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This privacy
policy is provided to you by Online Homeowners Insurance Quotes
Company Co, Inc.
Your
Privacy is Important to Us
As your insurance company,
Online Homeowners Insurance Quotes
Company Co, Inc. recognizes our obligation to keep information about you
secure and confidential. Most of the information we use in
evaluating your application and servicing your policy comes
to us directly from you. When you apply to Online Homeowners Insurance Quotes Company Co, Inc. for any
type of insurance, you disclose information about yourself
to us. The collection, use, and disclosure of such information
is regulated by law. Online Homeowners Insurance Quotes Company Co, Inc., its agents, affiliates and subsidiaries
maintain physical, electronic and procedural safeguards that
comply with state and federal regulations to guard your personal
information. Online Homeowners Insurance Quotes
Company Co, Inc. also limits employee access to personally identifiable
information to those with a business reason for knowing such
information. Online Homeowners Insurance Quotes Company Co, Inc. also instructs our employees so that
they will understand the importance of confidentiality
of personal information, and takes appropriate measures to
enforce employee privacy responsibilities.
What kind
of information do we collect about you and from whom?
Online Homeowners Insurance Quotes Company Co, Inc. obtains most of our
information directly from you. The application you complete,
as well as any additional information you provide, generally
gives us most of the information we need to know. Sometimes
we may contact you by phone or mail to obtain additional information.
We may also use information about you from your other transactions
with us, our affiliates, or others.
Depending on the
nature of your insurance transaction, Online Homeowners Insurance Quotes
Company Co, Inc. may need additional
information about you or other individuals proposed for coverage.
For auto insurance, we may need information from your motor
vehicle records. For property coverages, we may send someone
to inspect your property and verify information about its
value and condition. A photo of any property to be insured
might be taken. We may review insurance claims information
and other loss information reports, and we may also obtain
medial or financial information to adjust some claims.
We may obtain the
additional information we need from third parties, such as
other insurance companies, government agencies, information
clearinghouses, courts and other public records.
We may receive consumer
credit information from a consumer reporting agency ("CRA").
If we need to order a more detailed investigative consumer
credit report, Online Homeowners Insurance Quotes
Company Co, Inc. will notify you as required by state laws
and the federal Fair Credit Reporting Act ("FCRA").
Under the FCRA, you have the right to ask to be personally
interviewed if we order an investigative consumer credit report.
Upon request, we will tell you how to get a copy of the report.
The agency that prepares a consumer report for Online Homeowners Insurance Quotes
Company Co, Inc. may retain
that report and disclose it to other persons as permitted
by law. If insurance coverage is declined or the charge for
coverage is increased because of information contained in
a consumer report Online Homeowners Insurance Quotes
Company Co, Inc. obtained from a CRA, we will tell you
as required by state law and the FCRA. We also will give you
the name and address of the CRA making the report.
What does
Online Homeowners Insurance Quotes
Company Co, Inc. do with the information collected about you?
Information that has been collected
about you may be retained in both Online Homeowners Insurance Quotes
Company Co, Inc.'s records and in your
agent’s files. Online Homeowners Insurance Quotes
Company Co, Inc. reviews it in evaluating your request for
insurance coverage and in determining your rates. We will
also refer to and use information in our policy records for
purposes related to issuing and servicing insurance policies
and settling claims. Online Homeowners Insurance Quotes
Company Co, Inc. may use information about you in our
files for insurance marketing purposes or to help you with
your overall insurance programs.
We may retain information
about our former customers and would only disclose that information
to affiliates and non-affiliates as described in this notice.
To whom
do we disclose information about you?
Online Homeowners Insurance Quotes
Company Co, Inc. usually will not disclose
information about you to others unless the disclosure is necessary
to conduct our business.
We do not disclose
any non-public personal information about our customers or
former customers, except as permitted by law. That may mean
that we could make disclosures to the following types of third
parties without your consent:
- Our affiliated companies;
- Your agent or broker;
- Parties who perform a business,
professional or insurance function for our company, including
our reinsurance companies;
- Independent claims adjusters,
appraiser, investigators and attorneys who need the information
to investigate, defend or settle a claim involving you;
- Businesses that help us
with data processing or marketing;
- Business that conduct scientific
research including actuarial or underwriting studies;
- Other insurance companies,
agents or consumer reporting agencies as reasonably necessary
in connection with any application, policy or claim involving
you;
- Insurance support organizations
which are established to collect information for the purpose
of detecting and preventing insurance crimes of fraudulent
claims;
- Medical care institutions
or medical professionals to verity coverage or conduct
an audit of services;
- Insurance regulatory agencies
in connection with the regulation of our business;
- Law enforcement or other
governmental authorities to protect our legal interests
or in cases of suspected fraud or illegal activities;
- Authorized persons as ordered
by a subpoena, warrant or other court order or as required
by law;
- Certificate holders or policyholders
for the purpose of providing information regarding the
status of an insurance transaction; or
- Lienholders, mortgagees,
lessors or other persons shown on our records as having
a legal or beneficial interest in your policy;
- Companies that perform marketing
services on our behalf or to other financial institutions
with whom we have joint marketing agreements.
How can
you find out about information Online Homeowners Insurance Quotes
Company Co, Inc. has about you?
You have the right to know what
kind of information Online Homeowners Insurance Quotes
Company Co, Inc. keeps in our files about you, to have
reasonable access to it and to receive a copy. Contact us
as described at the end of this notice if you have questions
about what information we may have on file. Tell us what information
you would like to receive. Provide your complete name, address,
date of birth, type of policy held or applied for and all
policy numbers issued to you by us. Certain types of information
generally collected when evaluating claims or possible lawsuits,
need not be disclosed to you.
Within thirty business
days of receipt of your request, we will inform you in writing
of the nature and substance of locatable, retrievable and
available recorded personal information about you in our files.
You may review this information in person or receive a copy
at a reasonable charge. We will also identify the person or
organizations to whom we have disclosed this information within
the past two (2) years. In addition, you will be given the
name and address of any consumer credit agency that may have
prepared a report about you so that you can contact them for
a copy of that report if you wish.
After you have reviewed
the personal information about you in our file, you can contact
Online Homeowners Insurance Quotes
Company Co, Inc. if you believe it should be corrected, amended or deleted.
Tell us what you think is wrong and why. Online Homeowners Insurance Quotes
Company Co, Inc. will consider
your request and within thirty business days either change
our files or tell you that we did not and the reason. If we
do not make changes, you will have the right to insert in
our file a concise statement containing what you believe to
be the correct, relevant, or fair information and explaining
why you believe the information on file to be improper. We
will notify persons designated by you to whom we have previously
disclosed the information of the change of your statement.
Subsequent disclosures we make also will include your statement.
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