As a current customer of Community Insurance Agency, LLC, hereafter referred to as CIA, we would like to take this opportunity to both thank you for your business and to share with you the importance our agency places upon protecting the privacy of information we gather from you in accordance with applicable state and federal laws.
II. Information we collect and the means used to collect:
CIA collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. CIA collects this necessary information from the following sources:
* Information we receive from you on applications or other forms. This information may include, but is not limited to, your name, address, and date of birth.
* Information about our client’s transactions with us, this information may include, but is not limited to claims and payment history.
* Information we receive from consumer-reporting agency. This information may include, but is not limited to, a driving record or insurance score report.
To collect customer information from the above-stated sources, CIA may use the following means of communication to gather information: Written, in-person, telephone/Facsimile (please see our Do-Not-Call/Fax policy below), electronically (please see our commercial email policy), and online.
III. How we share client information with non-affiliated third parties:
We share information about our customers with non-affiliated third parties only as permitted or required by law. For example, CIA may share client information with non-affiliated third parties for, including but not limited to, the following reasons:
* Information that is necessary to service or process the insurance needs of our clients, in a manner that is consistent with the usual and customary services provided by independent insurance agents. Such usual and customary services or processes provided by CIA to its customers include but are not limited to underwriting, shopping the renewal, rating, placement, and providing quotes for insurance that is germane to the coverage the customer places with our agency.
* Information that is necessary to protect the confidentiality or security of our client’s records.
* Information that is necessary to resolve client disputes or inquires.
* Information that is required by individuals or entities who are assessing our legal compliance.
* Information that is required for CIA to comply with the law.
* To an actuarial or research organization for the purpose of conducting actuarial or research studies.
* Information that is necessary to protect against or prevent fraud, unauthorized transaction, claims, or other liability.
IV. How we share client information with affiliated parties.
We are a wholly owned business and do not have any affiliates with whom we share client information.
V. Our practices regarding information, confidentiality, and security:
We maintain physical, electronic, and procedural safeguards to guard your information. These safeguards include but are not limited to the following:
* We restrict access to nonpublic personal information about our clients and former clients to those employees who need to know that information in order to assist in providing services or products to the customer.
* We will punish any employees who impermissibly share client information.
* We use a secure internet and e-mail provider to protect the confidentiality of electronic communications.
VI. Do Not Call/Fax Policy:
To comply with state and Federal regulations regarding telephone and facsimile solicitations, CIA has adopted and adheres to the following policy:
* CIA’s telephone number or the number that is answered during normal business hours will be transmitted to caller identification systems.
* CIA maintains a company specific do-not-call list and removes all numbers appearing on it from its call list for 5 years.
* CIA only calls those individuals with whom it has an existing business relationship and to provide those services usual and customary of an independent agent. However, if our agency deviates from this practice and calls an individual(s) with whom we do not have an existing business relationship, then CIA will access the North Carolina and Federal Do-Not-Call List and remove all numbers appearing on it from CIA call list.
* CIA will send no unsolicited commercial advertisements via fax unless it has first received prior express consent.
* CIA has trained its employees engaged in telephone marketing to follow these policies and procedures and requires employees to follow them at all times. CIA will discipline employees who fail to abide by these procedures.
VII. Electronic Communication Policy:
To comply with the state and federal regulations regarding commercial electronic mail messages, CIA has adopted and adheres to the following policies:
* CIA’s email messages will have accurate header information.
* Unless you have signed a communications consent form, CIA’s commercial email messages will clearly indicate that the message is an advertisement or solicitation.
* CIA’s commercial email messages will contain a valid physical postal address.
* Unless you have signed a communications consent form, CIA’s commercial email messages will include a functioning return email address that you may use to request not to receive future commercial email from CIA.