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PRIVACY POLICY
Entertainment Brokers International believes that personal information that we collect
about our customers, potential customers, and proposed insureds (referred to collectively
in this Privacy Policy as “customers”) must be treated with the highest degree of
confidentiality. For this reason and
in compliance with Title V of the Gramm-Leach-Bliley Act (“GLBA”), we have developed
a Privacy Policy that applies to all of our companies.
For purposes of our Privacy Policy, the term “personal information” includes
all information we obtain about a customer and maintain in a personally identifiable
way. In order to assure the confidentiality
of the personal information we collect and in order to comply with applicable laws,
all individuals with access to personal information about our customers are required
to follow this policy.
Our Privacy
Promise
Your privacy and the confidentiality of your business records are important to us. Information and the analysis of information
is essential to the business of insurance and critical to our ability to provide
you excellent, cost-effective service and products. We understand that gaining and
keeping your trust depends upon the security and integrity of our records concerning
you. Accordingly, we promise that:
1.
We will follow strict standards of security
and confidentiality to protect any information you share with us or information
that we receive about you;
2.
We will verify and exchange information regarding
your credit and financial status only for the purposes of underwriting, policy administration,
or risk management and only with reputable references and clearinghouse services;
3.
We will not collect and use information about
you and your business other than the minimum amount of information necessary to
advise you about and deliver to you excellent service and products and to administer
our business;
4.
We will train our employees to handle information
about you or your business in a secure and confidential manner and only permit employees
authorized to use such information to have access to such information;
5.
We will not disclose information about you
or your business to any organization outside Entertainment Brokers International
or to third party service providers unless we disclose to you our intent to do so
or we are required to do so by law;
6.
We will not disclose medical information
about you, your employees, or any claimants under any policy of insurance, unless
you provide us with written authorization to do so, or unless the disclosure is
for any specific business exception provided in the law;
7.
We will attempt, with your help, to keep
our records regarding you and your business complete and accurate, and will advise
you how and where to access your account information (unless prohibited by law),
and will advise you how to correct errors or make changes to that information; and
8.
We will audit and assess our operations,
personnel and third party service providers to assure that your privacy is respected.
Collection
and Sources of Information
We collect from a customer
or potential customer only the personal information that is necessary for (a) determining
eligibility for the product or service sought by the customer, (b) administering
the product or service obtained, and (c) advising the customer about our products
and services. The information we collect
generally comes from the following sources:
·
Submission
– During
the submission process, you provide us with information about you and your business,
such as your name, address, phone number, e-mail address, and other types of personal
identification information;
·
Quotes
– We collect
information to enable us to determine your eligibility for the particular insurance
product and to determine the cost of such insurance to you.
The information we collect will vary with the type of insurance you seek;
·
Transactions –
We will maintain records of all transactions with us, our affiliates, and our third
party service providers, including your insurance coverage selections, premiums,
billing and payment information, claims history, and other information related to
your account;
·
Claims
– If you
obtain insurance from us, we will maintain records related to any claims that may
be made under your policies.
The investigation
of a claim necessarily involves collection of a broad range of information about
many issues, some of which does not directly involve you. We will share with you any facts that we collect about your claim unless
we are prohibited by law from doing so.
The process of a claim investigation, evaluation, and settlement also involves,
however, the collection of advice, opinions, and comments from many people, including
attorneys and experts, to aid the claim specialist in determining how best to handle
your claim. In order to protect the
legal and transactional confidentiality and privileges associated with such opinions,
comments and advice, we will not disclose this information to you; and
·
Credit and Financial Reports
– We may receive information about you and your business regarding your credit. We use this information to verify information
you provide during the submission and quote processes and to help underwrite and
provide to you the most accurate and cost-effective insurance quote we can provide.
Retention
and Correction of Personal Information
We retain personal information only as long as required by our business practices
and applicable law. If we become aware
that an item of personal information may be materially inaccurate, we will make
reasonable effort to re-verify its accuracy and correct any error as appropriate.
Storage
of Personal Information
We have in place safeguards to protect data and paper files containing personal
information.
Sharing/Disclosing
of Personal Information
We maintain procedures to assure that we do not share personal information with
an unaffiliated third party for marketing purposes unless such sharing is permitted
by law. Personal information may be
disclosed to an unaffiliated third party for necessary servicing of the product
or service or for other normal business transactions as permitted by law.
We do not disclose personal information to an unaffiliated third party for servicing
purposes or joint marketing purposes unless a contract containing a confidentiality/non-disclosure
provision has been signed by us and the third party.
Unless a consumer consents, we do not disclose “consumer credit report” type
information obtained from an application or a credit report regarding a customer
who applies for a financial product to any unaffiliated third party for the purpose
of serving as a factor in establishing a consumer’s eligibility for credit, insurance
or employment. “Consumer credit report
type information” means such things as net worth, credit worthiness, lifestyle information
(piloting, skydiving, etc.) solvency, etc.
We also do not disclose to any unaffiliated third party a policy or account number
for use in marketing. We may share
with our affiliated companies information that relates to our experience and transactions
with the customer.
Policy
for Personal Information Relating to Nonpublic Personal Health Information
We do not disclose nonpublic personal health information about a customer unless
an authorization is obtained from the customer whose nonpublic personal information
is sought to be disclosed. However,
an authorization shall not be prohibited, restricted or required for the disclosure
of certain insurance functions, including, but not limited to, claims administration,
claims adjustment and management, detection, investigation or reporting of actual
or potential fraud, misrepresentation or criminal activity, underwriting, policy
placement or issuance, loss control and/or auditing.
Access
to Your Information
Our employees, employees of our affiliated companies, and third party service providers
will have access to information we collect about you and your business as is necessary
to effect transactions with you. We
may also disclose information about you to the following categories of person or
entities:
·
Your independent insurance agent or broker;
·
An independent claim adjuster or investigator,
or an attorney or expert involved in the claim;
·
Persons or organizations that conduct scientific
studies, including actuaries and accountants;
·
An insurance support organization;
·
Another insurer if to prevent fraud or to
properly underwrite a risk;
·
A state insurance department or other governmental
agency, if required by federal, state or local laws; or
·
Any persons entitled to receive information
as ordered by a summons, court order, search warrant, or subpoena.
Violation
of the Privacy Policy
Any person violating the
Privacy Policy will be subject to discipline, up to and including termination.
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