Title V of the Gramm-leach-Bliley Act (GLBA) and the laws of the State of California 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 California law, we are providing you with this document, which notifies you of the privacy policies and practices of Big Savings Insurance Agency, Inc.
At Big Savings Insurance Agency, Inc. we value you as a customer and share your concern about privacy. To help you understand how we treat the nonpublic personal information (“customer information”) that we obtain from you or other sources in the course of providing you with product and services, this notice describes our use and protection of that information.
Information We Collect
Our company needs information in order to issue you a policy and service a policy. The information that we need is not generally available to the public. We collect this information in a number of ways:
Information that you give us.
When you apply for a policy we record the information that you give us. We do the same thing when you request a policy change. This information includes:
|Telephone number||Marital status||Other drivers|
|Driver’s license number||Prior insurance history||Driving history|
|Social security number||Home ownership|
|Date of birth||Vehicle descriptions|
HOW WE USE AND DISCLOSE PERSONAL INFORMATION
In order for us to obtain, or to service, the insurance products that you ask for from us, we may disclose your personal information to affiliated and nonaffiliated companies. However, we do not sell personal information or customer lists to anyone for marketing. We only disclose information about you as allowed or required by law. In those instances, we may disclose personal information without your prior consent.
Information we may disclose to third parties:
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:
A. To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
B. 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.
C. 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.
D. 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.
E. 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, or if we believe that you have conducted illegal activities.
F. To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
G. Financial companies, such as life, automobile, and property insurers, mortgage bankers, securities broker-dealers, and insurance agents or brokers
H. Service providers that help process or service your account;
I. Medical-care facilities or providers, to verify coverage and benefits;
J. A court, governmental or regulatory agency when there is a lawful request;
K. Law enforcement to protect against fraud or unauthorized transactions;
L. A group policyholder for purposes of reporting claims experience
IMPORTANT PRIVACY CHOICES
When your policy comes up for renewal, we may share your information with other insurance companies to obtain competing quotes and provide you with better coverage or pricing. If you don’t want us to share your information with other insurance companies to obtain competing quotes for better coverage or pricing when your policy renews, you may tell us so. By “opting out”, you instruct us to not share your information with other insurance companies for this purpose. If you wish to opt-out, call us at (916) 830-9200 (or complete and return the enclosed form to us in the self-addressed, postage-paid envelope). We may share your information if we do not hear from you within 30 days. However, you may opt-out at any time. Just call or write us. Even if you opt-out, we may still share your information as allowed by law.
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 that is in our possession. You can either call (916) 830-9200 or mail in request to P. O. Box 601928, Sacramento, CA 95860.
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 in order 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.
OUR POLICY REGARDING DISPUTE RESOLUTION:
RIGHT TO OPT OUT
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties or disclose to affiliates the Restricted Credit Information, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (Even if you opt-out, we may disclose information as allowed by law. If you wish to opt out of disclosures to nonaffiliated third parties, you may do so by calling us at (916) 830-9200.