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Privacy Policy
Dear Valued Client:
The nature of
our business at A. M. Skier Agency, Inc. (?A.M. Skier?) requires that
we gather and maintain a variety of information about our current and
potential customers and consumers, including nonpublic personal
information about individuals. We are committed to keeping confidential
and secure any such nonpublic personal information. We will disclose
nonpublic personal information obtained in the course of our business
only as permitted by law.
CATEGORIES OF PERSONAL INFORMATION WE MAY OBTAIN
We may obtain nonpublic personal information from the following sources:
Applications or other underwriting forms.
These forms provide us with information we need as part of the
underwriting process; this can include such nonpublic personal
information as individuals' names, addresses, social security numbers
and any other information about individuals that we are authorized to
obtain in order to underwrite and administer policies and claims.
Information we obtain from third parties.
The kind of information we may gather from third parties depends on the
type of insurance policy or coverage, but may include such nonpublic
personal information as motor vehicle reports, claims reports, credit
reports, property reports and medical records or reports.
Information about transactions and experiences with us or with our affiliates.
We develop and maintain individuals' personal information such as
policy numbers, premium, payments and claims history, obtained on the
basis of A. M. Skier's or its affiliates transactions and experiences.
HOW WE MAY USE AND SHARE PERSONAL INFORMATION
We may use and share all of the information that we obtain as described below:
Within A.M. Skier
Within A.M. Skier we only use nonpublic personal information received
to service or maintain policies, to effect, process, administer or
enforce requested or authorized transactions, or for other purposes as
permitted by law. We restrict access to nonpublic personal information
about you to those individuals such as our employees or agents, who
provide you with our products and services. We maintain physical,
electronic and procedural safeguards in order to protect against
unauthorized use or disclosure of nonpublic personal information.
With Affiliates and Non-Affiliated Third Parties
We
may disclose information without prior permission about A. M. Skier's
customers and consumers to our affiliates (i.e., companies that are
related to us by common ownership or control), or to nonaffiliated
third parties (i.e., persons or companies that are not related to us by
common ownership or control) only as necessary to effect, process,
administer or enforce a requested or authorized transaction, or for
other purposes as permitted by law.
CONFIDENTIALITY OF HEALTH AND MEDICAL INFORMATION
It
may be necessary for us to obtain personal health information in order
to underwrite and process claims for various types of insurance
coverages. We recognize concerns about the security of that information
and want to provide assurance that any personal health data provided to
us or that we otherwise obtain will be held in strictest confidence. We
will not disclose or share personal medical information for marketing
or any other unauthorized purpose. We may disclose or share personal
medical information as permitted by law; for example, in order to
underwrite policies or administer policies or claims.
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