YOUR PERSONAL INFORMATION?

     

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include: _________________________________________________________________________ ◼ Social Security number and insurance claim history

◼ Medical information and employment information
◼ Credit scores and credit based insurance scores __________________________________________________
When you are no longer our customer, we continue to share your information as described in this notice.

 

How?

All financial companies need to share customer personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer personal information; the reasons Daigle & Travers Insurance Agency chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Daigle & Travers Insurance Agency share?

Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

Questions?

Call (203) 655-6974 or go to www.crossinsurance.com

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Who we are

Who is providing this notice?

Daigle & Travers Insurance Agency

 

What we do

How does Daigle & Travers Insurance Agency protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law and state law where applicable. These measures include computer safeguards and secured files and buildings.

How does Daigle & Travers Insurance Agency collect my personal information?

We collect your personal information, for example, when you

______

◼ apply for insurance or provide employment verifications ◼ pay insurance premiums or give us contact information ◼ show your government issued ID

Why can’t I limit all sharing?

Federal law gives you the right to limit only

_____________________

◼ sharing for affiliates’ everyday business purposes— information about your creditworthiness

  • ◼  affiliates from using your information to market to you

  • ◼  sharing for nonaffiliates to market to you ___________________

    State laws and individual companies may give you additional rights to limit sharing.

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. _________________________
◼ Daigle & Travers Insurance Agency does not share with affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. _______________________
◼ Daigle & Travers Insurance Agency does not share with non- affiliates

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. _____________
◼ Daigle & Travers Insurance Agency does not jointly market.

 
 

Other important information

Connecticut, Maine, Massachusetts, New Hampshire, New York, Vermont, Florida and Rhode Island Customers:
We may obtain personal information about you from credit reporting agencies, government agencies and health care professionals, or from other sources.

If you authorize us to do so, we may obtain personal information about you from investigative consumer reports prepared by third parties, including insurance support organizations, at our request. If we request such information, you have the right to request to be interviewed in connection with the preparation of such a report; and are entitled to ask for and receive a copy of the report. Information obtained from the report prepared by the third party may be retained by that third party and disclosed to other persons.

You have the right to request access to your information. Your right includes the right to know the source of the information and the identity or types of persons, entities or institutions to whom we have disclosed such information within 2 years prior to your request. If there is not a record indicating that the information was provided to another party, we will tell you to whom we normally disclose such information. Your right includes the right to view the information and copy it in person, or request that a copy be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). However, we will not provide you with medical record information supplied by a medical care institution or medical professional directly without first obtaining the permission of the medical professional. Your right also includes the right to request corrections, amendments or deletions of any information in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:

Submit a request in writing to Privacy Office, Cross Financial Corp., P.O. Box 1388, Bangor, Maine 04402. The request should include your name, address, social security number, telephone number and a description of the information. To access your information, your request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange your receipt of the information. If your request is to change or delete your information, we will notify you within 30 business days that we have made the correction, amendment, or deletion, or we will reinvestigate the disputed information. Upon completion of our investigation, we will either correct, amend, or delete such information or notify you of our refusal to do so and the reasons for the refusal, which you will have an opportunity to challenge.

You have the right to learn the reason of an adverse underwriting decision. If we do not provide you with the reason, you have the right to submit a request in writing for the specific reason. If we receive your written request within 90 business days of notifying you of the adverse decision, we will, within 21 business days of receiving your written request, inform you in writing of the specific reason for the adverse decision, the information on which we relied in so reasoning, and the name and address of the source(s) that supplied the information, except as limited by applicable law.

You have the right, with very limited exceptions, not to be subjected to pretext interviews.

Cross Insurance-Augusta, Cross Insurance-Bangor, Cross Insurance-Bath, Cross Insurance-Belfast, Cross Insurance- Portsmouth, Cross Insurance-Laconia, Cross Insurance-Lewiston, Cross Insurance-Manchester, Cross Insurance-Portland, Cross Insurance-Union, Cross Insurance-Windham, Cross Insurance – MDI, Insurance Shoppers, Cross Insurance-Rhode Island, The Driscoll Agency, Cross Insurance-Wakefield, Sennott Insurance Agency, Corcoran & Havlin Insurance Group, Schonning Insurance Agency, Knapp Schenck & Company Insurance Agency, Cross Insurance-Pittsfield, Brown Thayer Shedd Insurance Agency, McCrillis & Eldredge Insurance, Appleby & Wyman Insurance Agency, Inc., Cross Insurance TPA, Inc., Skillings Shaw & Associates, Cross Surety, Inc., President Insurance Agency, Cross Benefit Solutions, Provider Insurance, ACBI Insurance, Fair & Yeager Insurance Agency, Charles Goodman Insurance Agency, Rand Insurance, Daigle & Travers Insurance Agency, McSweeney & Ricci Insurance Agency, Boston Marine Insurance Services, Cross Private Client Insurance and Bedford Insurance Brokerage.

“Cross Insurance, Inc.-Connecticut dba Daigle & Travers Insurance Agency is legally organized as a Maine business corporation and is separately and locally managed and operated as a wholly owned subsidiary of Cross Financial Corp., Bangor, ME.”