At Insurance House, we believe in making the insurance experience better. That means providing superior products and unparalleled customer service. Insurance House values you as a customer, and we know how much privacy means to you. We are providing you this notice of our Privacy Policy in order to apprise you of our privacy policies and practices.
Our Privacy Policies and Practices
We will inform you of our policies and practices for collecting, using, protecting and sharing your nonpublic personal information the first time we do business with you and every year that you are our customer. Our privacy policies and practices are intended to safeguard your nonpublic personal information in compliance with applicable laws and regulations. This notice of our Privacy Policy is provided to you as a part of our effort to inform you of our principles and practices regarding your nonpublic personal information.
We do not sell our customers’ nonpublic personal information.
We contractually require, in accordance with applicable law, any person or organization providing services on our behalf to protect our customers’ nonpublic personal information.
We afford our former customers the same privacy protections as existing customers with respect to the use or disclosure of their nonpublic personal information.
Types of Information We May Collect and How We Collect Information
We collect, use, and share nonpublic personal information we need to conduct our business, to advise you of our products and services, process your payments with credit cards and bank account transfers, and to provide you with customer service. We may collect and maintain several types of nonpublic personal information needed for these purposes such as:
- Nonpublic personal information collected from you on applications for our insurance and other products; on other forms; through telephone or in-person interviews; from insurance policies you have with us; from insurance agents or our customer service representatives, such as your name, address, telephone number, social security number, annual income, net worth, and household information.
- Nonpublic personal information collected from your transactions or experiences with us, such as your payment history and underwriting and claim information;
- Nonpublic personal information about your transactions with nonaffiliated third parties, such as an appraiser or automobile repair shop;
- Nonpublic personal information from consumer reporting agencies, such as your driving record, claim history or credit information.
- Nonpublic personal information from you related to online payments you make to us.
Our Web Sites
In addition to collecting nonpublic personal information you provide to us on our web sites, we may collect nonpublic personal information that we receive from “cookies” that we use to enhance your experience when visiting our web sites. “Cookies” are files we place on your computer to identify you to us and store your web site preferences. If you disable “cookies” on your browser, our web site will not be able to identify you as you move through web pages on our web site or remember your preferences. Our “cookies” are used only when visiting our web sites. We may also use “cookies” to offer you other insurance or financial service products that may suit your needs.
How We Use Information We Collect
We use the nonpublic personal information we collect about you, including consumer report information, to underwrite and/or rate your insurance policies and products, process your claims, ensure proper billing, process your payments, service your accounts and offer you other insurance and financial products that may suit your needs.
How We Disclose Information We Collect
We may share some nonpublic personal information we collect about you with our affiliates or nonaffiliated third parties as required or permitted by law. For example, your nonpublic personal information may be shared with our affiliates and nonaffiliated third parties, to the extent necessary to effect, administer, enforce, service or process insurance transactions or any other transactions or potential transactions between you and us. Also, we may share your nonpublic personal information with third parties engaged to perform actuarial or other consulting services in the furtherance of insurance transactions or any other transaction between you and us. We may share some nonpublic personal information with third parties as needed to process your credit card and other payments to us.
We may share your nonpublic personal information with companies that perform marketing or other services for us or with whom we have joint marketing agreements. We may also share your nonpublic personal information with consumer reporting agencies and with other entities as needed to handle your claim and to protect against fraud and unauthorized transactions. For example, we might share your name, address and insurance coverage information with an auto body shop which is handling an auto damage claim.
How We Share Consumer Report Information
Unless you tell us not to, we may share with our affiliates your nonpublic personal information that was obtained from a consumer report, such as your credit history or driving record. If you prefer that we not share nonpublic personal information about you that was obtained from a consumer report with our affiliates, write us at Insurance House, Attention: Privacy Officer, P.O. Box 28155, Atlanta, Georgia 30358, or call us at 800-282-7024.
How We Protect Your Information
We seek to protect the safety of your nonpublic personal information by maintaining physical, technological and procedural safeguards in accordance with applicable laws and regulations. These safeguards are designed to limit access to your nonpublic personal information to only those employees, contractors, and entities who need the information to perform their job responsibilities or services in connection with your insurance transactions or any other transactions between you and us.
How You Can Review Information We Have About You
Upon your request, we will provide you with access to your personal information stored in our files and records and the opportunity to request in writing that we correct, amend or delete any information that you believe is incorrect. We will correct, amend or delete the information you believe is incorrect if upon investigation we can substantiate that the information is in error. If we do not correct, amend or delete the information, we will provide you with the opportunity to file a written statement of the dispute with us, which we will include in any further disclosure of the information that we make.
How We Keep You Up To Date With Our Future Privacy Notices
You will receive a notice of our Privacy Policy at least once a year as long as you are our customer. You can receive additional copies of this notice of our Privacy Policy by writing to Insurance House, Attention: Privacy Officer, P.O. Box 28155, Atlanta, Georgia 30358, or call us at 800-282-7024.
This notice of our Privacy Policy is provided on behalf of the following affiliated companies of Insurance House:
- Insurance House Financial Services, Inc.
- Southern General Insurance Company
- The Insurance House, Inc.