S.J. Francis Insurance Agency
Consumer Reports Disclosure
&
Privacy Policy
Notice of Ordering
Consumer ReportsIn order to determine your premium and evaluate
your eligibility for insurance products, insurance companies obtain
reports provided by independent consumer reporting agencies, relating to
driving record (for automobile insurance), losses and credit. These
reports are used to verify and supplement information that you may
provide to us. If you wish, we will provide you with the name and
address of the consumer reporting agency from whom we order the report(s)
so you can obtain a copy, if desired. Examples of the type of consumer
reports we order include the following:
Motor Vehicle / Driving Record Reports-A motor vehicle report is
obtained from your state Motor Vehicle Department, or from an
independent consumer reporting agency that relies on such records. This
report reflects the driving record information they have on file for
you, or other operators under policy, including accidents and motor
vehicle violations.
Insurance Claim Reports-Insurance claim reports, such as C.L.U.E
(Comprehensive Loss Underwriting Exchange) and others, are provided by
independent consumer reporting agencies that collect claims information
from many insurance companies.
Insurance Scores-Insurance Scores are calculated for us using an
analytical scoring model that uses credit report information from credit
history files maintained by independent consumer reporting agencies.
The above consumer reports may be ordered in connection with the
issuance, update, renewal or reinstatement of your policy and when
seeking comparison quotes from the companies we represent.
Privacy Policy -
Printable Version
As a current customer of our agency, we take this opportunity to both
thank you and share with you the importance in which we hold the privacy
and confidentiality of your insurance and personal information.
S.J. Francis Insurance Agency, Inc., as a member of the financial
services industry, has been and continues to be subject to federal and
state privacy laws regarding the collection and exchange of your
insurance information.
Working with you, S.J. Francis Insurance Agency, Inc. gathers the
necessary information from you and other public and insurance sources to
execute the insurance market search and placement for the insurance
coverages your needs/risk exposures require. We collect nonpublic
personal information about you from the following sources:
Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates or others;
and
Information we receive from a consumer reporting agency.
In doing so, S.J. Francis Insurance Agency, Inc. exchanges such
information only with other insurance related parties that are similarly
obligated under state and federal privacy laws and have in place the
appropriate procedures to keep all treatments and exchanges of your
information with in the requirements of these laws.
We may disclose the following kinds of nonpublic personal information
about you:
Information we receive from you on applications or other forms, such
as your name, address, social security number, assets, income, and
beneficiary information;
Information about your transactions with us, our affiliates or others,
such as your policy coverage, premiums, and payment history; and
Information we receive from a consumer reporting agency, such as your
creditworthiness and credit history.
We may disclose all of the information we collect, as described above to
companies that perform marketing services on our behalf or to other
financial institutions with whom we have joint marketing agreements.
All of these professional financial services operations are subject to
state and federal privacy laws and are bound by their agreement with us
to also comply with the insurance requirements in this area as well.
Should you purchase their product or service, a copy of their privacy
practices will be sent to you.
If you prefer that we not disclose nonpublic personal information about
you to nonaffiliated third parties, you may opt out of those
disclosures, that is, you may direct us not to make those disclosures
(other than disclosures permitted by law). If you wish to opt out of
disclosures to nonaffiliated third parties, you may call the following
number: (815) 476-9476.
We know that you have other choices when it comes to insurance and
financial services. That is why we at S.J. Francis Insurance Agency,
Inc. appreciate your decision to place your financial service needs with
us. We value you and your business, and look forward to a continuing
client relationship with you. S.J. Francis Insurance Agency, Inc. wants
to earn your partnership to explore your financial service needs,
determine the various placement options that may respond to these needs
and over time build the type of financial service portfolio you need to
secure your family needs and assets.
Should you have any questions, please do not hesitate to call me.
Sincerely,
Stephen J. Francis
Copyright © 2008 S.J. Francis Insurance
Agency, Inc.
All rights reserved.
Privacy Policy