as of July, 2001
Purpose of this notice
Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of New Jersey, 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 Boynton & Boynton.
Our Privacy Policies & Practices
1. Information We Collect:
A. Categories and Sources of Information Collected
We collect non-public personal information about you from the following sources:
- Information we receive from you on applications or other forms.
- Information about your transactions with us, or affiliates or others.
- Information we receive from a consumer reporting agency.
- Information we receive in the course of processing insurance claims.
- Information we receive from medical records or medical professionals.
B. Persons from whom information is collected
We may collect non-public personal information from individuals other than those proposed for coverage.
C. Information from credit reports or investigative consumer reports
If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we do request such information, you should be aware that:
- You have the right to request to be interviewed in connection with the preparation of such a report.
- Upon request, you are entitled to receive a copy of the report.
- The information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.
2. Information We May Disclose To Third Parties:
A. 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.
- 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.
- To an insurance institution, agent, or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you.
- 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.
- To an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud;
- To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
B. We may disclose personal information about you, such as we have described above, to the following types of third parties that perform marketing services on our behalf or with whom we have joint marketing agreements:
- Fulfillment service providers; such as envelope stuffing services.
- Financial institutions with whom we have join marketing agreements.
- Insurance providers.
- Securities brokers or dealers.
We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.
3. 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 may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information in your possession. The procedures that you must follow to request access to an amendment of your information are as follows:
To obtain access to your information, you should submit a request in writing to:
Boynton & Boynton
Non-Public Personal Information
21 Cedar Avenue
Fair Haven, NJ 07704
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 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.
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4. Our Practice 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.
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5. Our Policy Regarding Dispute Resolution:
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6. Reservation Of The Right To Disclose Information In Unforeseen Circumstances:
1) Concentrates its business in a similar practice or service
2) Agrees to Boynton & Boynton’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