GorcZyca Insurance Agency

NOTICE OF INSURANCE INFORMATION PRACTICES

Your Privacy is Our Concern

When you apply for any type of insurance you disclose a certain amount of information about yourself to us.  Law regulates the collection, use and disclosure of such information.  In addition, the GorcZyca Insurance Agency (GIA) recognizes the confidentiality expectations of our applicants and policyholders. 

Therefore, it is the policy of the GIA and its employees to:

·         Collect only information necessary or relevant to our business.

·         Make a reasonable effort that information we act upon is accurate, relevant, timely and complete.

·         Use only legitimate means to collect information.

·         Make non-public personal financial information available externally only to respond to legitimate business needs, to regulatory or other government authorities or as otherwise permitted by law.

We are providing you with the following summary of the kinds of information that we collect, what is done with the information after it is collected, and how you can find out about information, if any, we have about you in our records.

What kind of information do we collect about you and from whom?

The GIA gets most of our information directly from you.  Our insurance surveys and 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, mail, or email to obtain additional information.  Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage from outside sources, such as motor vehicle records, loss information reports, credit reports or other public records.  For property insurance, we may inspect your property and verify information about its value and condition.  A photo of any property to be insured may be taken.

We also might obtain information from third parties, such as other insurance companies or consumer reporting agencies.  A consumer report from such an agency may contain information as to credit worthiness, credit standing, credit capacity, character, general reputation, hobbies, occupation, personal characteristics or mode of living.  The consumer reporting agency preparing a consumer report for us may keep the information collected about you as permitted by law. 

What do we do with the information collected about you?

Information that has been collected about you may be maintained in either company records or our files.  We may review it in evaluating your request for insurance coverage and in determining your rates.  We may also refer to and use information in our policy records for purposes related to insuring and servicing insurance policies and settling claims.  If coverage is declined, or if the charge for coverage is increased because of information contained in a consumer report we obtained, we will tell you as required by state law and the federal Fair Credit Reporting Act.  We also give you the name and address of the consumer-reporting agency making the report.

Should you cease to be one of our policyholders, or after your claim is settled, it is our policy to archive your information for a minimum period of three (3) years.

To whom do we disclose information about you?

We will not disclose information about you without your consent unless the disclosure is necessary to conduct our business.  By law, we can share information about you without prior permission under certain circumstances to certain people and organizations.  For example:

·         Our affiliated insurance companies.

·         Parties that perform a business, professional or insurance function for the company.

·         Independent claims adjusters, appraisers, investigators, and attorneys in order to investigate, defend or settle a claim involving you.

·         Other insurance companies, agents, or consumer reporting agencies in connection with any application, policy, or claim involving you.

·         Insurance support organizations that are established to collect information for the purpose of detecting and preventing insurance crimes or fraudulent claims.

·         Medical care institutions or medical professionals to verify coverage or claims-related services.

·         Insurance regulatory agencies in connection with the regulation of our business.

·         Law enforcement or other governmental authorities to protect our legal interest 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 for providing information regarding the status of your insurance.

·         Lienholders, mortgagees, lessors, or other persons shown on our records as having a legal or beneficial interest in your policy.

We do not otherwise give information about you to people or organizations that would use the information to contact you about their own products or services.

How do we protect the confidentiality of information about you?

The GIA maintains security standards and procedures to prevent unauthorized access to your information.  Our employees are educated so that they understand the importance of confidentiality of personal information and in acting appropriately to enforce privacy responsibilities.  Should you cease being a customer, we will continue to protect your personal information in this same manner.

How can you find out about information we have about you?

You have a right to know what kind of information we keep about you in our files, and you have a right to have reasonable access to the information.  We may not be able to disclose to you certain types of information collected when evaluating claims or possible lawsuits.  If appropriate, we will give you the name and address of any consumer-reporting agency that prepared a report about you, so that you can contact them for a copy.  If you believe the personal information we have in our records is incomplete or inaccurate, you may request that we make any necessary corrections to the disputed information.

We thank you for choosing the GIA for your insurance needs.  We strive to preserve the confidentiality and security of your private information.  Please call if you have any questions, because your privacy, our professional ethics, and the ability to provide you with quality insurance services are very important to us.

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