The nature of our insurance business at buyumbrellapolicy.com 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 inspection 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 AAIC’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 buyumbrellapolicy.com 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 to those employees who have a business reason to know that information to provide products and services. We also 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 about buyumbrellapolicy.com’s customers and consumers to others, including our affiliates (i.e. companies that are related to us by common ownership or control), in order to offer insurance products or services that may be of value.
We may also disclose nonpublic personal information without prior permission to nonaffiliated third parties (i.e., persons or companies that are not related to us by common ownership or control) as necessary to effect, process, administer or enforce a requested or authorized transaction, or for other purposes as permitted by law.
When we provide nonpublic personal information to a nonaffiliated third party who performs services for us, we require that provider to agree to safeguard any nonpublic personal information, to use the information only for the intended purpose, and to abide by applicable law.
Confidentiality of Health and Medical Information
It is often necessary for us to obtain personal health information in order to underwrite and process claims for various types of insurance coverage’s. 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 strict 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.