Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the States of New Jersey, Pennsylvania and Delaware generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and the laws of these States, we are providing you with this document, which notifies you of the privacy policies and practices of J.A. Mariano Agency.
The laws of New Jersey, Pennsylvania and Delaware further require that we inform you that we may not share your personal information with a non-affiliated third party for any purpose that is not specifically authorized by law unless we obtain your affirmative permission.
1. Information we collect:
A. Categories of Information Collected and Sources From Which We Collect It
We collect nonpublic personal information about you from the following sources:
B. Persons From Whom Information is Collected
We may collect nonpublic personal information from individuals other than those proposed for coverage.
C. Information From Credit Reports or Investigative Consumer Reports
If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we do request such information, you should be aware that:
2. Information we may disclose 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:
In addition to those circumstances listed above, and unless you tell us not to, we may disclose certain information about you to third parties whose only use of the information will be for purposes of marketing a product or service. Under no circumstances will we disclose for marketing purposes any medical information; information relating to a claim for benefit or, a civil or criminal proceeding involving you; or personal information relating to your character, personal habits, mode of living or general reputation.
3. Notification That Certain Disclosures Require Your Authorization:
4. Affiliates with whom we share certain information protected by the Fair Credit Reporting Act, unless you tell us not to:
A. Information we can share with our affiliates, unless you tell us not to:
Unless you tell us not to, we may share with our affiliated companies information about you, including:
B. Our affiliated companies who may receive this information are:
5. Your right to access and amend your personal 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 2 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, amendments or deletions of any information 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 Manager of Information Systems, J.A. Mariano Agency, PO Box 390, Rosenhayn, NJ 08352. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like 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 the copies that you have requested.
To correct, amend, or delete any of your information: You should submit a request in writing to Manager of Information Systems, J.A. Mariano Agency, PO Box 390, Rosenhayn, NJ 08352. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of 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 an opportunity to challenge.
6. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those 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 nonpublic personal information.
7. Our policy regarding dispute resolution:
8. Reservation of the right to disclose information in unforeseen circumstances:
In connection with the potential sale or transfer of its interests, J.A. Mariano Agency and its affiliates reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be J.A. Mariano Agency's successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.
9. Opt-Out form available upon request:
After reading this Notice, we are certain that you will now understand our agency respects your privacy and takes its responsibility to protect the information about you seriously. One of the purposes of this Notice is to inform you that you have the right to prohibit the sharing of your "non-public" personal information with any third parties (listed in paragraph 4(B) above.) If you choose to exercise this right, you may communicate with our agency by any one of the following convenient methods: