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Privacy Statement for customers acquired from independent producers or other financial institutions - All Other StatesYOUR PRIVACY AT BALBOA INSURANCE GROUP
For more than 50 years, the companies of Balboa Insurance Group* (Balboa) have been trusted providers of insurance and other financial products and services. Our primary focus is on empowering you to meet your financial goals by offering a wide range of products and services. This notice explains how we protect and use your information in a safe, secure and responsible manner.
Your Protection is Our Priority
We strive to safeguard your data. We do this by:
- setting policies and procedures for carefully handling your information;
- limiting employee access to sensitive information;
- requiring service providers who do business with Balboa to comply with privacy laws;
- protecting against unauthorized access to customer data using data encryption, authentication, and virus detection technology;
- auditing company security practices;
- monitoring our websites through recognized online privacy and security organizations; and
- conducting background checks on all employees and providing privacy training.
About Our Websites
We design many features of our website so new visitors may anonymously learn about our products and services without revealing their identity. For new visitors, we use “cookies”, GIFs or similar devices to collect limited data (such as the date, time and areas of our website visited and the website the new visitor came from). When you select one of our products or services or respond to marketing materials sent to you directly, we will try to identify your browser and may combine information from “cookies”, GIFs or other similar devices and other information collected online with any other data we maintain about you. By improving the marketing and content of our website and making your online experience more convenient, we are able to better serve our customers’ financial needs.
How We Obtain Information
To issue and service your policy or financial product, comply with government regulations, improve our products and services, and better understand your financial needs, we collect and maintain customer and former customer data. We collect information:
- you provide us on applications and other forms (such as your name and address, phone, Social Security and account numbers, health history and beneficiary information);
- about your transactions with us (such as your insurance coverage, and transaction and claims history);
- about your loss or health history from an insurance support organization or other consumer reporting agencies; and
- about your property from business partners and service providers (such as property inspection companies).
Information We Disclose and to Whom We May Disclose Information
- We may disclose all information we collect with companies performing services on our behalf (such as the vendor who prepares and mails our insurance documents). These service providers agree to keep the information confidential and not use it for any other purpose.
- We may disclose all information to third parties (such as insurance support organizations and other consumer reporting agencies, regulators and insurance carriers). Information disclosed to insurance support organizations may be retained by such organizations and disclosed to other persons.
- We may disclose health information to determine eligibility for coverage, to process claims, to prevent fraud, and as authorized by you or as otherwise authorized or permitted by law.
- We may disclose all information we collect as permitted or required by law (such as disclosures to state insurance authorities and law enforcement agencies).
We may also share certain information with the financial institution or other entity that introduced us to you in accordance with that entity’s privacy policy. However, we will not give information to any other entities so that they may solicit you. Because of our privacy practices, we do not disclose information about our customers or former customers other than as described above or as required or permitted by law.
As we continue to expand our operations, we are continually looking for ways to enhance customer service through various efficiencies, which may include the use of resources overseas. Our mission is to respond to your insurance and other financial needs as quickly and effectively as possible.
How to Confirm the Accuracy of Your Information
We are committed to maintaining accurate and up-to-date information on all of our customers. We provide access to account information in various ways - including over the phone and through other communications about your insurance. If you believe that any of your information is incorrect, please notify us immediately using the customer service number provided on your insurance documents that you have received. We will respond in a timely manner to customers' requests to correct account or transaction information. However, in order to protect the confidentiality of your information, we may ask you to verify your identity and to provide other details to respond to your request.
Privacy Policy Changes
If changes to our privacy policy affect your information, we will send you a new privacy policy notice before such change.
Additional Questions
We understand the importance of your information and treat it accordingly, and invite you to contact us toll free at 1-866-605-3472 if you have any additional questions. Please have your policy or other financial product information available when you call.
Corporate Privacy Policy Notice Effective Date: 12/2004
*For purposes of this statement, Balboa Insurance Group includes Balboa Insurance Company, Meritplan Insurance Company, Newport Insurance Company, Newport E & S Insurance Company, Balboa Life Insurance Company, Balboa Life Insurance Company of New York, and Balboa Warranty Services Corporation.
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