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PURPOSE OF THIS
NOTICE
Title V of the Gramm- Leach-Bliley Act (GLBA) and the
laws of the State of Tennessee, generally prohibit us
from sharing nonpublic personal information about you
with a third party unless we provide you with this
notice of our privacy policies and practices describing
the type of information that we collect about you and
the categories of persons or entities to whom that
information may be disclosed. In compliance with the
GLBA and the laws of this State, we are providing you
with this document, which notifies you of the privacy
policies and practices of McDaniel - Whitley, Inc.
The laws of this State further require that we inform
you that we may not share your personal information with
a non-affiliated third party for any purpose that is not
specifically authorized by law unless we obtain your
affirmative permission.
OUR PRIVACY
POLICIES AND PRACTICES
1. Information we
collect:
A. Categories
of Information Collected and Sources From Which We
Collect:
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We collect
nonpublic personal information about you from
the following sources
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Information
we receive from you on applications or other
forms.
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Information
about your transactions with our affiliates,
others or us.
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Information
we receive from registry of motor vehicles.
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Information
we receive from medical records or medical
professionals;
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Information
we receive from personal interviews;
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Unless it is
specifically stated otherwise in an amended
Privacy Policy Notice, no additional information
will be collected about you.
B. Persons
From Whom Information is Collected
2. Information we
may disclose to third parties:
In the course of our general business practices, we may
disclose the information that we collect (as described
above) about you or others without your permission to
the following types of institutions for the reasons
described:
a) To a third party if the disclosure will enable that
party to perform a business, professional or insurance
function for us;
b) To an insurance institution, agent, or credit
reporting agency in order to detect or prevent criminal
activity, fraud or misrepresentation in connection with
an insurance transaction;
c) To an insurance institution, agent, or credit
reporting agency for either this agency or the entity to
which we disclose the information to perform a function
in connection with an insurance transaction involving
you;
d) To a medical care institution or medical professional
in order to verify coverage or benefits, inform you of a
medical problem of which you may not be aware, or
conduct an audit that would enable us to verify
treatment;
e) To an insurance regulatory authority, law
enforcement, or other governmental authority in order to
protect our interests in preventing or prosecuting
fraud, or if we believe that you have conducted illegal
activities;
f) To a group policyholder for the purpose of reporting
claims experience or conducting an audit of our
operations or services;
g) To an actuarial or research organization for the
purpose of conducting actuarial or research studies;
In addition to those circumstances listed above, and
unless you tell us not to, we may disclose certain
information about you to third parties whose only use of
the information will be for purposes of marketing a
product or service. Under no circumstances will we
disclose for marketing purposes any medical information;
information relating to a claim for benefit or, a civil
or criminal proceeding involving you; or personal
information relating to your character, personal habits,
mode of living or general reputation.
3. Notification That Certain Disclosures Require Your
Authorization:
As we have indicated in this Privacy Policy Notice, we
collect certain personal information about you, and we
may disclose that information to certain non-affiliated
third parties. We are permitted by law to disclose your
personal information in the circumstances described in
paragraph 2 without your permission.
4. Affiliates with whom we share certain information
protected by the Fair Credit Reporting Act, unless you
tell us not to:
A. Information
we can share with our affiliates, unless you tell us
not to:
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Information
we obtain from your insurance application, such
as your income or your marital status;
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Information
we obtain to verify representations made by you,
such as your open lines of credit; and
-
Information
we obtain from a person regarding its
employment, credit, or other relationship with
you, such as your employment history.
B. Our affiliated
companies who may receive this information are:
C. How to tell us
not to share this information with our affiliated
companies:
5. Your
right to access and amend your personal information:
You have the right to request access to the personal
information that we record about you. Your right
includes the right to know the source of the information
and the identity of the persons, institutions or types
of institutions to whom we have disclosed such
information within 2 years prior to your request. Your
right includes the right to view such information and
copy it in person, or request that a copy of it be sent
to you by mail (for which we will charge you a
reasonable fee of $50.00 to cover our costs). Your right
also includes the right to request corrections,
amendments or deletions of any information in our
possession. The procedures that you must follow to
request access to or an amendment of your information
are as follows:
To obtain access to your information: You should submit
a request in writing to Richard H. Whitley at the above
address. The request should include your name, address,
social security number, telephone number, and the
recorded information to which you would like access. The
request should state whether you would like access in
person or a copy of the information sent to you by mail.
Upon receipt of your request, we will contact you within
30 business days to arrange providing you with access in
person or the copies that you have requested.
To correct, amend, or delete any of your information:
You should submit a request in writing to Richard H.
Whitley at the above address. The request should include
your name, address, social security number, telephone
number, the specific information in dispute, and the
identity of document or record that contains the
disputed information. Upon receipt of your request, we
will contact you within 30 business days to notify you
either that we have made the correction, amendment or
deletion, or that we refuse to do so and the reasons for
the refusal, which you will have an opportunity to
challenge.
6. Our practices regarding information
confidentiality and security:
We restrict access to nonpublic personal information
about you to those employees who need to know that
information in order to provide products or services to
you. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard
your nonpublic personal information.
7. Our policy regarding dispute resolution:
Any controversy or claim arising out of or relating to
our privacy policy, or the breach thereof, shall be
settled by arbitration in accordance with the rules of
the American Arbitration Association, and judgment upon
the award rendered by the arbitrator(s) may be entered
in any court having jurisdiction thereof.
8. Reservation of the right to disclose information
in unforeseen circumstances:
In connection with the potential sale or transfer of its
interests, McDaniel - Whitley, Inc. and its affiliates
[if any] reserves the right to sell or transfer your
information (including but not limited to your address,
name, age, sex, zip code, state and country of residency
and other information that you provide through other
communications) to a third party entity that
(1) Concentrates its business in a similar practice or
service; (2) agrees to be McDaniel - Whitley, Inc.'s
successor in interest with regard to the maintenance and
protection of the information collected; and (3) agrees
to the obligations of this privacy statement. |
