PURPOSE OF THIS INITIAL PRIVACY NOTICE

The purpose of this notice is to inform you of A. Francois Derendinger Insurance Agency, Inc.’s (“AFD”) privacy policies and procedures. We protect your nonpublic personal information (“NPI”) from disclosures that are not allowed by law or restricted or disallowed in this Initial Privacy Notice. AFD gives this Notice as a service to all valued customers and to comply with the requirements of the law.

This Initial Privacy Notice describes how AFD collects, discloses and protects the personal information we gather about you. We may materially change our privacy policies and procedures, and if we do we will notify you before we make the changes.

We gather two types of protected information about you. 1) Nonpublic personal information (“NPI”) and 2) non-public personal financial information (“NPFI”).

NPI includes any list, description or grouping of consumers that is derived using any personally identifiable information that is not publicly identifiable. It includes the medical, financial and character information that we gather to provide you with insurance as well as your name and address.

NPFI is the protected financial information we gather about you.

OUR PRIVACY POLICIES AND PROCEDURES

1) Categories of NPI We Collect. We collect several types of NPI about you and your dependents including: Name, address, birthdates, gender, avocations, employment information, including occupation and earnings, social security number, and medical history. 
2) Categories of NPI We Disclose. We do not share your NPI with anyone unless allowed by law. 
3) Categories of affiliates and nonaffiliated Third Parties to Whom We Disclose NPI.
      a) Affiliates. The law allows us to share your NPI with affiliates. However, AFD has no affiliates.
      b) Non-affiliated Third Parties. The law allows us to share your NPI with nonaffiliated third parties under certain circumstances. When it is lawful to do so we share your NPI with the following categories of nonaffiliated third parties: insurance entities such as insurance companies, their representatives and Business Associates, and non-insurance entities such as third-party administrators and medical providers.
       c) General Types of Businesses. The law allows us to share NPI with non-affiliated third parties whose only use will be in connection with the marketing of a product or a service. However, we do not share your NPI with third parties for marketing purposes.
4) Former Customers. The law allows us to share the NPI of former customers. However, we do not share the NPI of former customers.
5) Disclosure to an affiliate for Marketing Purposes. The law allows us to share your NPFI with our affiliates to market insurance products or services to you. However, we do not share your NPFI with our affiliates.
6) Opting Out of Disclosure to Nonaffiliated Third Parties. The law allows us to share NPFI with nonaffiliated third parties for marketing purposes. However, we do not share your NFPI with nonaffiliated third parties for marketing purposes.
7) Disclosures Made of NPFI Protected by the Federal Fair Credit Reporting Act. The law allows us to share non-transactional information you disclosed under the Fair Credit Reporting Act. However, we do not share this information.
8) How We Protect the Confidentiality and Security of NPI. We protect and safeguard your NPI. Employees 
of AFD sign confidentiality agreements and receive training in handling confidential information. Only licensed 
personnel have access to records, which are locked up during non-business hours. Commercial-grade 
shredders are used for paper waste, software diskettes and CD disks. Unless specifically authorized by law, 
we require your personal, written permission before releasing NPI to third parties.
9) Your Right to Access, Copy Review and Request Correction of NPI. You have the right to access, copy review and request correction of any NPI in our possession. You must make this request to us in writing and we have 30 days to allow you to review your NPI. If you believe that there is an error in the information, you may request in writing that it be corrected. We have 30 days from receiving the request to make the correction or to inform you as to why we will not make the requested change and the reasons why. If you disagree with the refusal, you may supply us with a concise statement why you disagree and it will be filed with your NPI.
10) Disclosure of NPI Under Specific Exceptions. The law allows or requires us to disclose NPI in the following situations:
    a) With your written authorization.
    b) To a non-insurance entity if it is reasonably necessary for us to properly do our business and the other entity agrees not to disclose the NPI.
    c) To an insurance entity if the disclosure helps the receiving party perform an insurance transaction for you or if it is reasonably necessary to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction.
    d) To a medical professional in order to:
        1. Verify coverage or benefits, conduct operations or service audits; or
        2. Inform a person of a medical problem they might not be aware of.
    e) To the Department of Insurance, law enforcement or other governmental entity including an administrative or court order, or as is otherwise required or permitted by law.
    f) To conduct actuarial or research studies if there are proper safeguards.
    g) To facilitate the sale of whole or part of an insurance business.
    h) To a person whose only use will be for marketing a product or service.          However please note:
       1. No medical or character information may be disclosed.
       2. You may “opt out” of the disclosure.
       3. The person getting the information agrees to use it only for marketing purposes.
     i) To an affiliate for an insurance audit or marketing an insurance product or service.
       1. The information can only be used by the affiliate and only for those purposes.
    j) By a consumer reporting agency if the information does not go to an entity.
    k) To a group policyholder to report claims experience or do an audit or to a certificate holder or policyholder to inform them of the status of an insurance transaction.
    l) To a professional peer review organization to review medical care.
    m) To the government to determine eligibility for health benefits.
    n) To a lien holder, etc. or any other having a legal interest in an insurance policy to the extent that the disclosure is needed to protect their interest.

A. Francois Derendinger Insurance Agency, Inc. * California Insurance License No. 0563986

Website Notice

We recognize that you have an interest in how we collect, retain and use information about you. A. Francois Derendinger Insurance Agency, Inc  has created this Privacy and Security Policy statement in order to demonstrate and communicate its commitment to doing business with the highest ethical standards and appropriate internal controls.

Information on our users is obtained through user-submitted request-for-more information forms. These forms require users to give us contact information (such as name, company or school name, e-mail address, street address, telephone and fax numbers and educational information). This information is used to provide the information to those who inquire about our business and services offered or employment opportunities. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust in their safekeeping and use.

If you have any questions about this Privacy and Security Policy statement, the practices of this website or your dealings with A. Francois Derendinger Insurance Agency, Inc , you can contact us using the Contact Us form on the website. We reserve the right to change this policy at any time by posting a new policy at this location.