OUR
CUSTOMER PRIVACY POLICY
We
value our customers. We know you are
concerned with the privacy of information
that is provided to us in order to cover
your personal insurance needs. It is
essential, however, that from time to
time we disclose some information to
outside parties in order to process
or service your account. This Privacy
Notice provides information on the types
of information we gather in the processing
of your policies and also explains the
types of disclosures that might be made.
Please
read this notice carefully to understand
the types of information we collect
and disclose, and the steps we take
to protect that information.
INFORMATION
COLLECTION PRACTICES
We
collect nonpublic personal financial
information about you from the following
sources:
 Information we receive from you
on applications or other forms, or verbally.
This includes information you provide
in writing, over the telephone, over
the internet, in person, or by any other
means.
Information about your transactions
with us. This might include such things
as your loss history, payment history,
or account balances.
Information we receive through insurance
company websites. This might include
information on prior insurance claims
or on creditworthiness.
Information we secure from inspection
vendors. This might include information
from a property inspection service,
a vendor who calls you directly in order
to update policy information for renewal
policies, or a geographic mapping service.
We
also secure information from public
records. This might include such information
as telephone number or motor vehicle
records. |
|
INFORMATION
DISCLOSURE PRACTICES
We
do not disclose any nonpublic personal
financial information about our customers
or former customers to anyone, except
as permitted or required by law.
We will not disclose information to
other companies who may want to sell
their products or services to you. As an example, we will not sell your
name or information to a direct marketing
or telemarketing company. Some
examples of when we might disclose information,
as permitted by law, are:
Information
may be provided with your consent or
at your direction. For example, you
might request that we provide your policy
or payment information to a mortgagee
or loss payee so that you may secure
a loan.
Information must be provided when subpoenaed
or required by a court of law or by
other regulatory or law enforcement
agencies. We may have to report information
to comply with state, federal, or local
laws.
Information may be provided to someone
you have designated with a legal or
beneficial interest, or who is acting
in a fiduciary or representative capacity
on your behalf.
Information
may be provided to fraud prevention
personnel or agencies.
Information may be provided to a service
vendor in order to process your policy
or service your account.
INFORMATION
PROTECTION
We
restrict access to your nonpublic financial
information. Only Oyster Bay Insurance
employees and providers who need to
know your information in order to provide
you with products or services have access
to your information. We maintain physical,
electronic, and procedural safeguards
that comply with federal and state regulations
to protect your nonpublic personal financial
information. |
