CAL-PRO Commercial Insurance Services Inc.

PRIVACY NOTICE

This notice is in effect as of June 15th, 2005

THIS NOTICE DESCRIBES HOW PERSONALLY IDENTIFIABLE FINANCIAL OR HEALTH INFORMATION (PERSONAL INFORMATION) ABOUT YOU

MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS

TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

  1. Statement of Our Duties

    We are required by law to maintain the privacy of your personal information and to provide you with this notice of our privacy practices and legal duties. We are required to abide by the terms of this notice. We reserve the right to change the terms of this notice and to make any new provisions effective to all of the personal information that we maintain about you. If we revise this notice, we will provide you with a revised notice by mail.

  2. Statement of Your Rights
  • You have a right to know how we may use or disclose your personal information. This notice informs you of those uses and disclosures. There are certain uses and disclosures of your personal information that we are permitted or required to make by law without your permission. For all other uses and disclosures, we first must obtain your permission. In addition, you have the following rights:
  • The right to request that we place additional restrictions on our uses and disclosures of your personal information. However, we are not obligated to agree to impose any such additional restrictions.
  • The right to access, inspect and copy the protected information pertaining to you that we maintain in our files about you, and the right to have us correct or amend any information that we create in error. Requests to access or amend your personal information should be sent to the contact person and address provided in paragraph 8. Please include your name, address, telephone number, policy number and a photocopy of a picture I.D. for identification purposes. We will make the requested change or explain why we did not do so. If we do not make the requested change, you may submit a short written statement identifying the disputed information, which will be included in all future disclosures of your personal information.
  • The right to receive an accounting of the disclosures of your personal information that we make for purposes other than activities related to your treatment, or our payment functions or other business operations.
  • The right to request that you receive communications of personal information in a confidential manner.
  • The right to obtain a paper copy of this notice from us on request, if you received this notice on the internet.
  1. Information We Collect About You

We collect the following categories of information about you from the following sources:
  • Information that we obtain directly from you, in conversations or on applications or other forms that you fill out.
  • Information that we obtain as a result of our transactions with you.
  • Information that we obtain from your medical records or from medical professionals.
  • Information that we obtain from other entities, such as health care providers or other insurance companies, in order to service your policy or carry out other insurance related needs.
  • Information that we obtain from the Department of Motor Vehicles or other consumer reporting agencies.
  • Information that we obtain from you via the internet. We do not collect any personal information from your computer without your consent.
  1. Permissible Uses and Disclosures of Personal Information
  • We may disclose your personal information to a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
  • We may disclose your personal information 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.
  • We may disclose your personal information 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.
  • We also may use or disclose your personal information without your written permission for other purposes permitted or required by law, including the following:
    • As authorized by and to the extent necessary to comply with workers compensation or other no-fault laws.
    • To an oversight agency for activities including audits or civil, criminal or administrative proceedings.
    • To a public health authority for purposes of public health activities (such as to the Food and Drug Administration to report consumer product defects).
    • To a law enforcement official for law enforcement purposes or in response or in response to a court order or in the course of any judicial or administrative proceeding.
    • To a government authority, including a social service or protective services agency, authorized to receive reports of abuse, neglect or domestic violence.

In certain limited circumstances, we may use or disclose your personal information after we have given you an opportunity to object and you have not objected. Specifically, when your policy is about to be renewed, we may share your personal information with other insurance companies in order to obtain alternative quotes or provide you with a better plan or price. If you do not want us to do that, you may "opt out", as explained below.

If you do NOT want us to attempt to obtain better coverage or better pricing from a different insurance company when your policy comes up for renewal, you may tell us now. By "opting out", you will instruct us NOT to share or disclose any personal information with other insurance companies for the purpose of obtaining renewal premium quotations.

If you wish to "opt out", you may do so by one of the following means:
  • Use our online form located here. Complete the form and send it to us electronically.
  • If you do not have access to our website, or do not wish to contact us electronically, please call us at 888-593-1346. We will provide you with the appropriate form.

We may share information about you if we do not hear from you within 30 days of the date you receive a written notice from us. However, you may "opt out" at any time, by writing to us or calling us. Even if you "opt out", we may still disclose information as allowed by law.

All other uses or disclosures of your personal information will be made only with your written permission, and any permission that you give us may be revoked by you at any time.
  1. Complaints About Misuse of Personal Information

    You may complain either directly to us or (regarding protected health information) to the Secretary of Health and Human Services if you believe that your rights with respect to our protection of your personal information have been violated. To file a complaint with us, please submit it in writing to the contact person designated in paragraph 8. The request should include your name, address, telephone number, policy number, a photocopy of a picture ID for identification purposes and the facts regarding the complaint. You will not be retaliated against in any way for filing a complaint.

  2. Our Practices Regarding Confidentiality and Security

    We restrict access to 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 personal information.

  3. 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.

  4. Contact Person For Filing Complaint or Obtaining Further Information

 

Compliance Department

CAL-PRO Commercial Insurance Services INC.

3175 Sunset Blvd., Suite 107

Rocklin, CA 95677

 

IMPORTANT PRIVACY CHOICES

CALIFORNIA OPT-OUT FORM

 
Date:
Please do not share my "nonpublic personal financial information" with another insurer in an effort to obtain a renewal policy or more favorable terms than my existing policy.
Name:
Name of Company:
Street Address:
Unit:
City
State:
Zip:
Phone:
Signature:
Title:



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