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Privacy Policy
and Practices of The Thomas & Brown Group LLC. and its
Affiliates
(herein called "we, our, and us")
This Privacy
Policy applies to our United States Operations
We value your trust. We are
committed to the responsible:
a) management;
b) use; and
c) protection;
of Personal Information.
This notice describes how we
collect, disclose, and protect Personal Information.
We collect Personal
Information to:
a) service your Transactions with us; and
b) support our business functions.
We may obtain Personal
Information from:
a) You;
b) your Transactions with us; and
c) third parties such as a consumer-reporting agency.
Based on the type of product or
service You apply for or get from us, Personal
Information such as:
a) your name;
b) your address;
c) your income;
d) your payment; or
e) your credit history;
may be gathered from sources such as applications,
Transactions, and consumer reports.
To serve You and service
our business, we may share certain Personal Information.
We will share Personal Information, only as allowed by
law, with affiliates such as:
a) our insurance companies;
b) our employee agents;
c) our brokerage firms; and
d) our administrators.
As allowed by law, we may share
Personal Financial Information with our affiliates to:
a) market our products; or
b) market our services;
to You without providing You with an option to
prevent these disclosures.
We may also share Personal
Information, only as allowed by law, with unaffiliated third
parties including:
a) independent agents;
b) brokerage firms;
c) insurance companies;
d) administrators; and
e) service providers;
who help us serve You and service our business.
When allowed by law, we may share
certain Personal Financial Information with other
unaffiliated third parties who assist us by performing services
or functions such as:
a) taking surveys;
b) marketing our products or services; or
c) offering financial products or services under a joint
agreement between us and one or more financial institutions.
We will not sell or share your
Personal Financial Information with anyone for purposes
unrelated to our business functions without offering You
the opportunity to:
a) "opt-out;" or
b) "opt-in;"
as required by law.
We only disclose Personal
Health Information with:
a) your proper written authorization; or
b) as otherwise allowed or required by law.
Our employees have access to
Personal Information in the course of doing their jobs, such
as:
a) underwriting policies;
b) paying claims;
c) developing new products; or
d) advising customers of our products and services.
We use manual and electronic
security procedures to maintain:
a) the confidentiality; and
b) the integrity of;
Personal Information that we have. We use these
procedures to guard against unauthorized access.
Some techniques we use to protect
Personal Information include:
a) secured files;
b) user authentication;
c) encryption;
d) firewall technology; and
e) the use of detection software.
We are responsible for and must:
a) identify information to be protected;
b) provide an adequate level of protection for that data;
c) grant access to protected data only to those people who must
use it in the performance of their job-related duties.
Employees who violate our Privacy
Policy will be subject to discipline, which may include ending
their employment with us.
At the start of our business
relationship, we will give You a copy of our current
Privacy Policy.
We will also give You a
copy of our current Privacy Policy once a year if You
maintain a continuing business relationship with us.
We will continue to follow our
Privacy Policy regarding Personal Information even when a
business relationship no longer exists between us.
As used in this Privacy
Notice:
Application means
your request for our product or service.
Personal Financial
Information means financial information such as:
a) credit history;
b) income;
c) financial benefits; or
d) policy or claim information.
Personal Health Information
means health information such as:
a) your medical records; or
b) information about your illness, disability or injury.
Personal Information
means information that identifies You personally and is
not otherwise available to the public. It includes:
a) Personal Financial Information; and
b) Personal Health Information.
Transaction means
your business dealings with us, such as:
a) your Application;
b) your request for us to pay a claim; and
c) your request for us to take an action on your account.
You means an
individual who has given us Personal Information in
conjunction with:
a) asking about;
b) applying for; or
c) obtaining;
a financial product or service from us if the product or service
is used mainly for personal, family, or household purposes.
This Privacy Policy is being
provided on behalf of the following affiliates of The Thomas &
Brown Group, LLC:
Brand Savvy Inc, Primo Management
LLC,
www.universityadmissionusa.com,
Buddaz Beachwear
© 2006 The
Thomas & Brown Group LLC. All Rights Reserved.
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