Insurance Specialties Services, Inc.
As provided by law, we are generally prohibited 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. Accordingly, we are providing you with this document, which notifies you of the privacy policies and practices of the Insurance Specialties Services, Inc. (ISSI).
Furthermore, we wish to inform you that we do not share your personal information with any non-affiliated third parties for any purpose that is not specifically authorized by law unless we obtain your affirmative permission.
OUR PRIVACY POLICIES AND PRACTICES
1. Information we collect:
A. Categories of Information Collected and Sources From Which We Collect It
· Information we receive from you on applications or other forms you submit to us, from your dealings with us, and from our website.
· Information about your transactions with us, our affiliates or others.
· Information we receive from consumer reporting agencies.
· Information we receive from medical records or medical professionals.
B. Persons From Whom Information is Collected
C. Information From Credit Reports or Investigative Consumer Reports
If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we request such information, you should be aware that:
2. Information we may disclose to third parties:
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:
In addition to those circumstances listed above, and unless you direct us not to by completing an Opt Out Form, we may disclose certain information about you to third parties whose only use of the information will be for the purpose of marketing a product or service. Under no circumstances will we disclose for marketing purposes:
(1) any medical information;
3. 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 two (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 in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:
To obtain access to your information: You should submit a request in writing to the ISSI Privacy Office, 2370 York Road - Suite D4, Jamison, Pennsylvania 18929. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.
To correct, amend, or delete any of your information: You should submit a request in writing to ISSI Privacy Office, 2370 York Road - Suite D4, Jamison, Pennsylvania 18929. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.
4. Our practices regarding information confidentiality and security:
ISSI respects the privacy of the individuals and businesses accessing/using (Users) its website (Website). ISSI collects limited information about Users who visit areas of ISSIs Website accessible to the public (Public Areas) of the Website. This information is automatically collected on an aggregate basis (Aggregate Information) to measure traffic on the Website. Aggregate Information is collected through the use of a cookie or small text file placed on the Users hard drive by the Users Internet browser. The cookie allows ISSI to track the number of hits or visits to various pages on the Website. When ISSIs Website is accessed through a hyperlink on another website, the cookie will identify and track the Internet Protocol address (IP) that linked the User to the Website. If the User did not hyperlink to ISSIs Website from the most recently visited IP, then ISSI will only identify the Users Internet Service Provider (e.g., aol.com, yahoo.com, etc.). The cookie is used only during a single connection to the Website and is not used to track User activity after leaving the Website. It is permanently disabled when the User exits the Website, and information about individual Users is not collected, saved or distributed to others by ISSI. Aggregate information and other information gathered through voluntary User surveys and forms assists ISSI to better understand Users needs and improve the Website, and to enable ISSI to demonstrate to vendors and others information about the volume and nature of its Website traffic.
ISSI reserves the right to change this Policy at any time by posting changes to this page.
Copyright © 2006 InsuranceSpecialties Services, Inc., All Rights Reserved