PURPOSE
OF THIS NOTICE
As
provided by law, we are generally prohibited 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. Accordingly, we are providing you with this
document, which notifies you of the privacy policies and practices of BRADLEY
& PARKER, INC.
Furthermore,
we wish to inform you that we do not share your personal information with any
non-affiliated third parties for any purpose that is not specifically
authorized by law unless we obtain your affirmative permission.
OUR
PRIVACY POLICIES AND PRACTICES
1.
Information we collect:
A. Categories of Information Collected and Sources Where We Collect It
We
collect nonpublic personal information about you from the following sources:
· Information we receive from you on applications
or other forms you submit to us, from your dealings with us, and from our
website.
·
Information about your transactions with us, our affiliates or others.
·
Information we receive from consumer reporting agencies.
·
Information we receive from medical records or medical professionals.
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 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 request such
information, you should be aware that:
· You
have the right to request to be interviewed in connection with the preparation
of an investigative consumer report.
·
Upon request, you are entitled to receive a copy of the consumer reports.
· The
information obtained from the reports prepared by a third party may be retained
by the third party and disclosed to other persons.
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:
· To
a third party if the disclosure will enable that party to perform a business,
professional or insurance function for us.
· To
an insurance institution, agent, or credit reporting BRADLEY & PARKER, INC.
in order to detect or
prevent criminal activity, fraud or
misrepresentation in connection with an insurance transaction.
· To an insurance institution, agent, or credit
reporting BRADLEY & PARKER, INC. for either this BRADLEY & PARKER, INC.
or the entity to whom we disclose the information
to perform a function in
connection with an insurance transaction
involving you.
· 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
treatment.
· To an 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.
· To
a group policyholder for the purpose of reporting claims experience or
conducting
an audit of our operations or services.
· To
an actuarial or research organization for the purpose of conducting actuarial
or
research
studies. In addition to those circumstances listed above, and unless you direct
us not to by completing the attached Opt Out Form, we may disclose certain
information about you to third parties whose only use of the information will
be for the purpose of marketing a product or service. Under no circumstances
will we disclose for marketing purposes:
(1)
any medical information;
(2)
information relating to a claim for a benefit or a civil or criminal proceeding
involving you; or
(3)
personal information relating to your character, personal habits, mode of
living or
general
reputation.
3.
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 two (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 BRADLEY & PARKER, INC.
200Oak Drive, Syosset, NY 11791.
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 BRADLEY & PARKER,
INC. 200Oak Drive,
4.
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 organizational safeguards to protect
information about you.
5.
Internet Policies and Procedures
Bradley
& Parker, INC. respects the privacy of the individuals
and businesses
accessing/using
(“Users”) its website (“Website”). BRADLEY & PARKER, INC. ollects
limited information about Users who visit areas of BRADLEY & PARKER, INC.’S Website
accessible to the public (“Public Areas”). This information is automatically
collected on an aggregate basis (“Aggregate Information”) to measure traffic on
the Website. Aggregate Information is collected through the use of a “cookie”
or small text file placed on the User’s hard drive by the User’s Internet
browser. The cookie allows BRADLEY & PARKER, INC. to
track the number of hits or visits to various pages on the website. When BRADLEY
& PARKER, INC. website is accessed through a hyperlink on
another website, the cookie will identify and track the Internet Protocol
address (“IP”) that linked the User to the website. If the User did not
hyperlink to BRADLEY & PARKER, INC.’S website from the most
recently visited IP, then BRADLEY & PARKER, INC. will
only identify the User’s Internet Service Provider (e.g., aol.com, msn.com,
etc.). The cookie is used only during a single connection to the Website, and
is not used to track user activity after leaving the Website. It is permanently
disabled when the User exits the Website, and information about individual
users is not collected, saved or distributed to others by BRADLEY & PARKER, INC.
Aggregate information and other information gathered through voluntary User
surveys and forms assists BRADLEY & PARKER, INC. to
better understand users’ needs and improve the Website, and to enable BRADLEY
& PARKER, INC. to demonstrate to vendors and others information
about the volume and nature of its Website traffic.
The
website contain hyperlinks to Internet sites outside of www.Bradley-parker.com members
and other businesses and resources, and each Internet site may have its own
privacy and data collection policies and practices. BRADLEY & PARKER, INC..
is not responsible for the privacy and data collection policies and practices
of any other businesses, or for the content of their Internet sites. Users
interested in the privacy and data collection policies of other businesses
should review their policies. BRADLEY & PARKER, INC. makes
no representations of any kind about the internet sites of other businesses and
BRADLEY
& PARKER, INC disclaims all warranties and responsibilities of
any kind, including, without limitation, warranties and responsibilities with
respect to other businesses, resources, Internet sites, content privacy and
data collection policies and practices, and actions.
This
notice is being provided on behalf of the following of BRADLEY & PARKER, INC.