2024

PRIVACY NOTICE

 

From Your Agent, Dina D. Collins, Cornerstone Insurance Services

 

 

Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of CA, generally prevent us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices. In compliance with GLBA and the laws of CA, we are providing you with this document. Your privacy is important to us, and we take the privilege of being your advisor seriously. We are committed to protecting the security of your personal and financial data.

 

We collect only the minimum data required to deliver products and services to you:

The data we collect varies with the type of product you request and may include:

 

Application Data       

Data you give us or the insurers we represent.  The data may change depending upon the type of policy you purchase.  Examples are your assets, income, social security number(s), medical records, family data, address, employer(s), and account or policy data, etc.

 

Employer Data           

Data from your employer, benefit plan sponsor, etc., on any group products we may provide.  Examples are your name, address, income, medical records, family data, job description, and social security number(s), etc.

 

Transaction and Experience Data      

Data about your contact with our business partners and us.  Examples are payment history, beneficiary changes, ownership changes, medical or dental or vision claims, disability claims, long term care claims, etc.

 

Third Parties              

Consumer Reporting Agencies, Dept of Motor Vehicles, Physical Examination services, etc.

 

We limit how, when and where we share your data.

 

First                           

We do not sell your personal, medical or financial data to anyone.

 

Second                       

We do not share your medical data for any purpose other than to complete an insurance transaction requested by you or if the law requires it.

 

Third                          

We do not share customer data with anyone unless allowed or required by law or with your permission. We share only the data that is needed to complete your insurance transaction. We may disclose all the data described above under limited circumstances.  All agents and service personnel of our office may be authorized to assist with your account or process your requests.  Examples of when we may share data include to:

• Service your account or policy such as ID cards, billing and payment data, etc.

• Process, pay or research a claim.

• Process a request by you such as adding or deleting a spouse or child, changing coverage levels, changing beneficiaries, etc.

• Protect your account or policy from fraud or theft.

• Underwrite a policy.

 

 

We may share data with the following persons or entities.

When legally possible, we require those we share your data with to maintain its security.  These include:

 

​

            TYPE                                    EXAMPLES

 

Support Help                                  Computer services, claim processors, mailing firms, attorney, CPA, etc.

 

Insurance Support Groups           Insurance physical exam firms, consumer reporting services, insurance enrollment                                                                   services, computer quoting services, etc.

 

Medical, Dental and Vision           Physicians, dentists, hospitals, etc.

Service Providers

 

Insurance Entity or HMO               Carriers or insurers you have coverage through, etc.

 

Law Enforcement,                          In response to a subpoena, a court order, to obtain government benefits,

Regulators, or the Courts              stop fraud or theft, etc.

 

Group Policy Holders                     Employers or groups you have coverage through, etc.

 

Lien Holders and Co-                     Others with a legal interest in the policy, etc.

Owners

 

Businesses Who Intend to            Other insurers or agents who intend to buy our business in whole or in part, etc.

Buy                                        

 

We maintain physical, electronic, and administrative safeguards to ensure the protection of data.

Only agents and service personnel from the firms listed below have access to data.  We have installed physical and electronic measures such as virus and firewall protection and other means to protect your data.  We physically secure your data and train staff about their duty to protect your data.

 

You have the right to access, copy review and request correction of the data we collect and maintain.

We act on all requests made to us in writing within 30 days of receipt.  We may charge a reasonable fee for copies if necessary.  In the event you believe there is an error in your data, you may request in writing that it be corrected.  We will notify you within 30 days of receiving the request to correct the data that it has been corrected or inform you why we were unable to make the requested change with an explanation.  If you

disagree in any way, you may supply us with a short statement as to why you disagree.  It will be filed with your personal data.  You may contact us at any time with questions at (916) 353-4882.

 

We will renew our Privacy Promise to you in writing yearly.

We may change our privacy policies and practices from time to time.  These changes may be a result of new laws or regulations, court rulings, changing business practices, etc.  If we do make material changes, we will notify you prior to making them.  You can contact our office and get a copy of our latest privacy policy.