PRIVACY POLICY NOTICE  (May 2021)

In order for us to serve you for your insurance and financial service needs, you may provide us with nonpublic personal information.

We are committed to safeguarding your privacy; and, in compliance with Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of New Jersey, we are providing you with this notice of our Privacy Policy.

1. INFORMATION WE COLLECT:

The information we obtain depends upon the type of insurance or other financial product you request and may include: a) Information we receive from you verbally, in writing, or electronically on applications or other forms relating a product you have requested (examples: name, address, social security number, income and health history.) b) Information about your transactions with us or your transactions with companies, brokers or managing general agents for the product you have requested (examples: policy coverage, premiums, claim information, payment information)?: c) Information we receive from medical records or medical professionals (examples: insurance exam results, claim benefit information, medical history). d) Information we receive from companies or institutions that relate to underwriting or claims experience for the product you have requested (examples: claims history, property inspections, driving records). e) 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, 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 (examples: credit history, credit score, motor vehicle reports).

2. INFORMATION WE MAY DISCLOSE TO THIRD PARTIES:

In the course of our general business practices, we may disclose the information that we collect about you or others without your permission, in accordance with the law, for the following reasons: 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 or financial institution, agent, broker or credit reporting agency in order to: i. perform a function in connection with an insurance or financial transaction that you have requested (or) ii. to detect or prevent criminal activity, misrepresentation or fraud in connection with an insurance or financial product transaction. c) To an insurance or financial 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. d) To a group policyholder for the purpose of reporting claims experience or to assist in the handling of a claim on your behalf. e) To another entity or person as required by law or under subpoena to produce the information. f) To a third party to assist us in marketing our own products or service. However, we do not release any medical information, information relating to a claim for benefits, or personal habits, mode of living or general reputation. We do not sell or otherwise provide lists of our customers to third parties to market any non-financial products or services.

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 including the source of that information and to whom we have disclosed such information within 2 years prior to your request. You also have the right to request corrections to the information in our possession. You should submit a request in writing to the Office of the President at the address at the end of this policy statement. The request must include your name, address, social security number, and the recorded information that you would like to access, and whether you will pick up a copy of the documents in person or you wish to have it sent in the mail. We may charge a reasonable fee to cover our costs. Upon receipt of your request, we will contact you within 30 days to arrange providing you with access to the information requested. If you are requesting a correction to your information, we shall make that correction within 30 days or notify you that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

4. 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.

5. 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.

6. RESERVATION OF THE RIGHT TO DISCLOSE INFORMATION IN UNFORSEEN CIRCUMSTANCES:

In connection with the potential sale or transfer of its interests, our agency reserves the right to sell or transfer all of your information to a third party entity that: a) concentrates its business in a similar practice or service; b) agrees to be our successor in interest with regard to the maintenance and protection of the information collected; and c) agrees to the obligations of this privacy statement.

7. INSURANCE COMPANIES AND OTHER FINANCIAL PRODUCT PROVIDERS:

As an independent insurance agency, we place the product you have requested with an insurance company or other financial institution. In accordance with the law, each of those companies should provide you with their privacy policy. We urge you to review those policies carefully to determine if you need to take any steps to prohibit any release of your nonpublic personal information.

8. WE WILL KEEP YOU INFORMED:

As a valued customer, we respect your privacy concerns. We will provide you with an annual notice. In the event of changes in our privacy policy, we will provide you with an updated notice.