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This privacy statement
is designed to tell you how Siver Insurance Agency uses and secures your personal information. This privacy statement describes
the practices of the Siver Insurance Agency as it relates to our compliance with the Privacy
Act of 1988 and the Health Insurance Portability and Accountability Act of 1996.
As described below, this privacy statement relates solely to the online and offline information collection and use practices
of the Siver Insurance Agency.
We want you to know that Siver Insurance Agency respects
your privacy and protects your information.
· We do not sell customer information.
· We do not share customer information with persons, companies, or organizations outside of Siver Insurance Agency that
would use that information to contact you about their own products and services.
· We do not share policy information with any person, company or organization that is not listed on your policy as one
of the following: insured; additional insured; insurance company; lienholder; mortgagee or loss payee unless you provide us
with specific instructions as to who and what information is to be shared.
· 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 Siver Insurance Agency, 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.
Below we've provided answers
to questions that might be on your mind regarding privacy. You may be wondering...
What
kind of customer information do we have, and where did we get it?
Much
of the customer information that we have about you comes directly from you. You gave some of this information to us on your
application or request for insurance or other products we offer. We keep information about the types of products and services
you purchase from us, as well as account balances and payment history.
Depending on the nature of
the transaction you are completing with us, you may be asked to provide information to Siver Insurance Agency, our affiliates,
agencies, or other entities working on Siver Insurance Agency behalf. The kinds of customer information you may be asked to
provide could include: information we receive from you on applications or other forms, such as your name, address, and Social
Security number; and information about your transactions with our affiliates, others, or us-for example, your policy coverage,
premiums, and payment history.
We also may collect information
from outside sources, including consumer reporting agencies and health care providers. This information includes loss information
reports, motor vehicle reports, credit reports, and medical information.
What
do we do with customer information?
Siver
Insurance Agency does not sell customer information, or medical information, to anyone. Nor do we share it with companies
or organizations outside of Siver Insurance Agency that would use that information to contact you about their own products
and services. If that practice were ever to change, we would, of course, offer you the ability to opt out of this type of
information sharing, and we would offer you the opt-out with plenty of time for you to respond before the change in our practice
took place.
To help you with your overall
insurance program we may use customer information for marketing purposes. We may also use customer information to communicate
with you about products, features, and options you have expressed an interest in or that we believe may be of interest to
you. To transact business on your behalf, we may find it necessary to provide customer information, without authorization
but only as permitted or required by law, to persons or organizations both inside and outside of Siver Insurance Agency. These
include, for example: our affiliated companies, companies that perform marketing services on our behalf, or other financial
institutions with which we have a joint marketing agreement for the sale of our own products.
How
do we protect your customer information?
When
we share customer information with companies working on behalf of Siver Insurance Agency, we expect those companies to use
that information only to provide the service we have asked them to perform. Within Siver Insurance Agency, customer information
is available to those individuals who may need to see it to fulfill and service the needs of Siver Insurance Agency customers.
We communicate regarding the need to protect customer information to all employees and agents, especially those individuals
who have access to it. Plus, we've established physical, electronic, and procedural safeguards to protect customer information.
Finally, should your relationship
with Siver Insurance Agency end, your customer information will remain protected in accordance with our privacy practices
as outlined in this Important Notice.
How
Can You Reach Us?
If
you have questions regarding our Privacy Statement, you can contact us at our postal address: PO
Box 398, S. Lancaster, MA 01561 or call us at 978-368-8558
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