Privacy Policy Notice

1. Information that we collect:
    A. Categories of Information Collected and Sources From Which We Collect It.
        We collect personal and privileged information about you from the following sources:
    1. Information that you provide us on applications and other forms.
    2. Information about your transactions with us from the insurance companies we contact t underwrite         your insurance.
    3. Information we received from Arizona's Motor Vehicle Division (MVD) or other consumer reporting         claims.
    4. Information contained in medical records or from medical professionals that is related to insurance         claims, unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional         information will be collected about you.
    B. Persons From Whom Information is Collected

    We may collect personal and privileged information from individuals other than those proposed for     coverage.
    Information we may disclosed to third parties:
    In the course of our general business practices, we may disclose the information that we collect (as     described above) about you or others without your permission to the following types of institutions for     the reasons described below:
A. To a third party if the disclosure will enable that party to perform a business, professional or insurance     function for us.
B. To an insurance institution , agent, or credit reporting agency in order to detect or prevent criminal     activity, fraud, or misrepresentation in connection with an insurance transaction.
C. To an insurance institution, agent or credit reporting agency for either this agency or the entity to whom     we disclose the information to perform a function in connection with an insurance transaction involving     you.
D. To a medical care institution or medical professional in order to verify coverage or benefits, inform you of     a medical problem of which you may not be aware, or conduct an audit that would enable us to verify     payment.
E. To the Arizona Department of Insurance or other insurance regulatory authority, law enforcement, or     other governmental authority in order to protect our interests in preventing or prosecuting fraud, or if     we believe that you have conducted illegal activities.
F. To a group policy holder for the purpose of reporting claims experience or conducting an audit of our     operations or services.

    2. Your right to access and amend you personal and privilege information:
You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within two years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendment or deletions of any information that is in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:
To obtain access to your information: You should submit a request in writing to {insert name, address, and any other information needed}. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like to access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or copies that you have requested.
To correct, amend, or delete any of your information: You should submit a request in writing to {insert name, address, and any other information needed}. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have the opportunity to challenge.
3. Our practices regarding information confidentiality and security:
We restrict access to personal and privileged information about you to these employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal and privileged information.
4. Our policy regarding dispute resolution:
Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.