Insurors of Texas understands our customers' concern about privacy of their information
collected by the Company. Our Company is dedicated to protecting the confidentiality and
security of nonpublic personal information we collect about our customers in accordance
with applicable laws and regulations. This policy statement refers to the Company by using
the terms "us," "we," or "our." This statement describes our privacy policy and describes
how we treat the nonpublic personal information about our customers that we receive from
them ("Information").
Why We Collect and How We Use Information:
We collect and use Information for business purposes with respect to our insurance products
and services and other business relations involving our customers. We gather this information
to evaluate a customer's request for insurance, to evaluate insurance claims, to administer,
maintain or review an insurance policy, and to process insurance transactions. We also
accumulate certain information about customers as may be required or permitted by law. The
customer's insurance agent or broker also collects this Information and may use it to help
with the overall insurance program or to market additional products and services. We may also
use Information to offer other products or services that we or our Affiliates provide.
How We Collect Information:
Most Information collected by us is provided by customers to us. We obtain Information from
(i) applications or other forms submitted by customers,
their insurance agent or broker or their authorized representatives to us and our Affiliates,
and (ii) customer transactions with us or our Affiliates. We may also obtain Information from
other sources such as (i) consumer reporting agencies, (ii) other institutions or information
services providers, (iii) employers, (iv) other insurers, or (v) customer family members.
Information We Disclose:
We disclose any Information which we believe is necessary to conduct our business as
permitted by applicable law or where required by applicable law. This disclosure may
include (i) Information we receive from customers on applications or other forms provided
to us and our Affiliates, such as names, addresses, social security numbers, assets, employer
information, salaries, etc. (ii) Information about customer transactions with us and our
Affiliates, such as policy coverages, premiums, payment history, etc., and (iii) Information
we receive from a consumer reporting agency, such as credit worthiness and credit history.
To Whom We Disclose Information:
We may, as permitted or required by applicable law, disclose customer Information to
nonaffiliated third parties, such as (i) the customer's insurance agent or broker,
(ii) independent claims adjusters, (iii) insurance support organizations, (iv) processing
companies, (v) actuarial organizations, (vi) law firms, (vii) other insurance companies
involved in an insurance transaction with customers, (viii) law enforcement, regulatory, or
governmental agencies, (ix) courts or parties therein pursuant to a subpoena or court order,
(x) businesses with whom we have a marketing agreement, or (xi) our Affiliates.
We may share Information with our Affiliates so that they may offer products and services
from the Insurors group of companies or to analyze our book of business and to consolidate
necessary information. We do not disclose Information to other companies or organizations not
affiliated with us for the purpose of using Information to sell their products or services.
For example, we do not sell customer names to unaffiliated mail order or direct marketing
companies.
How We Protect Information:
We require our employees to protect the confidentiality of Information as required by
applicable law. Access to Information by our employees is limited to administering, offering,
servicing, processing or maintaining of our products and services. We also maintain physical,
electronic, and procedural safeguards designed to protect Information. When we share or
provide Information to other persons or organizations, we contractually obligate them, if
required by law, to treat Information as confidential and conform to our privacy policy and
applicable laws and regulations.
Correction and Access to Information:
Upon our receipt of a customer's written request to the Company Privacy Officer at
P. O. Box 2683, Waco, TX 76702-2683, we will, generally, make available Information for
review. If the customer believes the Information we have is incorrect or inaccurate, they
may request that we make any necessary corrections, additions, or deletions. If we agree with
their belief, we will correct our records if required by applicable law. If we do not agree,
they may submit to us a short statement of dispute, which we will include in any future
disclosure by us of such Information if required by applicable law.
Requirements for Privacy Notice:
This privacy notice is being provided due to recently enacted federal and state laws and
regulations establishing new privacy standards and requiring us to provide this privacy
policy. For additional information regarding our privacy policy, please write to the Company
Privacy Officer at P. O. Box 2683, Waco, TX 76702-2683
