This is our privacy notice to you. You have probably received similar notices from other insurance companies, banks, and credit car companies. You receive these sorts of notices because federal and state laws require your financial institutions to explain how they handle your "nonpublic personal information."
"Nonpublic personal information" is personal information about you or your finances that you provide to us or we obtain when we do business with you. This information is generally private and unavailable to the general public.
When we refer to "we" or "us", we mean Arbor Insurance Agency, Inc.
On this page, we explain the Arbor Insurance "Privacy Policy"– how we handle your information and keep it private.
Here is the bottom line on our privacy policy:
•We do not sell your information to anyone.
•We do not share your information with anyone but your own Affiliates and the persons who provide services to us when we do work for you.
•Within our company, we communicate the need to protect your information to those who may have access to it.
• We will continue to protect your information after you are no longer our customer.
We collect and disclose different kinds of personal information about you
We collect and may share information about you that is not publicly available. We may share this information now or in the future. We do this for several reasons: to serve you, to identify you as our customer or former customer, to process your policy and requests quickly, and to pay your claim.
Information from you – when submitting your application or requesting an insurance quote, you may give us information such as your name, address, telephone number, birth date, driver's license number, and social security number.
Information about your transactions – we may keep information about our transactions with us, such as the products you purchase through us, the amount you paid for insurance, your account balances, or payment history.
From other outside sources – we may also collect other information. This may include information from consumer reporting agencies such as your credit history, credit scores, your driving record, your employment, or we may ask a doctor for more information about your medical history.
We share your information with service providers who help us to help you
Sometimes we may share your information with a company or business that is not officially connected to us but who may do work on our behalf. These service providers need access to your information to provide these operational or other support services. Examples of the sorts of services that these companies may do are printing payment coupons, preparing or mailing account statements, processing customer transactions or software programming, or claims adjusting.
We also share your information for other legal and routine business reasons
The privacy laws permit us to disclose information we have about you in other situations. We can disclose your information:
•If you say we can or tell us to
•To protect against insurance fraud or unauthorized transactions
•To control the risk of our insurance transactions, to resolve a dispute between us, or to answer your questions.
•To persons who hold some legal or beneficial interest relating to you.
•To persons who are acting in a fiduciary or representative on your behalf.
•To industry and professional organizations that ask for customer information in order to conduct research studies that never identify individuals.
•To state guaranty funds or agencies, and our examiners, attorneys, accountants, and auditors.
•To a consumer reporting agency, or from a consumer report from a consumer reporting agency.
•To an actual or potential buyer in some or all of this company.
•To comply with federal, state, or local laws, rules, and other applicable legal requirements.
•To comply with a civil, criminal, or regulatory investigation, subpoena, or summons by a government authority.
•To respond to our regulators.
•If otherwise required by law.
We do not share your information with anyone else
The insurance companies, banks, and credit card companies with which you deal sometimes share your information with other banks, motor vehicle manufacturers or dealers, health clubs, travel agencies, etc. so they can offer you their own financial or non-financial products or services.
We do not share your information with any such outside companies.
Do you have questions?
If you have any questions concerning this notice, please contact our Agency, write to us at 2750 Carpenter Rd, Ann Arbor, MI 48108, or visit our website at www.arborinsurance.com.