Protecting your privacy is one of our top concerns and priorities. We maintain administrative, physical and technical safeguards to maintain the security of your nonpublic personal information that we obtain or create as required by applicable law. We also restrict access to your nonpublic personal information that we obtain or create to only our employees and others who need to know that information to provide and fulfill our products or services to you. We apply the same privacy practices and policies to our former customers as to our current customers.
What Personal Information Do We Have and Where Do We Get It?
We gather personal information from you and from outside sources for business purposes, including carrying out the requested product or services, responding to customer service requests, administering your account, and sending you newsletters and other service-related correspondence. Some examples of the information we collect from you may include your name, phone number, home and e-mail addresses, driver’s license number, date of birth, social security number, marital status, family member information, and payment information. Also, we maintain records that include, but are not limited to, policy coverages, premiums, and payment. We also collect information from outside sources that may include, but is not limited to, your driving record, claims history, and credit information. Information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons.
We may also collect third-party information from you to carry out the necessary services and/or requests. If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.
How We Use and Share Your Personal Information:
We do not sell your personal information. In the course of normal business activities, we use and share your personal information. We may provide your information to persons or organizations within and outside of Smart Flex Agents. This would be done as required or permitted by law. For example, we may do this to:
- Fulfill a transaction you requested or service your policy
- Market our products
- Prevent fraud
- Comply with requests from regulatory and law enforcement authorities. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We may also disclose your personal information as required by law, such as to comply with a subpoena or other legal process, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
- Participate in insurance support organizations
The persons or organizations with whom we may share your personal information may include, among others:
- Smart Flex Agents-affiliated companies
- Companies that perform services, such as marketing, credit/debit card processing, and communication services on our behalf
- Business partners that assist us with tracking how visitors use our websites
- Other financial institutions with whom we have a joint marketing agreement
- Institutions providing financial products and services we sell, such as insurance companies
- A business or businesses that conduct actuarial or research studies
- Those who request information pursuant to a subpoena or court order
- Consumer reporting agencies
- Others, at your direction or with your consent
We will share your personal information with third parties only in the ways that are described in this privacy statement.
Internet, Mobile Applications and Social Media Users
We may use at our website common online tracking technologies like web browser cookies, analytical tools, or other technologies to customize our websites, mobile applications, and social media interactions to enhance your overall customer experience. Our mobile and social media applications may also collect non-personally identifiable demographic information (such as age, sex, and city/state location) about the users of each application. When you visit our website, a message called a cookie is sent from our web server to your computer, which you can disable in your web browser if you decline to accept cookies. This cookie resides on your computer until your Internet browser is turned off and is used to make it easier for you to navigate among different pages at our website. This cookie does not collect any personally identifiable information about you. Our website contains hyperlinks to other websites on the Internet which we do not control, are not governed by our privacy practices and policies and for which we are not responsible. Before you provide information to any of these other websites, you should review their terms of service (or similar legal terms) and their privacy policies so that you know what information is collected by the website and what use or disclosure may be made of information you provide to the website. Our website does not engage in collecting personally identifiable information about your online activities over time and across third-party websites or online services. We have not authorized any third party to collect personally identifiable information about your online activities over time and across different websites when you visit our website. Thus, our website does not respond to web browser “do not track” track signals or other similar mechanisms.
Accuracy of Your Personal Information that We Possess
We strive to maintain the accuracy of your information that we have. With proper identification, you have the right to access the information we have about you. You have the right to ask us to correct, amend or delete any information about you that you believe to be incorrect, and we will respond to your request within 30 days. If we concur with your request, we will amend or delete your information in question. We will also send the correction to anyone identified by you who received the incorrect information from us in the last 2 years, any insurance-support organization whose primary source of your nonpublic personal information is us if an insurance-support organization has systematically received your nonpublic personal information from us during the last 7 years and any insurance-support organization that furnished your nonpublic personal information to us. If we do not agree that the information is incorrect, you have the right to give us a statement of what you believe to be correct. We will place your statement in our records, and we will send your statement to anyone described above that is entitled to receive a correction of your nonpublic personal information in our records. We will also send your statement to anyone who later receives the information from us. To request access to or to amend or delete about information you that we have, please contact us at: email@example.com