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We do not sell or rent to anyone the information you
have entrusted to us;
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We do not share your personal information with
non-affiliated companies who want to market their products or services to
you (except at your request or with your consent);
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We do not offer an opportunity for you to prevent or
"opt-out" of information sharing since we only share personal information
with others as allowed by law; and
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You do not need to contact us to benefit from our
privacy protections.
To help you understand how we protect your personal information, this notice
describes our current privacy policy and practices. We will advise you of our
privacy policy and practices at least once a year, as required by law.
Our Security Standards
We have high security standards to keep the information we have about you
safe. We maintain strict control over access to your information. The only
employees who are permitted to access your information are those with a business
need to know. Our standards to safeguard this type of information meet or exceed
the requirements of federal and state law.
Information We May Collect and Use
So that we can provide our products and services to you, we must collect
personal information. The type of information we collect depends on the products
and services you are interested in and whether you are the proposed insured. For
example, we may collect your name, address, and telephone number. And we may
collect other information such as your health, financial, and employment
history. We may also collect information to confirm your identity.
We may gather information about you from sources such as:
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Applications or claim forms, and required medical exams or tests;
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Written, electronic, telephone and other
communications from you;
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Medical providers, consumer reporting agencies, and
other companies with whom you do business;
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Your transactions with us and others, such as policy,
payment and claim information.
We collect most information at the time of application or claim. However, we
may need more information if you request a change to your contract or other
service.
In some cases, we may use an insurance support organization or an
investigative consumer agency to collect information that we need. They may keep
a copy of their report to us. They may also share its contents with others for
whom they perform such services. These disclosures are made only as allowed by
law and with appropriate authorization from you.
Confidentiality of Medical Information
You may have a special concern about the privacy of your medical information.
We do not sell or rent to anyone your medical information; nor do we disclose it
to others for marketing purposes. We only use and share personally identifiable
medical information for the following purposes:
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to
underwrite insurance;
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to
administer your policy or claim; and
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for
other purposes as allowed by law, such as in response to legal process.
Information We May Disclose
We work hard to protect the information we have about you, but sometimes it
is necessary for us to share your information with others. We may share personal
information we have about you as allowed by law. For example, we may share your
information with third parties that perform services for us. In addition, your
Tricap Financial Services Financial Representative, and others assisting your
Financial Representative, have access to the information that they need to
provide service to you. They may also use this information to advise you of
other financial products and services offered by affiliates of Tricap Financial
Services.
We may work with outside firms to help us develop our marketing approaches.
We may share with such firms certain identifying and non-medical transaction
information, as described above. We also may share this type of information
within the Tricap Financial Services’ affiliates. This helps us to provide you
with better service. This also makes it possible for us to advise you of other
financial products and services we offer to meet your needs. We do not offer an
opportunity for you to prevent this type of sharing, which is allowed by law.
When we hire other parties to help us conduct our business, we require them
to protect your personal information. Further, we do not permit them to use or
share your personal information for any purpose other than the work they are
doing on our behalf or as required by law.
We treat the information of our current and former customers in the same
manner.
Generally, you have the right to review personal information we have about
you. You must request this in writing. We may charge you for copies of records
you request. We will not make available information we have collected in
connection with or in anticipation of a claim or legal proceeding. If you
believe that any of our records are not correct, you may notify us in writing of
any corrections you believe should be made. If you have questions about
accessing or correcting your information, please direct them to the address
provided below.
