Because we value you as a customer of the Belvidere Mutual Insurance and we take your personal privacy seriously, we have established the following privacy and confidentiality policy:
We do not sell
customer information.
We do not provide
customer information to persons or organizations outside of Belvidere
Mutual Insurance who are doing business on our behalf for their own marketing
purposes.
We expect any person
or organization providing products or services to customers on our behalf
to protect the confidentiality of Belvidere Mutual Insurance customer
information.
Within Belvidere Mutual Insurance we emphasize the importance of protecting your personal information and that customer information is to be handled in strict confidence.
What kind of personal information do we have and how do we obtain it?
We collect and use information we believe is necessary to administer
our business, to advise you about our products and services, and to
provide you with customer service. We may collect and maintain several
types of customer information needed for these purposes. The following
are examples of the types of information we may collect and how this
information is obtained:
From you, (on applications
for our insurance products or on other forms, through telephone or in-person
interviews and your Belvidere Mutual Insurance agent), such as your address,
telephone number, and employment.
From your transactions
with us, such as your payment history, underwriting and claims documents.
You may also perform certain transactions on our web site.
From non-Belvidere
Mutual Insurance Companies, such as claim history.
From consumer reporting
agencies, such as your credit history.
How is this information used?
We use customer information to underwrite your policies, process your
claims, ensure proper billing, service your accounts, and offer you
other Belvidere Mutual Insurance insurance products that we believe
may suit your needs.
How is this information used?
We use customer information to underwrite your policies, process your
claims, ensure proper billing, service your accounts, and offer you
other Belvidere Mutual Insurance insurance products that we believe
may suit your needs. With whom is this information shared? We do not
share information about you except as permitted by law. We do not give
or sell our customers’ nonpublic personal information to other companies
for their marketing purposes. We share information about our transactions
(such as payment of premium) and experiences (such as an claims) with
you within the Belvidere Mutual Insurance and with Belvidere Mutual
Insurance agents to better serve you and to assist in meeting your
current product and service needs. We may also disclose customer information
about you to persons or organizations inside or outside the Belvidere
Mutual Insurance as permitted or required by law, including companies
that perform marketing services for us or with whom we have joint marketing
agreements. These agreements allow us to provide a broader selection
of insurance and financial products to you today.
We may share information about you with the following types of third
parties without your consent:
Our affiliated
companies;
Your independent
agent or broker;
Parties who perform
a business, professional or insurance function for our company, including
our reinsurance companies;
Independent claims
adjusters, appraisers, investigators, medical professionals, and attorneys
who need the information to investigate, defend or settle a claim involving
you;
Other insurance
companies, agents or consumer reporting agencies as necessary in connection
with any application, policy or claim involving you;
Insurance support
organizations that are established to collect information for the purposes
of detecting and preventing insurance crimes or fraudulent claims;
Medical care institutions
or medical professionals to verify coverage or conduct an audit of services;
Insurance regulatory
agencies in connection with the regulation of our business;
Law enforcement
or other governmental authorities to protect our legal interests or in
cases of suspected fraud or illegal activities
Persons or organizations
that conduct scientific research, including actuarial or underwriting
studies, provided that no individual may be identified in the studies;
If ordered by a
summons, court order, search warrant or subpoena.
Information relating to our customers has always been considered confidential within our company. Our employees understand that customer information is to be handled in strict confidence and that they are held responsible for the internal security of confidential information. We maintain physical, electronic, and organizational safeguards to protect customer information. We continually review our policies and practices and test the strength of our security in order to help us ensure the safety of customer information. Communications with our web site that contain confidential information require that a “secure session” first be established. Such communication between the Belvidere Mutual Insurance and its customers is encoded using Secure Socket Layer (SSL) technology.
If you have any questions or comments about our privacy policy please submit them to:
860 Biester Drive, Suite 201
Belvidere IL. 61008
