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Circadian Insurance Brokers
Privacy Policy Notice
PURPOSE OF THIS NOTICE
At Circadian Insurance Brokers, we understand your
concerns about privacy. We hope this notice, which describes our use and
protection of nonpublic personal information ("customer information"),
will help you understand how we treat the customer information we obtain
from you or other sources in the course of providing you with our
insurance products and additional services.
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.
Whether you’re doing
business with us through an agent, broker, or our Web site, we want you to
know that Circadian Insurance Brokers respects your privacy and protects your information.
- We do not sell your
customer information.
- We do not share, loan or
give customer information to persons, companies, or organizations
outside of Circadian Insurance Brokers that would use that information to contact you about
their own products and services.
- We expect persons or
organizations that provide services on our behalf to keep customer
information confidential and to use it only to provide the services
we’ve asked them to perform.
- Within Circadian Insurance Brokers, we
communicate regarding the need to protect your information to those
individuals who may have access to it, and we’ve established physical,
electronic, and procedural safeguards to protect customer information.
PRIVACY POLICY STATEMENT
As a part of our normal
operations we collect, and in some cases, disclose information about you.
We encourage you to read the following Privacy Statement that contains
information about Circadian Insurance Brokers policies regarding the collection, use,
disclosure, and protection of your information.
If you are not comfortable
with any of the terms or policies described in this Statement, we
encourage you to send confidential correspondence through the postal
service.
What information do we
collect?
Personal, Financial and Product Information
We collect personally
identifiable information in order to identify and register you as an Circadian Insurance Brokers
customer. In addition, we collect personal, financial and product
information in order to provide you with services tailored to your
particular needs. By learning about you, Circadian Insurance Brokers can deliver more relevant
protection and product offerings and thus offer you better insurance
services and options.
The information we collect
will vary depending upon the function or processes you select or request.
Depending upon the function, product or process you select (for example,
quote, request for proposal, e-mail, purchase), you may be required to
provide information such as:
- Name
- Address
- Birthdate
- Phone number
- E-mail address
- Policy(ies) Type(s) &
Number(s)
- Social Security Number
- Driver’s License Number,
accident/violation history, information about vehicle operators,
lien/lease holders, vehicle information, etc.
Who Should Use Our Web Site?
Our Web
site is for insurance and financial products and services and is not
intended for children. We offer insurance and financial products and
services and thus do not market any products or services to children under
the age of thirteen or knowingly collect any information from children
under the age of thirteen. If we become aware that information is or has
been submitted by or collected from a child under the age of thirteen, we
will destroy this information.
What kind of customer
information do we have, and where did we get it?
Much of the
customer information we collect comes directly from you. When submitting
your application or request for insurance or other products and services
we offer, or in requesting an insurance quote, you may give us information
such as your name, address, and Social Security number. We also keep
information about your transactions with our affiliates, others, or us -
for example, the types of products and services you purchase from us,
premiums, policy account balances and payment history. We also may collect
information from outside sources, including consumer reporting agencies
and/or health care providers or reporting agencies such as the Medical
Information Bureau (MIB). This information includes loss information
reports, motor vehicle reports, credit reports, and medical information.
Who collects this
information?
In order to better
serve your particular needs, the information noted above is collected by
Circadian Insurance Brokers , its agents, and other companies working on behalf of Circadian Insurance Brokers. In
addition to collecting information from you, you should also know that,
depending on the nature of your transaction, we may collect information
from outside sources, such as loss information reports, motor vehicle
reports, and credit reports. For property insurance, we may send someone
to inspect your property and verify information about the value and
condition of your property.
How is this information
used?
The information you
submit to us via our on-line forms and e-mail is used to provide you with
the response or service you have requested.
We may also use this
information to contact you about our products and services. If you do not
wish to receive these communications, you can write us, e-mail us or
simply reply to any e-mails you receive from our employees informing us of
your desire to be removed from our mailing lists.
Who has access to this
information?
In order to
better serve your particular needs, Circadian Insurance Brokers , its employees, and certain
companies working on Circadian Insurance Brokers behalf have access to this information. This
information may also be disclosed to third parties without your consent if
disclosure is necessary to comply with legal processes or to protect the
rights, property, or personal safety of Circadian Insurance Brokers , its users or the public.
We may also provide limited information about you to third parties without
your permission when necessary or appropriate to service an insurance
policy we have issued (e.g., inquiries from lien holders or additional
insureds listed on the policy) or to address claims submitted under a
policy we have issued.
In addition, we may, as permitted by law, provide information about you
without your permission to certain persons or organizations, such as: your
agent or broker; insurance support organizations; other insurance
companies in order to perform their function in regard to an insurance
transaction involving you (i.e. a claim); independent claim adjusters;
businesses that conduct actuarial or research studies; regulatory and law
enforcement authorities; or our affiliated companies, if any.
What are your options
regarding collection, use, and distribution of your information?
Any information you
submit to us via written applications, our Web site’s on-line forms or
e-mail is done so on a voluntary basis. When you access our site in this
manner, the collection, use, and distribution of your information will be
handled according to the terms and policies outlined in this Privacy
Statement. If you object to the collection, use, and distribution policies
outlined in this Privacy Statement, we ask that you do not submit
information.
What are your options
regarding correction or storage of your information?
You may
either personally see, or obtain from us by mail, the information about
you in our files. If you believe the information we have about you in our
records or files is incomplete or inaccurate, you may request via
telephone or a postal mail letter that we make any necessary additions or
corrections or, to the extent that it is feasible, that we delete this
information from our files.
Links and Co-Branded Sites
This Web
site contains links to other sites. Circadian Insurance Brokers provides links to other sites as
a convenience to persons who visit the Circadian Insurance Brokers web site. If you choose to
use the services provided by those sites, you may be asked by those sites
to provide certain personally identifiable information (some of which may,
on an individual or aggregated basis, be shared with Circadian Insurance Brokers). Please be
aware that Circadian Insurance Brokers is not responsible for the privacy practices of those
sites, even though Circadian Insurance Brokers name or logo may appear on those sites. We
encourage you to be aware when you leave our site and to read the Privacy
Statements of each and every Web site that you visit, as the privacy
policy of those sites may differ from ours.
Have Additional Questions Regarding Your Privacy?
Contact our offices at:
Circadian Insurance Brokers
P.O. Box 580
Brentwood, CA. 94513
Office Hours: M-F 9am-5pm
[Evenings by appt.]
Tel: 925-417-8500
Toll Free: 877-417-7171
Fax: 925-417-0817
Email: info@circadianbrokers.com
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