Foradora Insurance
Privacy Policy

Introduction:

As a current customer of Foradora Insurance, we would like to take this opportunity to both thank you for your business and to share with you the importance our agency places upon protecting the privacy of information we gather from you in accordance with applicable state and federal laws.
Foradora Insurance is a member of the insurance services industry and, as such, our agency has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your information. The following is Foradora Insurance’s privacy policy regarding the customer information we collect. Contained in this privacy policy you will find (1) an explanation of the types of information Foradora Insurance collects from our clients and the means used to collect such information, (2) an explanation of how Foradora Insurance shares the information collected from our clients, and (3) an explanation of how Foradora Insurance protects client information.

Information we collect and the means used to collect:

Foradora Insurance collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. Foradora Insurance collects this necessary information from the following sources:

•        Information we receive from you on application this information may include, but is not limited to, your name, address, phone number (s), age, sex, date of birth place of birth, social security number and other demographic information.

•        Information about our clients’ transactions with us.  This information may include, but is not limited to, claims and payment history.

•        Information we receive from a consumer-reporting agency.  This information may include, but is not limited to, a driving record or insurance score report.
To collect customer information from the above-stated sources, Foradora Insurance may use the following means of communication to gather information: written, in-person, telephone, facsimile, electronically and online.

How we share client information with non-affiliated third parties:

We do not share information about our customers or former customers with non-affiliated third parties except as permitted by law, such as for completing a requested transaction and/or if authorized by our customer.

Foradora Insurance may disclose the personal information listed above with non-affiliated third parties for the following non-exclusive reasons:

•        Information that is necessary to service or process the insurance needs of our clients, in a manner that is consistent with the usual and customary services provided by independent insurance agents. Such usual and customary services or processes provided by Foradora Insurance to its customers include, but are not limited to, underwriting, quoting your renewal, rating, placement, and providing quotes for insurance that is germane to the coverage the customer places with our agency.

•        Information that is necessary to protect the confidentiality or security of our client’s records.

•        Information that is necessary to resolve client disputes or inquiries.

•        Information that is required by individuals or entities who are assessing our legal compliance.

•        Information that is required for Foradora Insurance to comply with the law.

•        Information that is necessary to an actuarial or research organization for the purpose of conducting actuarial or research studies.

•        Information that is necessary to protect against or prevent fraud, unauthorized transactions, claims or other liability.

•        Information that is necessary for the purpose of performing administrative services on our behalf, helping us administer or review a claim, where we feel it necessary to protect our interests, or as requested by a governmental agency

How we share client information with affiliated parties:

We do not share client information with any affiliates or outside parties.    

Our practices regarding information confidentiality and security:

We maintain physical, electronic and procedural safeguards to guard your information; these safeguards include but are not limited to the following:

•        We restrict access to nonpublic personal information about our clients and former clients to those employees who need to know that information in order to assist in providing services or products to the customer.

•        We will punish any employees who impermissibly share client information.

•        We use a secure Internet and e-mail provider to protect the confidentiality of electronic communications.

•        Our employees are trained on how to keep our customers’ information safe.

•        We use and share your non-public personal information to the extent minimally necessary to administer the products and services in which you are enrolled.

 

If you prefer that Foradora Insurance not disclose personal information about you to third parties (except under an expressly recognized exception to the Gramm-Leach Bliley Act’s opt out requirement), you may call us at (814) 372 – 1090.

Foradora Insurance appreciates your business and in order to continue building upon that relationship we believe it is necessary, not only from a legal standpoint, but also as a sound business practice that our customers understand the care our agency uses in handling your information. Foradora Insurance will continue to monitor the effectiveness of this privacy policy.