Purpose of This Notice
Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of California generally prohibit us from sharing non-public personal information about you with a third party unless we provide you with 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 GLBA and California law, we are providing you with this document, which notifies you of the privacy policies and practices of Interstate Benefits & Casualty Co., Inc.
Our Privacy Policies and Practices
Information we collect:
We obtain most of our information directly from you. Depending on the nature of your insurance transaction, we may need additional information about you or other indiciduals proposed for insurance. We collect non-public personal information about you from the following sources:
Information you provide us on applications or forms
Claims, billing, payment history and other transaction information we receive from you, our affiliates and others
Information we receive from other agents, brokers, administrators, investigators, insurance support agencies, legal counsel, consumer reporting agencies and government reporting agencies
Information We May Disclose To Affiliates And Third Parties:
We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law. We may disclose non-public personal information about you to the following affiliates and unaffiliated third partied to effect, administrator, or enforce your insurance transaction:
- Claims administrators
- Other insurance companies that might write your policies on renewal
- Appraisers, inspectors and other insurance support services
- Consumer reporting agencies
- Governmental agencies when required to do so
- Third parties to market products or services to you under a joint marketing agreement
- An affiliate or third party for the purpose of conduction an audit of the insurance institution or agent in connection with the operations or service provided
- To a lien holder, mortgagee, assignee or other person having a legal or beneficial interest in the policy of insurance
- To a person or agency lawfully entitled pursuant to a subpoena or court order
Our Practices Regarding Information Confidentiality and Security:We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.
Access to and Correction of Your Information:
You may write to us if you have any questions about the information that we may have in your records about you. If you wish, you may inspect this information in person or receive a copy at a reasonable charge by sending us a written request. You can notify us in writing if you believe any information should be corrected, amended, or deleted and we will review your request. We will either make the requested change or explain why we did not do so. If we do not make the requested change, you may submit a short written statement identifying the disputed information, which will be included in all future disclosures of your information. You may send your written request to us at: Interstate Benefits & Casualty Co., Ind. , PO Box 984 , Grass Valley , CA 95945 . All written requests must include your name, address, telephone number, policy number and a photocopy of a picture ID for identification purposes.