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Privacy Policy


Privacy Policy Information

PRIVACY POLICY NOTICE REGARDING YOUR NON-PUBLIC PERSONAL INFORMATION

By visiting our Website, you are accepting the practices described in this Privacy Policy Notice.

 

At Family Select Insurance LLC., we know the importance of respecting your privacy and maintaining your trust. When we collect personal information, we keep it private. We have physical, electronic, and procedural security measures in place to protect your personal information. The only employees who have access to your information are those who must have it to serve you.

 

Information We Collect

In order for us to obtain or service the insurance products that you ask for from us, we may collect personal information from you, as well as from others. We do not collect any personal information about you at our Website unless you choose to provide it to us voluntarily or unless you authorize us to obtain it from others. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

 

Personal Information includes any identifying information, such as:

·         Your name, address, e-mail address, phone number, fax number (Note: any information provided for communication is retained in order to process your inquiries, respond to your requests, and improve our services);

·         Age, marital status, occupation, social security number, asset information, income, and beneficiaries;

·         Claim history, driving record, vehicle make and model, license number, VIN, lender(s) and leasing agent;

·         Credit card, debit card, checking account, credit history, credit standing, policy coverage, premiums, and payment history*.

 

* No usable credit card or debit card information is stored or retained by Family Select Insurance. Copies of checks made out for payment to Family Select Insurance may be stored in secure customer files. 

 

We collect your personal information from:

·         You voluntarily in person or over the telephone or via the Internet, your authorized agent or representative, the mail courier services, our Website, or people you may live with or family members;

·         Documentation you complete and submit to us such as  applications, forms, claims and policy updates

·         Your business dealings with us and with other companies;

·         Consumer reporting agencies and Credit Bureaus;

·         The Department of Motor Vehicles or County Clerk to verify driving record, auto title, license status or other property title;

·         Databases like ChoicePoint, LexisNexis, and Comprehensive Loss Underwriting Exchange (CLUE)

 

How We Use and Disclose Personal Information

In order for us to obtain or to service the insurance products that you ask for from us, we may disclose your personal information to affiliated and nonaffiliated companies. If you do provide us with personal information, we will only use it for the purposes described here, and we will not sell, license, transmit or disclose this information outside of the Company unless (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us, (3) in order to provide our products or services to you, (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements, or (5) otherwise as we are required or permitted by law. We may also use the information you choose to provide to us to improve the content of our Website or to contact you for marketing purposes. In those instances when prior authorization by you is not required, we reserve the right to disclose personal information without your prior consent for purposes referenced herein.

 

We may disclose personal information to:

·         Financial companies such as property & casualty and life & health insurers, premium finance companies, insurance Managing General Agents and General Agents, Surplus Lines Brokers and insurance
          agents or brokers;  

·         Service providers that help process or service your account;

·         Medical-care facilities or providers, to verify coverage and benefits;

·         A court, governmental or regulatory agency when there is a lawful request;

·         Law enforcement to protect against fraud or unauthorized transactions;

·         A group policyholder for purposes of reporting claims experience;

·         Our legal counsel for review and opinion:

 

We may share personal information with insurance data banks that collect information about claim history, accident fault, and amounts paid. Insurance data banks may retain personal information and disclose it to other insurance companies and others legally entitled to see it.

 

-Cookies

When you visit our Website, we send one or more cookies (a small file containing a string of characters) to your computer that uniquely identifies your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent.

 

-Other sites

This Privacy Policy applies to how we handle your information on our Website. We are not responsible for the content of other sites. We do not exercise control over the Websites that are displayed in other browser windows opened by links from within our various website pages. These other sites may place their own cookies or other files on your computer, collect data, or solicit personal information from you.

 

Right to Access and Correct Personal Information

 

You have the right to access and to request the correction or the amendment of all of your recorded personal information that has been collected by us.  If you wish to review your recorded personal information, please write to us at:

6409 Dutchmans Parkway, Louisville, KY 40205

 

Include your name, address, telephone number, and policy number(s) and let us know what kind of information you want to review.  You may review and copy your information in person, or, if you prefer, we will copy and send you your information.  We may charge a small fee to collect and send the information to you where allowable by law.

 

If you see any mistakes, let us know and we will review it.  If we agree, we will correct our files.  If we disagree, you may file a short statement of dispute with us.  Your statement will be included with any data we disclose in the future.  We will also send the statement to anyone you ask us to who received your information from us in the past two years.

