Falco and Associates, Inc. Privacy Notice

Further Information

Falco And Associates, Inc is a member of the financial services industry and, as such, our agency has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your information.  The following is Falco And Associates, Inc’s privacy policy regarding the customer information we collect.  Contained in this privacy policy you will find (1) an explanation of the types of information Falco And Associates, Inc collects from our clients and the means used to collection such information, (2) an explanation of how Falco And Associates, Inc shares the information collected from our clients, and (3) an explanation of how Falco And Associates, Inc protects the clients information.

1. Information we collect and the means used to collect

Falco And Associates, Inc collects information about our customers that is necessary to provide those services used and customary to independent insurance agents.  Falco And Associates, Inc collects this necessary information from the following sources:

• Information we receive from you on an application or other forms, this information may include, but is not limited to, your name, address, and date of birth.
• Information about our clients’ transactions with us, this information may include, but is not limited to claims and payment history.
• Information we receive from a consumer-reporting agency, this information may include, but is not limited to, a driving record or insurance score report.

To collection customer information from the above states sources, Falco And Associates, Inc may use the following means of communication to gather information, written , in-person, telephone, facsimile, electronically and online

1. How we share client information with non-affiliated third parties

We don’t share information about our customers for former customers with non-affiliated third parties, other than as permitted or required by law.  For example, Falco And Associates, Inc may share all of the information listed above with non-affiliated third parties for, including but not limited to, the following reasons:

Information that is necessary to service or process the insurance needs of our clients, in a manner than is consistent with the usual and customary services provided by independent insurance agents. Such usual and customary services or processes provided by Falco And Associates, Inc to its customers include but are not limited to underwriting, shopping the renewal, rating, placement, and providing quotes for insurance that is germane to the coverage the customer places with our agency.

• Information that is necessary to protect the confidentiality or security of our client’s records.
• Information that is necessary to resolve client disputes or inquiries.
• Information that is required by individuals or entities who are assessing our legal compliance.
• Information that is required for Falco And Associates, Inc. to comply with the law.
• To an actuarial or research organization for the purpose of conducting actuarial or research studies.
• Information that is necessary to protect against or prevent fraud, unauthorized transactions, claims, or other liability.

1. How we share client information with affiliated parties

• We do not share client information with any affiliate

1. Our practices regarding information confidentiality and security

We maintain physical, electronic, and procedural safeguards to guard your information.  These safeguards include but are not limited to the following:

• We restrict access to nonpublic personal information about our clients and former client to those employees who need to know that information in order to assist in providing services or products to the customer
• We punish any employees who impermissibly share client information.
• We use a secure internet and email provider to protect the confidentiality of electronic communications.

Falco And Associates, Inc appreciates your business and in order to continue building upon that relationship we believe it is necessary, not only from a legal standpoint, but also as a sound business practice that our customers understand the care our agency uses in handling your information.  Falco And Associates, Inc will continue to monitor the effectiveness of this privacy policy.