
information about the volume and nature to its Website traffic. The website
contain hyperlinks to Internet sites outside of www.firemarkins.com and www.
lewiswilsonins.com members and other businesses and resources, and each
Internet site may have its own privacy and data collection policies and
practices. Fire Mark Insurance Agency Inc. disclaims all warranties and
responsibilities of any kind, including, without limitation, warranties and
responsibilities with respect to other businesses, resources, Internet sites,
contact privacy and data collection policies and practices, and actions.
This notice is being provided on behalf of the following of Fire Mark
Insurance Agency Inc.
Information we collect:
Categories of Information Collected and Sources Where We Collect It:
We collect nonpublic personal information about you for m the following
sources:
· Information we received fro you on applications or other forms you
submit to us, from your dealings with us and from our website.
· Information about your transactions with is, our affiliated or others.
· Information we receive form consumer reporting agencies.
· Information we receive from medical records or medical professionals.
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 may collect nonpublic personal information for individuals other than
t hose proposed for coverage.
C. Information From Credit Reports of Investigative Consumer Reports
If you authorize us to do so, we may obtain information about your from
credit reports, to other investigative consumer reports prepared by third
parties at our request. If you authorize us to request such information and
we request such information, you would be aware that:
· You have the right to request to be interviewed in connection with the
preparation of an investigative consumer report.
· Upon request, you are entitled to receive a copy of the consumer report.
· The information obtained from the reports prepared by a third party may be
retained by the third party and disclosed to other persons.
Information we may disclose to third parties:
In the course of our general business practices, we may disclose the
information that we collect (as described above) about you or others with out
your permission to the following types of institutions for the reasons
described:
· To a third party if the disclosure will enable that party to perform a
business, professional or insurance function for us.
· To an insurance institution, agent, or credit reports in AB Brokerage,
Inc. in order to detect or prevent criminal activity, fraud or misrepresentation
in connection with an insurance transaction.
· To an insurance institution, agent or credit reporting agency for wither
this agency to the entity to which we disclosed the information to perform a
function in connection with an insurance transaction involving you.
· To a medical care institution or medical professional I 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.
· 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.
· To a group policyholder, for the purpose of reporting claims experience
or conducting an audit of our operations or services.
· To an actuarial or research organization for the purpose of conducting
actuarial or research studies. In addition to those circumstances listed
above, and unless you direct us not to by completing the attached Opt Out
Form, we may disclose certain information about you to third parties whose
only use of the information will be for the purpose of marketing a product or
service. Under no circumstances will we disclose for marketing purposes:
1. Any medical information;
2. Information relating to a claim for a benefit or a civil or criminal
proceeding involving you; or
3. Personal information relating to you character, personal habits, mode
of living or general reputation.
3. Your right to access and amend your personal information:
You have the right to request access to the personal information that we
record about you. Your right included the right to know the source of the
information and the identity of the persons, institutions to types of institutions
to whom we have disclosed such information within two (2) years prior to
your request. Your right includes the right to view such information and copy
it in person, or request that a copy of it be sent to you by mail (for which we
may charge you a reasonable fee to cover our costs). Your right also
includes the right to request corrections, amendments or deletions of any
information in our possession. The procedures that you must follow to
request access to or an amendment of your information are as follows: To
obtain access your information: You should submit a request in writing to
Fire Mark Insurance Agency Inc. The request should include your name,
address, social security number, telephone number, and the recorded
information to which you would like access. The request should state
whether you would like access in person or a copy of the information sent to
you by mail. Upon receipt of your request, we will contact you within 30
business days to arrange providing you with access in person to the copies
that you have requested. To correct, amend, or delete any of your
information: You should submit a request in writing to PO Box 39, 826 East
Main Street, Cobleskill, NY 12043. The request should include your name,
address, social security number, document, or record that contains the
disputed information. Upon receipt of you request, we will contact you within
30 business days to notify you wither that we have made the corrections,
amendment or deletion, or that we refuse to do and the reasons for the
refusal, which you will have an opportunity to challenge.
4. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those
employees who need to know all information in order to provide products or
services to you. We maintain physical, electronic, and organizational
safeguards to protect information about you.
5. Internet Policies and Procedures
Fire Mark Insurance Agency, Inc. respects the privacy of the individuals and
businesses accessing/using (“Users) its website (“Website”). Fire Mark
Insurance Agency Inc collects limited information about Users who visit areas
of Fire Mark Insurance Agency Ins. Website accessible to the public (“Public
Areas”). This information is automatically collected on an n aggregate basis
(“Aggregate Information”) to measure traffic on the Website. Aggregate
information is collected the use f a “cookie” or small text file placed in the
User’s hard drive by the User’s Internet browser. The cookie allows Fire
Mark Insurance Agency Inc. to track the number of hits or visits to various
pages on the website. When Fire Mark Insurance Agency Inc. website is
accessed through a hyperlink on another website the cookie will identify and
track the Internet Protocol address (“IP”) that linked the user to the website.
If the User did not hyperlink to Fire Mark Insurance Agency Inc. website from
the most recently visited IP, then Fire Mark Insurance Agency Inc. will only
identify the User’s Internet Service Provider (e.g. AOL.com, MSN.com, etc).
The cookie is used only during a single connection to the Website, and is not
used to tract user activity after leaving the Website. It is permanently
disabled when the User exits the Website, and information about individual
users is not collected, saved or distributed to others by Fire Mark Insurance
Agency Inc.. Aggregate information and other information gathered through
voluntary Users surveys and forms assists Fire Mark Insurance Agency Inc.
to better understand users’ needs and improve the Website, and to enable
Fire Mark Insurance Agency Inc. to demonstrate to vendors and other
information about the volume and nature to its Website traffic. The website
contain hyperlinks to Internet sites outside of www.firemarkins.com and www.
lewiswilsonins.com members and other businesses and resources, and each
Internet site may have its own privacy and data collection policies and
practices. Fire Mark Insurance Agency Inc. disclaims all warranties and
responsibilities of any kind, including, without limitation, warranties and
responsibilities with respect to other businesses, resources, Internet sites,
contact privacy and data collection policies and practices, and actions.
This notice is being provided on behalf of the following of Fire Mark
Insurance Agency Inc.
