Copyright © 2010 by Charles H. Cahill Insurance Agency.
Last Updated: Thursday, July 1, 2010
Privacy Statement
Charles H. Cahill Insurance Agency, Inc.
P.O. Box
321, Duxbury, MA 02331
Phone - (781)
837-2300
PRIVACY POLICY NOTICE AS
OF JULY 1, 2009
TO OUR CUSTOMERS:
CHARLES H. CAHILL INSURANCE AGENCY values you as a customer and we
strongly believe in protecting the confidentiality and security of
information we collect about you. This notice describes our privacy
policy and explains the categories of nonpublic personal information we
collect, how and why we use this information and the policies and
procedures we have in place to protect your privacy. Except for those
situations allowed by law, we do not disclose any nonpublic personal
information about our customers to anyone.
TYPES AND SOURCES OF INFORMATION WE COLLECT ABOUT YOU
We collect information about you, including nonpublic personal
information, from the following sources:
(1) Information we receive from you on your application for insurance,
as well as other forms related to your insurance with us;
(2) Information about your transactions with us, our affiliates or
others which may include your payment and payment history, claims
history and investigation files, and policy coverages and limits;
(3) Information from our insurance companies and other insurance
companies;
(4) Information we receive from consumer reporting agencies;
(5) Information we receive from governmental agencies or independent
reporting agencies, which may include motor vehicle reports, claims
reports and property inspections; and,
(6) Information we receive from medical records or medical
professionals;
OUR USE OF THE INFORMATION WE COLLECT ABOUT YOU
We use the information we collect about you, including the nonpublic
personal information, only for purposes of effecting, administering,
enforcing and servicing your insurance with us. We do not disclose any
nonpublic personal information about you to any affiliated or
non-affiliated third parties, except as provided by law. We may provide
information about you to insurance companies, glass companies, body
shops, Registry of Motor Vehicle, claims service companies, appraisers,
adjusters, businesses that provide underwriting support.
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:
(7) To a third party if the disclosure will enable that party to perform
a business, professional or insurance function for us;
(8) 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;
(9) 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;
(10) 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;
(11) To an 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:
(12) To a group policyholder for the purpose of reporting claims
experience or conducting an audit of our operations or services;
(13) To an actuarial or research organization for the purpose of
conducting actuarial or research studies;
In addition to those circumstances listed above, and unless you tell us
not to, we may disclose certain information about you to third parties
whose only use of the information will be for purposes of marketing a
product or service. Under no circumstances will we disclose for
marketing purposes any medical information; information relating to a
claim for benefit or, a civil or criminal proceeding involving you; or
personal information relating to your character, personal habits, mode
of living or general reputation.
ACCESS TO YOUR INFORMATION
You have the right to obtain certain items of information we have
collected about you, and to request correction of information if you
feel it is inaccurate. If we agree, we will correct our records
accordingly. If we do not agree, we will communicate this to you. You
should submit your written request to us at the address shown above.
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 procedural
safeguards that comply with federal regulations to guard your nonpublic
personal information.
OUR POLICY REGARDING DISPUTE RESOLUTION:
Any controversy or claim arising out of or relating to our privacy
policy, or the breach thereof, shall be settled by arbitration in
accordance with the rules of the American Arbitration Association, and
judgment upon the award rendered by the arbitrator(s) may be entered in
any court having jurisdiction thereof.
RESERVATION OF THE RIGHT TO DISCLOSE INFORMATION IN UNFORSEEN
CIRCUMSTANCES:
In connection with the potential sale or transfer of its interests,
CHARLES H. CAHILL INSURANCE AGENCY and its affiliates reserves the right
to sell or transfer your information (including but not limited to your
address, name, age, sex, zip code, state and country of residency and
other information that you provide through other communications) to a
third party entity that:
(1) concentrates its business in a similar practice or service; (2)
agrees to be CHARLES H. CAHILL INSURANCE AGENCY’S successor in interest
with regard to the maintenance and protection of the information
collected; and (3) agrees to the obligations of this privacy statement.
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