Title V of the Gramm-Leach Bliley Act (GLBA) generally
prohibits any financial insurance institution directly
or through its affiliates, from sharing nonpublic
personal information about you with a non-affiliated
third party unless the institution provides you with
a notice of its privacy policies and practices, such
as the type of information that it collects about
you and the categories of persons or entities to
whom it may be disclosed. In compliance with the
GLBA, we are providing you with this document, which
notifies you of the privacy policies and practices
of The Sinnott Agency, Inc.
The GBLA further requires that
we inform you that you have a right to prevent
us from sharing
nonpublic
personal information about you with a non-affiliated
third party for any purpose that is not specifically
authorized by law. Your right to prevent us from
sharing nonpublic personal information about
you with a non-affiliated third party for a purpose
that
is not specifically authorized by law is called
your right to “opt out” of such information
sharing.
1. Information we collect:
We collect non-public personal information about
you from the following sources:
- information we receive from you on
applications or other forms.
- information about your transactions with us,
our affiliates or others
- information we receive from a consumer reporting
agency.
Unless it is specifically stated otherwise in an
amended Privacy Policy Notice, no additional
Information will be collected about you.
2. Information we may disclose to third parties:
We may disclose the following kinds of nonpublic
personal information about you:
- information we receive from you on
applications or other forms (such as name,
address, social security number)
- information about your transactions
with us, our affiliates or others (such as
account balance, payment history)
- information we receive from a consumer
reporting agency (such as credit worthiness, credit
history)
3. Nonaffiliated third parties to whom disclosures
may be made:
A. Nonaffiliated Third Parties to Whom Disclosures
May Be Made
We may disclose nonpublic personal information
about you to the following types of third parties,
unless you tell us not to:
Financial service providers, such as life insurers,
life insurance agents, group health insurers, group
health agents with whom we have a joint
marketing agreement or service provider
agreement. Also, property and casualty insurers, mortgage bankers
and
any other insurance agents with whom we
have a joint marketing or service provider
agreement.
We may also disclose
nonpublic personal information about you
to non-affiliated third parties as permitted
by law.
B. Notification of Your Right to Opt Out of Certain
Disclosures
As we have
indicated in this Privacy Policy Notice,
we collect certain nonpublic personal
information about you, and we may disclose
that
information to certain non-affiliated
third parties
for purposes other than those expressly
permitted by the Gramm-Leach-Bliley Act
and the federal and state regulations
implementing
that Act. If you prefer that we not disclose
nonpublic personal information to certain
non-affiliated third
parties, you may opt out of those
disclosures, that is, you may direct
us not to make those disclosures (other
than those disclosures
that
are expressly permitted by the Gramm-Leach-Bliley
Act and its implementing regulations).
If you wish to opt out of such
disclosures to non-affiliated third parties,
you may call us at
319-233-6103 or (800)
897-7391. We will
provide you with a signatory form.
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 interests, The Sinnott Agency, Inc. reserves
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
or service; (2) agrees to be The Sinnott Agency,
Inc’s successor in interest with regard
to the maintenance and protection of the information
collected; and (3) agrees to the obligations
of this
privacy statement.
