1.
Information we collect:
A.
Categories of Information Collected and Sources From
Which We Collect It.
We
collect nonpublic personal information about you from
the following sources:
1.
Information that you provide us on applications
and other forms.
2.
Information about your transactions with us from
the insurance companies we contact to underwrite
your insurance.
3.
Information we receive from the Department of Motor
Vehicles or other consumer reporting agencies.
4.
Information contained in medical records or from
medical professionals that is related to insurance
claims.
**Unless it is specifically stated otherwise in
an amended Privacy Policy Notice, no additional
information will be collected about you.
B.
Persons From Whom Information is Collected.
We may collect nonpublic personal information from
individuals other than those proposed for coverage.
2.
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 Nevada Division 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.
3.
Your right to access and amend your personal information:
You have the right to request access to the personal
information that we record about you. Your right includes
the right to know the source of the information and
the identity of the persons, institutions or types of
institutions to whom we have disclosed such information
within 2 years prior to your request. Your right includes
the right to view such information and copy it in person,
or request that a copy of it be sent to you by mail
(for which we may charge you a reasonable fee to cover
our costs). Your right also includes the right to request
corrections, amendments or deletions of any information
that is in our possession. The procedures that you must
follow to request access to or an amendment of your
information are as follows:
To
obtain access to your information: You should submit
a request in writing to Tom Wheeler, President/Insurance
Solutions Group/ P.O. Box 80987, Las Vegas, Nevada 89180.
The request should include your name, address, social
security number, telephone number, and the recorded
information to which you would like access. The request
should state whether you would like access in person
or a copy of the information sent to you by mail. Upon
receipt of your request, we will contact you within
30 business days to arrange providing you with access
in person or the copies that you have requested.
To
correct, amend, or delete any of your information:You
should submit a request in writing to Tom Wheeler, President/Insurance Solutions Group/ P.O. Box
80987, Las Vegas, Nevada 89180. The request should include
your name, social security number, telephone number,
the specific information in dispute, and the identity
of the document or record that contains the disputed
information. Upon receipt of your request, we will contact
you within 30 business days to notify you either that
we have made the correction, amendment or deletion,
or that we refuse to do so and the reasons for the refusal,
which you will have the opportunity to challenge.
4.
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.
5.
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.
6.
Reservation of the right to disclose information in
unforeseen circumstances:
In connection with the potential sale or transfer of
its interest, Insurance Solutions Group and its affiliates
(if any), reserve the right to sell or transfer your
information (including but not limited to your name,
address, 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, product or service;
(2) agrees to be Insurance Solutions Group successor
in interest with regard to the maintenance and protection
of the information collected; and (3) agrees to the
obligations of this privacy statement.
