Privacy Notice
PURPOSE OF THIS NOTICE
In compliance with the Gramm-Leach-Bliley Act (GLBA) and California law, we are providing you with this document, which notifies you of the privacy policies and practices of Fallick & Welsh Insurance Services, Inc. Our Company recognizes that the foundation of our business is the trust and confidence of our policyholders. In order to provide you the most effective and beneficial service, we must maintain information about you. Keeping policyholder information secure and private is important to us. This notice is provided to you so that you may know how we collect information about you, the type of information we collect, what we may disclose to our affiliates and nonaffiliated third parties, and the steps we take to protect your personal information.
WHAT WE COLLECT
First, we must collect a certain amount of your personal information in order to provide your insurance, customer service, offer new products or services, evaluate benefits and claims, administer our products, and fulfill legal and regulatory requirements. Therefore, we must obtain certain nonpublic personal information about you. This information includes:
- Information that you provide us on applications and other forms, such as your name, address, date of birth, Social Security number, gender, marital status, occupation(s), employer(s) and financial information.
- Information about your transactions with us from the insurance companies we contact to underwrite your insurance such as your relationship with us, products or services purchased, policy values, payment history and claims history.
- Information we receive from consumer reporting agencies such as motor vehicle reports, credit histories, inspection reports, and loss histories.
- Information contained in medical records or from medical professionals that is related to insurance claims.
- Information we receive from your professional representatives such as attorneys, accountants and other financial service providers.
WHAT WE SHARE
We do not disclose information about you to third parties whose only use of the information is to market a product or service. However, 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 below:
- 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 for either this agency or the entity to which 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 the California Department of Insurance or other insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud.
- To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or service.
SECURITY MEASURES
Our practices regarding information confidentiality and security with respect to the information we collect about you:
- We collect and use the information to the extent needed to conduct our business and to meet high quality service standards.
- We restrict access to the information to authorized individuals who need to know this information to provide service and products to you.
- We maintain physical, electronic, and procedural safeguards that protect your information.
- We will verify that any persons requesting information about you or your relationship with us is entitled to such information prior to providing it.
- We share non-public personal information about you outside our company only to service your request, or as authorized by you, or as required or permitted by applicable law.
- We require any organization that provides assistance to us in administering or reinsuring our contracts or providing services on our behalf to you to maintain the confidentiality of your non-public personal information and not to use such information for any other purpose.
RIGHT TO DISCLOSE INFORMATION IN UNFORESEEN CIRCUMSTANCES
In connection with the potential sale or transfer of its interests, Fallick & Welsh Insurance Services, Inc., and its affiliates (if any), reserve the right to sell or transfer your information (including but not limited to your name, address, age, sex, zip code, state and country of residency, and other information that you provide through other communications) to a third party entity that concentrates its business in a similar practice, product or service; agrees to be Fallick & Welsh Insurance Inc’s successor in interest with regard to the maintenance and protection of the information collected; and agrees to the obligations of this privacy statement.
YOUR RIGHT TO ACCESS 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 two years prior to your request. Your right includes the right to view such information and obtain a copy of it. Your right also includes the right to request corrections, amendments or deletions of any information that is in our possession by contacting us at the following address:
Fallick & Welsh Insurance Services, Inc.
Attention:
Privacy
132 Belgian Drive
Danville, CA 94526
PRIOR CUSTOMERS
If you cease to be our customer, our Privacy Policy, as amended from time to time, will continue to apply to the extent that we retain information about you that we collected while you were our customer.
ADDITIONAL INFORMATION
If we change our privacy practices, we will provide you notice of all material changes. This privacy notice supercedes all previous notices with respect to matters described herein.
No action is required by you. You do not need to do anything as a result of this notice. It is meant to inform you of how we safeguard your nonpublic personal information. You may wish to file this notice with your insurance papers.
Your trust and confidence is important to us and we strive to maintain your continued trust.
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.
CONTACT PERSON FOR FILING COMPLAINT OR OBTAINING FURTHER INFORMATION
Bob Welsh, President
Fallick & Welsh Insurance Services, Inc.
(925) 470-6897
info@fallickwelsh.com