Privacy Policy

Your Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used.

Information We Collect About You:
In order to give you the insurance services you request, we often ask customers to complete an application form or other forms that disclose personal information such as your name, address, social security number and other financial information. We collect information about your business transactions with us including information about account payments, claims and other information that may be necessary to serve you in the future. The information that we collect is limited to that which we believe will be necessary to fulfill the requirements of the insurers and regulators with which we work.

Most of our information comes directly from you on applications or forms provided by you or on your behalf. We may also collect nonpublic personal information about you. The information we collect allows us to properly underwrite and rate your insurance policy and to complete the other transactions incidental to your insurance policy. Sources and types of nonpublic information include:

  • Information provided by you, the applicant, when you complete your application or other forms while we provide insurance services (i.e. your name, address, financial information, and driver’s license number)
  • Motor Vehicle Records
  • Insurance companies we represent
  • Loss reports
  • Payment history
  • Court records or other public records
  • Information we receive from affiliates, insurers, other intermediaries, and others while processing and verifying the information provided to us
  • Your medical records or medical professionals (for health insurance)
  • Information about your transactions with us, non-affiliated third parties or others
    (i.e. your payment history and claims information)
  • For property insurance, we may send someone to inspect your property and verify information about its value and condition, and photos of the property may be taken.

Collection of Personal Information
When visiting Kelsick Insurance, the IP address used to access the site will be logged along with the dates and times of access. This information is purely used to analyze trends, administer the site, track users movement and gather broad demographic information for internal use. Most importantly, any recorded IP addresses are not linked to personally identifiable information.

Information Use & Disclosure to Third Parties:
We do not share nonpublic personal information about our customers or former customers with other companies except in connection with providing you the services you request and as required by law. We do not sell your nonpublic personal information to anyone.

For example:

  • We share your information with insurance companies to place insurance coverage and to service your account.
  • We do NOT share your information with any affiliated companies or with any non-affiliated third parties for their independent use in marketing their products.
  • When required by law, and when responding to subpoenas and other legal documents, we share your information with credit bureaus and government agencies.
  • Sometimes information needs to be disclosed to your insurance company, appraisers, independent adjusters, insurance regulators, and/or your mortgage lender or lienholder.
  • We only share your personal health information for underwriting, premium rating, or other activities related to the creation, renewal, or replacement of another contract of health insurance, or as permitted or required by law.

It is the agency’s normal procedure that your policy could be re-marketed for purposes of renewing or replacing it.

We do not share credit information, such as credit worthiness, credit standing, credit capacity, or credit score received with anyone. Under the Fair Credit Reporting Act, however, we are permitted to share information about your transactions or experiences with us (such as payment history) with our affiliated companies.

3. Non affiliated Third Parties to Whom Disclosures May be Made:
We disclose nonpublic personal information about you only to non-affiliated third parties as permitted by law. Non-affiliated service providers may include the insurance carrier, financing company, leasing company and/or Mortgage Company.

4. How we Protect Your Personal Information – 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 the insurance products or services to you.
  • We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.
  • Our virus detection, firewalls and other computer software are designed to protect access and prevent damage to customer data in our computer systems.
  • Our policies cover the proper physical security of workplaces and records.
  •  We will keep any personal health information you provide to us confidential unless: (1) you provide us with your written permission to disclose; or (2) the disclosure is for underwriting, premium rating, or other activities related to the creation, renewal, or replacement of another contract of health insurance, or as permitted or required by law.

5. Our Policy Regarding Dispute Resolutions:
Any controversy or claims 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 Arbitration Association , and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

6. Treatment of Personal Information of Former Customers:
Kelsick Insurance Agency follows this personal information privacy policy even when a customer relationship no longer exists.

If you have additional questions about the privacy of your personal information or about your insurance needs in general, please contact us.

We appreciate your trust and your business.

Changes to this Privacy Statement
The contents of this statement may be altered at any time, at our discretion.

If you have any questions regarding the privacy policy of  Kelsick Insurance Agency then you may contact us at kia-anu@candw.ag

© 2017 - | Privacy Policy