Willow Brook Insurance Service

MARLEEN THUDIUM DBA WILLOW BROOK INSURANCE (INITIAL/ANNUAL PRIVACY NOTICE)

THIS NOTICE DESCRIBES HOW NONPUBLIC PERSONAL INFORMATION (NPI) ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

We take pride in guarding your privacy. We are committed to protecting the privacy and security of your personal and financial data.

We provide products and services that involve private and sensitive data. Guarding and keeping it safe is vital to us. This notice explains our data policies and practices. First, we want you to know how we collect, store and protect your data. Second, we want to inform you about our data sharing policies. We do this because you are a valued customer.

We collect only the minimum data required to deliver products and services to you. The data we collect varies with the type of product you request and may include:

Application Data
Data you give us or the insurers we represent. The data may change depending upon the type of policy you purchase. Examples are your assets, income, Social Security number, medical records, family data, address, employer(s), and account or policy data etc.

Employer Data
Data from your employer, benefit plan sponsor etc. on any group products we may provide. Examples are your name, address, income, medical records, family data, job description and social security number(s) etc.

Transaction and Experience Data
Data about your contacts with our business partners and us. Examples are payment history, beneficiary changes, ownership changes, medical or dental or vision claims, disability claims, long term care claims etc.

Third Parties
Consumer Reporting Agencies, Physical Examination services, Credit Agencies for Workman's Comp coverage etc. We limit how, when and where we share your data. We treat former customers data in the same manner as current customers.

First
We do not sell your personal, medical or financial data to anybody.

Second
We do not share your medical data for any purpose other than to complete a matter requested by you or if the law requires it.

Third We do not share customer data with anyone unless allowed or required by law or with your permission. We share only the minimum necessary data to complete the matter or service. We may disclose all the data described above. All service personnel and licensed agents in our office are authorized to assist with your account or process your requests.

Examples of when we may share data include:

• Service your account or policy such as ID cards, billing and payment data etc.
• Process, pay, or research a claim.
• Process a request by you such as adding or deleting a spouse or child, changing coverage levels, changing beneficiaries etc.
• Protect your account or policy from fraud or theft. Underwrite a policy or obtaining quotes for coverage.
• Perform business functions for our agency.

We may share data with the following persons or entities when you purchase an insurance product through our agency. We share your data only with the entities necessary to complete the transaction or provide the service. When legally p,possible we require those we share your data with to maintain its security. These include:

Our Support Help
Computer services, claim processors, mailing firms, attorney, CPA etc. Insurance Support Groups Insurance physical exam firms, consumer reporting services, insurance enrollment services, computer quoting services etc.

Insurance Firms
General agents, agents who we have servicing agreements with and third party administrators.

Medical, Dental and Vision Service Providers
Physicians, dentists, hospitals, etc. you have seen or used Insurance Entity or HMO Carriers or insurers you have coverage through etc.

Law Enforcement, Regulators, or the Courts
In response to a subpoena, a court order, to obtain government benefits, stop fraud or theft, etc.

Group\Policy Holders
Employers or groups you have coverage through, etc.

Lien Holders and Co-Owners
Others with a legal interest in the policy, etc.

Businesses Who Intend to Buy
Other insurers or agents who intend to buy our business in whole or in part, etc. We maintain physical, electronic, and administrative safeguards to insure the protection of data. Only agents and service personnel from our firm have access to data.

We have installed physical and electronic measures such as virus and firewall protection and other means to protect your data. We physically secure your data and train staff about their duty to protect your data.

You have the right to access, copy, review and request correction of the data we collect and maintain. We act on all requests made to us in writing within 30 days of receipt. We may charge a reasonable fee for copies if necessary. In the event you believe there is an error in your data, you may request in writing that it be corrected. We will notify you within 30 days of receiving the request to correct the data that it has been corrected or inform you why we are unable to make the requested change with an explanation. If you disagree in any way, you may supply us with a short statement why you disagree. It will be filed with your personal data. You may contact our privacy officer with any questions at 619.465.6710.

We will renew our Privacy Promise to you in writing yearly.

We may change our privacy policies and practices from time to time. These changes may be a result of new laws or regulations, court rulings, changing business practices etc. If we do make material changes, we will notify you prior to making them. You may contact our office to get a copy of our latest privacy policy.