 

-Data Integrity

We process personal information only for the purposes for which it was collected and in accordance with this Policy or any applicable service-specific privacy notice. We review our data collection, storage, and processing practices to ensure that we only collect, store, and process the personal information needed to provide or improve our services. We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.

 

-User Safeguards

You are responsible for maintaining the secrecy of your user name, password and any account information. It is important for you to be responsible and protect your user name, password and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.

 

-Terms of Use & Modifications:

By using and accessing this Website you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and all the Website terms and conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Kentucky law govern any dispute over privacy. By using and accessing the Website you agree to indemnify us for any and all third party claims resulting from your breach of this Notice or the Website Terms of Use. If you have any questions or concerns about your privacy at the Website, please contact us. If you do not accept this Notice, do not access and use the Website. If we make changes to our Privacy Policy, we will post them to this section of our Website. You are deemed to have accepted the current terms or any changes by virtue of your use of our Website. We reserve the right to change these terms at any time without formal notice to you. Any modifications in the way we use personal information will be provided in future updates of this Notice so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Website. You should visit this web page periodically to review the Notice. User accepts any such modifications to this Notice by continued use of the Website after such modifications are made.

 

-Our Intellectual Property is for Your Non-commercial Use

Our intellectual property is provided for your information therefore we want you to feel free to access our Website, download, save, and/or print any information you need. However, just as you protect your property from theft and inappropriate use, we need to protect our intellectual property from similar harm. All of the materials on our Website, including the organization and layout of our Website and all graphics and logos, are owned and copyrighted by Family Select Insurance LLC. You may access, download, and print materials from our Website for your personal noncommercial use. But in doing so you do not obtain any rights, interest or title to the materials you read, print, or download. You cannot copy, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, link to, or frame in another Website or use on any other Website, or transfer or sell any information obtained from our Website without written permission from Family Select Insurance LLC. Note that all information on our Website is designed and intended for “human consumption” and not machine interpretation. Accordingly, data extraction techniques such as web or screen scraping are strictly prohibited.

 

-No Unlawful or Prohibited Use

By using our Website, you warrant to Family Select Insurance LLC that you will not use our Website or any of its contents for any unlawful use, or any use that is otherwise prohibited pursuant to these terms. Any violation of this provision will result in prompt revocation of our permission granted to you to use our Website.

 

-Information Collected from Children

We are strongly committed to preserving online privacy for all of our Website visitors including children. We are a general audience site, and we do not knowingly collect information from children or sell products to children. Users of the Website must be at least eighteen years of age. Consistent with the Children's Online Privacy Protection Act (COPPA), we will not knowingly collect any information from children under the age of 16. If you are under the age of 16, you are not permitted to submit information to our site. If a child has provided us with personal information, that child’s parent or guardian should contact us to delete such information from our records. 

 

-Links to Third-Party Sites

We may, solely for your convenience and additional information, include hyperlinks to sites operated and controlled by other parties unrelated to us or any of our affiliates. We do not endorse such sites, nor do we guarantee that the information contained within them is accurate and/or complete. If you elect to link to any third-party sites, you do so at your own risk. Please also note that the terms of the Privacy Policy provided on our Website apply only to our Website. We do not control whatsoever the handling of your information by third parties once you leave our Website, and are not responsible for the handling and use of any personal information you provide to third-party sites. Accordingly, we strongly encourage you to carefully review the privacy policy of any third-party site visited before releasing any personal information.

 

-Testimonials

Testimonials on our Website are a representation of “typical” customer experiences. Individual experiences, satisfaction, and cost savings can vary from our typical customer. Customer names and towns may be abbreviated or altered to honor their privacy.

 

 -Liability Disclaimer

All information, services, products, or other material on our Website are provided “as is” without warranty of any kind. In no event shall Family Select Insurance LLC, its affiliates, suppliers, and/or its agents be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of our Website or with the delay or inability to use our Website, or for any information, products, materials, and/or services obtained through our Website, or otherwise arising out of the use of our Website, whether based on contract, tort, strict liability, or otherwise, even if Family Select Insurance LLC, its affiliates, suppliers, or any of its agents has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

 

You may view and print a copy of this Privacy Policy Notice online by clicking on the Privacy Policy tab at www.FamilySelectInsurance.com.  If our practices change, we will update our Privacy Policy on our Website for your review.  We treat our former customer’s information the same as our current customer’s information

 

For More Information you may contact us by:

 

Calling (502) 454-7283 or through our Website’s “Contact Us” page.

 

Rev. 01/29/2015

 
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