PURPOSE OF THIS NOTICE

 

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:

Name	Employment	Miles driven
Address	Gender	Vehicle use
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