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Privacy Policy Notice
(as of June 15, 2001)
PURPOSE OF THIS NOTICE
Title V of the Gramm-Leach-Bliley Act
(GLBA) and the laws of the State of Massachusetts, generally
prohibit us 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. In compliance
with the GLBA and the laws of this State, we are providing you
with this document, which notifies you of the privacy policies
and practices of the W.C. Huntress Insurance Agency Inc. (Huntress
Insurance).
OUR PRIVACY POLICIES AND PRACTICES
1. Information we collect:
There are various categories of information
collected and sources from which we collect it. We collect nonpublic
personal information about you from:
Information we receive from you on applications or other forms.
Information about your transactions
with us, our affiliates or others.
The other Information we receive from
a consumer reporting agency.
2. 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 without 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 reporting agency 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 either this agency or the entity
to whom we disclose the information to perform a function in
connection with an insurance transaction involving you;
To a medical care institution or medical
professional in 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;
3. Notification That Certain Disclosures Require Your Authorization:
As we have indicated in this Privacy
Policy Notice, we collect certain personal information about
you, and we may disclose that information to certain non-affiliated
third parties. We are permitted by law to disclose your personal
information in the circumstances described in paragraph 2 without
your permission. FOR ALL OTHER DISCLOSURES, WE ARE REQUIRED TO
OBTAIN YOUR AUTHORIZATION.
4. Affiliates with whom we share
certain information protected by the Fair Credit Reporting Act,
unless you tell us not to:
Unless you tell us not to, we may share
with our affiliated companies information about you, including:
Information we obtain from your insurance application, such as
your income or your marital status;
Information we obtain from a person
regarding its employment, credit, or other relationship with
you, such as your employment history.
5. 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
includes the right to know the source of the information and
the identity of the persons, institutions or types of institutions
to whom we have disclosed such information within 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 to your information:
You should submit a request in writing to Huntress Insurance,
6 Eastman Place, Melrose, MA 02176. 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 or the copies
that you have requested.
To correct, amend, or delete any of
your information: You should submit a request in writing to Huntress
Insurance, 6 Eastman Place, Melrose, MA 02176. The request should
include your name, address, social security number, telephone
number, the specific information in dispute, and the identity
of document or record that contains the disputed information.
Upon receipt of your request, we will contact you within 30 business
days to notify you either that we have made the correction, amendment
or deletion, or that we refuse to do so and the reasons for the
refusal, which you will have an opportunity to challenge.
6. Our practices regarding information
confidentiality and security:
We restrict access to nonpublic personal
information about you to those employees who need to know that
information in order to provide products or services to you.
We maintain physical, electronic, and procedural safeguards that
comply with federal regulations to guard your nonpublic personal
information.
7. Our policy regarding dispute resolution:
Any controversy or claim arising out
of or relating to our privacy policy, or the breach thereof,
shall be settled by arbitration in accordance with the rules
of the American Arbitration Association, and judgment upon the
award rendered by the arbitrator(s) may be entered in any court
having jurisdiction thereof.
8. Reservation of the right to disclose
information in unforeseen circumstances:
In connection with the potential sale
or transfer of its interests, W.C. Huntress Insurance Agency
Inc. and its affiliates [if any] reserves the right to sell or
transfer your information (including but not limited to your
address, name, age, sex, zip code, state and country of residency
and other information that you provide through other communications)
to a third party entity that
(1) concentrates its business in a similar
practice or service; (2) agrees to be W.C. Huntress Insurance
Agency Inc.'s successor in interest with regard to the maintenance
and protection of the information collected; and (3) agrees to
the obligations of this privacy statement.
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