Joseph S. Hills Agency, Inc.
As of June, 2003
PURPOSE OF THIS NOTICE
Title V of the Gramm-Leach Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of The Joseph S. Hills Insurance, Inc.
The GLBA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for any purpose that is not specifically authorized by law. Your right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for a purpose that is not specifically authorized by law is called your right to "opt out" of such information sharing.
OUR PRIVACY POLICIES AND PRACTICES
1. Information we collect:
We collect nonpublic personal information about you from the following sources:
· Information we receive from you on applications or other forms.
· Information about your transactions with us, our affiliates or others.
· Information we receive from a consumer reporting agency.
· Information we receive from a medical information bureau.
2. Information we may disclose to third parties:
We may disclose all of the information we collect, as described above, about our customers or former customers, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We also may disclose information about our customers or former customers as permitted by law.
Joseph S. Hills Agency, Inc.
As of June, 2003
3. Non-affiliated third parties to whom disclosures may be made:
A. Non-affiliated Third Parties To Whom Disclosures May be Made
We may disclose nonpublic personal information about you, such as we
have described above, to the following types of third parties that perform
marketing services on our behalf or with whom we have joint marketing
· Fulfillment services providers, such as envelope stuffing services, billing and enrollment services.
· Other insurance agencies or companies that perform services for us is connection with carrying out an insurance transaction involving you or your policy.
· Financial institutions with whom we have joint marketing agreements, such as insurance providers.
· Other types of financial institutions such as premium finance companies.
B. Notification of Your Right To Opt Out of Certain Disclosures
You may wish to opt out of such disclosures to non-affiliated third parties. The Opt Out Form will be provided upon request.
4. Our Practices regarding information confidentiality and security:
We restrict access to nonpublic 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 organizational safeguards to protect information about you.
At The Joseph S. Hills Agency, Inc., we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at THE JOSEPH S. HILLS AGENCY, INC., we will ask you to provide your name, home address, mailing address, telephone number, and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of THE JOSEPH S. HILLS AGENCY, INC., so we can provide you with policyholder service. The employees of THE JOSEPH S. HILLS AGENCY, INC., are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.
When you purchase an insurance policy from THE JOSEPH S. HILLS AGENCY, INC., you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information will not be stored electronically in our database. The credit card information will be provided to your insurance company for processing. If you pay the premium using your personal check, we may keep a copy of your check in your file.
When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.
A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this Web site. We may utilize a short-lived form of cookie when you visit this site. At THE JOSEPH S. HILLS AGENCY, INC., a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our Web site for more than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.