At Michaud, Rowe & Ruscak Insurance Associates, Inc., we are committed to treating and using non-public personal information about you responsibly. We understand that you expect your personal information to be confidential and secure. This notice will help you understand what information we collect about you, how we use it and how we protect it.
TYPES OF INFORMATION THAT WE COLLECT
l Information we receive from you on insurance applications, claim forms or other forms such as your name, address, date & location of birth, marital status, sex, social security number, medical information, etc.
l Information about your transactions with us. Examples: your policy coverage, premiums, claims history and payment history
l Information we receive from a consumer-reporting agency. Examples: your credit score, credit history and motor records
What do we do with the information collected about you?
Information that has been collected about you may be retained in both our records and the companies we place your business with. We review it in evaluating your request for insurance coverage and in determining rates, premiums, or coverageâ€™s. We will also refer to and use information in our policy records for purposes related to issuing and servicing insurance policies and settling claims unless you tell us not to.
DISCLOSURE OF INFORMATION
We may disclose information about you in the normal business of conducting insurance operations, such as providing you with a quote, processing, servicing, and administering your insurance policy and your claims. On occasion we share information about you to a third party, that performs services for us, such as claims investigations, appraisers, motor vehicle departments to obtain a report of any accidents, etc.
SECURITY OF INFORMATION
We maintain physical, electronic and procedural safeguards to protect consumer information. We restrict access to your personal information to those persons who have a business need for such information. Employees are educated on the importance of maintaining the confidentiality of your nonpublic personal information. We continually strive to maintain complete and accurate information about you and your accounts.
If you have any questions about our privacy statement, please contact one of our officers at (978) 688-8829 or (800) 498-4944.