Privacy Policy Notice
Purpose Of This Notice
The
Gramm-Leach-Bliley Act (GLBA) and the laws of the State of Ohio,
generally prohibits any financial institution, directly or through its
affiliates, from sharing nonpublic personal information about you with
a 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 and the laws of this
State, we are providing you with this document, which notifies you of
the privacy policies and practices of Oswald Companies.
This Privacy
Policy applies to information we obtain about individuals who inquire
about or obtain products or services from us for personal, family or
household purposes. If your relationship with us involves multiple
lines of insurance coverage or financial products it is possible that
you may receive more than one notice from us.
It is important for
you to note the following key provision in the Oswald Companies Privacy
Policy: “We do not share information with non-affiliated third parties
that would use it to market products or services to you.”
What Information We Collect and From Whom We Collect It
We may collect nonpublic personal information about you and your family members from the following sources:
• Information we receive from you on applications or other forms;
• Information we receive from medical records or medical professionals;
• Information we receive from personal interviews;
• Information we may collect from individuals to assist in handling claims;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from non-affiliated third parties (i.e. HR Departments)
“Nonpublic
personal information” is nonpublic information about you that we obtain
in connection with providing a financial product or service to you.
What Information We Disclose and To Whom We Disclose It
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:
• To a third party if the disclosure
will enable that party to perform a business, professional or insurance
function for us;
•
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;
•
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;
• To third parties in order to assist in the resolution of claims;
• To a medical care
institution to medical professional in order to verify coverage and/or benefits,
conduct an audit that would enable us to verify treatment;
• To an insurance regulatory authority, law
enforcement, or other governmental authority in order to protect our interests
in preventing or prosecuting fraud;
•
To a group policyholder for the purpose of reporting claims experience
or conducting an audit of our operations or services;
• To an actuarial or research organization for the purpose of conducting actuarial or research studies;
•
To an insurance carrier for the purpose of securing competing quotes
prior to the renewal of an existing insurance policy.
Our Practices Regarding Information Confidentiality and Security
We
restrict access to your 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 to protect your nonpublic personal information.
As
indicated in this Privacy Policy, we collect nonpublic information
about you, and this information may be disclosed to third-parties for
purposes other than those permitted by GLBA or the State regulations.
If you prefer that we not disclose this information, knowing that it
may restrict our ability to provide competing renewal quotations, you
may opt-out of such disclosures by sending us an e-mail at
compliance@oswaldcompanies.com with appropriate instructions.
We reserve the right to change this policy at any time and you will be notified if any changes occur.
If you have
any questions after reading this Privacy Policy, please contact us by writing to
Privacy Management, c/o Compliance Officer, Oswald Companies; 1360 East 9th Street, Suite #600 Cleveland, Ohio 44114.