This Privacy Policy is provided to you by Bankers
Financial Corporation, Inc. and its subsidiary companies, including: Bankers
Insurance Group; Bankers Employer Services; Bankers Insurance Company; First Community Insurance
Company; Bankers Life Insurance Company; Bankers Underwriters of Texas,
Inc.; Bankers Underwriters, Inc.; Bankers Insurance Services, Inc.; Bonded
Builders Risk Management; and van Wagenen
Financial Services, Inc. (collectively called "Bankers" herein).
As your insurance and employer services company, we
recognize our obligation to keep information about you and your employees
secure and confidential. Most of the information we use in evaluating your
application and servicing your account comes to us directly from you. When
you apply to Bankers for any type of insurance or employer services, you
disclose information about yourself and your employees to us. The
collection, use and disclosure of such information is regulated by law.
Bankers, its agents, affiliates and subsidiaries maintain physical,
electronic and procedural safeguards that comply with state and federal
regulations to guard your personal information. We also limit employee
access to personally identifiable information to those with a business
reason for knowing such information. Bankers also instructs our employees so
that they understand the importance of confidentiality of personal
information, and takes appropriate measures to enforce employee privacy
responsibilities.
Bankers obtains most of our information directly from
you. The application you complete, as well as any additional information you
provide, generally gives us most of the information we need to know.
Sometimes we may contact you by phone or mail to obtain additional
information. We may also use information about you from your other
transactions with us, our affiliates, or others.
Depending on the nature of the insurance and services you
select, we may need additional information about you or other individuals.
We may send someone to inspect your business and verify information about
its value and condition, and the number of people you employ. We may review
insurance claims information and other loss information reports, and we may
also obtain medical or financial information to adjust some claims.
We may obtain the additional information we need from
third parties, such as other insurance companies, government agencies,
information clearinghouses, courts and other public records.
We may receive consumer credit information from a
consumer reporting agency ("CRA"). If we need to order a more detailed
investigative consumer credit report, we will notify you as required by
state laws and the federal Fair Credit Reporting Act ("FCRA"). Under the
FCRA, you have the right to ask to be personally interviewed if we order an
investigative consumer credit report. Upon request, we will tell you how to
get a copy of the report. The agency that prepares a consumer report for us
may retain that report and disclose it to other persons as permitted by law.
If insurance coverage is declined or the charge for coverage is increased
because of information contained in a consumer report we obtained from a
CRA, we will tell you as required by state law and the FCRA. We also will
give you the name and address of the CRA making the report.
Information that has been collected about you may be
retained in our records. We review it in evaluating your request for
insurance coverage and other employer services and in determining your
rates. We will also refer to and use information in our records for purposes
related to issuing and servicing insurance policies and settling claims. We
may use information about you in our files for insurance marketing purposes
or to help you with your overall insurance programs.
We may retain information about our former customers and
would only disclose that information to affiliates and non-affiliates as
described in this notice.
We usually will not disclose information about you
to others unless the disclosure is necessary to conduct our business.
We do not disclose any non-public personal information
about our customers or former customers, except as permitted by law. That
may mean that we could make disclosures to the following types of third
parties without your consent:
Our affiliated companies;
Your agent or broker;
Parties who perform a business, professional or insurance function for our company, including our reinsurance companies;
Independent claims adjusters, appraisers,
investigators and attorneys who need the information to investigate,
defend or settle a claim involving you;
Businesses that help us with data processing or
marketing;
Businesses that conduct scientific research including
actuarial or underwriting studies;
Other insurance companies, agents or consumer
reporting agencies as reasonably necessary in connection with any
application, policy or claim involving you;
Insurance support organizations which are established
to collect information for the purpose of detecting and preventing
insurance crimes of fraudulent claims;
Medical care institutions or medical professionals to
verify coverage or conduct an audit of services;
Insurance regulatory agencies in connection with the
regulation of our business;
Law enforcement or other governmental authorities to
protect our legal interests or in cases of suspected fraud or illegal
activities;
Authorized persons as ordered by a subpoena, warrant
or other court order or as required by law;
Certificate holders or policyholders for the purpose
of providing information regarding the status of an insurance
transaction;
Lienholders, mortgagees, lessors or other persons
shown on our records as having a legal or beneficial interest in your
policy;
Companies that perform marketing services on our
behalf or to other financial institutions with whom we have joint
marketing agreements.
Within 30 business days of receipt of your request, we
will inform you in writing of the nature and substance of locatable,
retrievable and available recorded personal information about you in our
files. You may review this information in person or receive a copy at a
reasonable charge. We will also identify the person or organizations to whom
we have disclosed this information within the past two (2) years. In
addition, you will be given the name and address of any consumer credit
agency that may have prepared a report about you so that you can contact
them for a copy of that report if you wish.
After you have reviewed the personal information about
you in our file, you can contact us if you believe it should be corrected,
amended or deleted. Tell us what you think is wrong and why. We will
consider your request and within 30 business days either change our files or
tell you that we did not and the reason. If we do not make changes, you will
have the right to insert in our file a concise statement containing what you
believe to be the correct, relevant, or fair information and explaining why
you believe the information on file to be improper. We will notify persons
designated by you to whom we have previously disclosed the information of
the change of your statement. Subsequent disclosures we make also will
include your statement.
To protect your information online, all Internet
traffic is scanned for viruses in real-time, ensuring that infected objects
are not saved to our computer system’s hard disk where they may transmit,
damage or delete information. Our system prevents dangerous scripts from
being launched on websites. An intrusion detection system monitors any
network activity that has the characteristics of a hacker attack. A firewall
program prevents hacker attacks by blocking connections from the hacker’s
computer with a high security, customizable firewall. Additional security
prevents confidential information (such as passwords, bank account numbers
and credit card details) from being stolen from our system.
Accounts are password-protected using strong
password settings so that only authorized users have access to specific
information stored in our files. Security is set up based on the password so
that access can be limited within accounts, both internally and externally.
Privacy Policy
