When you apply to Agency Services, Incorporated (referred to in this notice as
ASI or "we", "us", and "our") for financing of your insurance premium(s), you
disclose information about yourself to us. Federal and State law regulates the
collection, use, and disclosure of such information. ASI, its affiliates, and
subsidiaries maintain physical, electronic, and procedural safeguards that
comply with state and federal regulations to guard your personal and financial
information. We also limit employee access to this information to those with a
business reason for knowing such information. ASI also instructs our employees
so that they understand the importance of the confidentiality of personal and
financial information, and takes appropriate measures to enforce employee
What kind of information do we collect about you and from whom?
ASI obtains most of our information from you. The application you complete, as
well as any additional information you provide, generally gives us most of the
information we need to know. Sometimes we may contact you by mail or phone to
obtain additional information. We may use financial information about you from
your other transactions with us and our affiliates.
We may obtain additional information we need from third parties, such as other
insurance companies, government agencies, information clearinghouses, courts,
and other public records. We may receive consumer credit information from a
consumer-reporting agency. A report from a consumer-reporting agency may
contain information as to credit worthiness, credit standing, credit capacity,
character, general reputation or occupation. Upon request, we will tell you how
to get a copy of the report. The agency that prepares a consumer report for us
may retain that report and disclose it to other persons as permitted by law.
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 in your agent's files. We may retain information about our former
customers and would disclose that information to affiliates and non-affiliates
as permitted by law.
To whom do we disclose information about you?
We only disclose information about our applicants, customers and former
customers as permitted or required by law in the course of serving our
customers or to administer our business. Examples of types of non-public
information we disclose include certain consumer information, such as your
name, address and social security number or transaction information such as
your account balances and payment history or driving record or license
information. Listed below are some examples of third parties to whom we may
Our affiliated companies
Your agent or broker
Parties who perform a business, professional or insurance function for our
company, including our reinsurance companies
Independent claims adjusters, appraisers, investigators, and attorneys who need
the information to investigate, defend, or settle a claim involving you
Businesses that help us with data processing
Businesses that conduct scientific research, including actuarial or
Other insurance companies, agents, or consumer reporting agencies as reasonably
necessary in connection with any application, policy, or claim involving you
Insurance support organizations which are established to collect information
for the purpose of detecting and preventing insurance crimes or fraudulent
Insurance regulatory agencies in connection with the regulation of our business
Law enforcement or other governmental authorities to protect our legal interest
or in cases of suspected fraud or illegal activities
Authorized persons as ordered by a subpoena, warrant, or other court order as
required by law
Certificate holders or policyholders for the purpose of providing information
regarding the status of an insurance transaction
How can you find out about information we have about you?
You have the right to know what kind of information we keep in our files about
you, to have reasonable access to it, and to receive a copy. Contact us by the
means provided at the end of this notice if you have questions about what
information we may have on file. Tell us what information you would like to
receive. Provide your complete name, address, date of birth, and all contract
numbers issued to you by us. Certain types of information generally collected
when evaluating claims or possible lawsuits need not be disclosed to you.
Within thirty business days of receipt, we will inform you in writing of the
nature and substance of locatable, retrievable, and available recorded personal
or financial information about you in our files. We will also identify the
person or organizations to which we have disclosed this information within the
past two years. In addition, you will be given the name and address of any
consumer-reporting agency that prepared a report about you so you can contact
them for a copy of that report if you wish.
After you have reviewed the personal or financial information about you in our
file, you can contact us if you believe it should be corrected, amended, or
deleted. Tell us what you think is wrong and why. We will consider your request
and within thirty business days, either change our files or advise you that we
did not and the reason why. If we do not make the changes, you will have the
right to insert into our file a concise statement containing what you believe
to be incorrect, relevant, or fair information and explaining why you believe
the information to be improper. We will notify persons designated by you to
whom we have previously disclosed information of the change or your statement.
Subsequent disclosures we make will also include the change to your file or a
copy of your statement.
How to contact us?
You may contact us at:
Agency Services, Inc.
PO Box 8959
Elkridge, MD 21075-8959
Tel: 800.339.9192; Fax: 410.684.2942