Mel Foster Insurance

Privacy

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Privacy

Your privacy is important to Mel Foster Insurance!

The commitment Mel Foster Insurance is providing you, our Customer, is to offer you the finest insurance products with above and beyond service.  While information is fundamental to our ability to serve our Customers, we recognize the importance of maintaining the privacy of your personal information. Therefore, we pledge the following principles for gathering & sharing our consumer information.

  • We do not and will not sell your personal information to anyone.
  • We maintain physical, electronic and procedural safeguards that comply with applicable privacy regulations in order to protect your non-public personal information. 
  • We collect and use Customer information only to the extent required to conduct our business and to meet the highest quality service standards.
  • We require any organization that helps us serve our Customers to meet our privacy standards. 
  • We exchange Customer information with non-affiliated entities only to the extent required or permitted by law, for underwriting, administrative or risk management purposes, verification, and to detect and prevent fraud. 

Gathering of Information 

We obtain information about you, our Customer, from your applications, transactions, and other interactions with us, as well as credit reporting agencies and other third parties.  We obtain and use this information only in accordance with the applicable law or in response to your request for a contract with us.  The information we gather helps us identify who you are, manage our relationship with you, and develop insurance products and services that meet your needs.

Sharing of Information

We are dedicated to serving our Customers' needs for privacy.  We do NOT share our Customers' non-public personal information with non-affiliated companies except as permitted or required by law.  We restrict access to your non-public personal information to our employees and agents who need to know that information to provide our products or services to you.  We will not reveal our Customer information to any external organization unless we have previously informed our Customer in this or other disclosures or agreements, have been authorized by our Customer, or are otherwise required by law to do so. 

We will not use or share with non-affiliated companies personally identifiable medical information for any purposes other than the underwriting or administration of our Customer's policy or claim, or as disclosed to our Customer when the information is collected, or purposes which our Customer consents to.

Monitoring of Privacy Practices 

We will monitor our practices to insure that our Customers' privacy is respected.  We will also conduct our business in a manner that meets the privacy regulations of any state in which we do business.

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 rule of the American Arbitration Association, and judgment  upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Reservation of the Right to Disclose Information in Unforeseen Circumstances

In connection with the potential sale or transfer of its interests, Mel Foster Insurance and its affiliates reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be Mel Foster Insurance's successor in interest with regard to the maintenance and protection of the information collected and (3) agrees to the obligation of this privacy statement.