PRIVACY POLICY |
| Your privacy is important to us. Regional Marketing Solutions, Inc. d/b/a Flagship Planning Solutions is committed to protecting the privacy of our agents, their customers and our clients. We respect your right to keep your personal information confidential and to avoid unwanted solicitations. Below is a discussion on how we will strive to handle your personal information. |
Types of Information Collected |
| Regional Marketing collects information about people
to quote and service insurance policies. Some of this is called “Nonpublic Personal Information,” which
generally means information that is provided by you to your agent or directly
to us, or that results from your transactions with us. It does not include information available to the general public. The type of information we collect varies according to the products and services you or your agent request and may include: |
Application Information |
| This is information we may receive from you on applications or other
forms, by phone, fax, e-mail, or on-line. It includes, but is not limited
to, your name, address, telephone numbers, Social Security and/or other
Tax ID numbers, date of birth, gender, and medical history.
Transaction Information: This is information about your transaction with us, our affiliates, or others. It includes, but is not limited to, your policy selections and premiums, payment history, policy values, policy inception and maturity dates, agent of record, and interest credited. We may also obtain information about you from other sources while underwriting or servicing your policy. This may include information about previous policies, information from consumer reporting agencies, and additional information used to investigate and settle claims or complaints, such as agent statements and death certificates. Medical / Non-Medical Information: This is information we may receive from providers of information and database management services, and is used to confirm or underwrite Applications for Insurance. It includes, but is not limited to, reports of one or more medical conditions or test results reported by companies, paramedical facilities, and medical facilities or providers. Web Site Information: Whenever you visit any web
site on the Internet, including ours, certain information from your
computer may be captured.
The information we may receive from your computer when you visit our
web site includes the referring Web site you visited before ours, your
Internet e-mail address, browser version, and statistical information
on Web traffic and usage patterns. Any web sites you visit, including
ours, may store ‘cookies’ on your computer to save user information
entered while visiting our Web sites, and collect technical data, such
as your Internet protocol (IP) address, operating system, and session
ID. |
PARTIES TO WHOM WE MAY DISCLOSE INFORMATION |
Nonpublic Personal Information about you and our former customers may be disclosed to others as permitted or required by law. Generally, this includes disclosures to third parties that are necessary to effect, administer, or enforce your transactions with us, or in connection with servicing your policy(ies). These parties may include, but are not limited to, health information management providers, third party administrators, reinsurance providers, independent contractors, insurance support organizations, insurance agents and brokers, insurance companies, and courts or other governmental agencies. In accordance with the Fair Credit Reporting Act, we will not disclose information obtained from consumer reporting agencies without your consent. We may also disclose information to people and companies that perform marketing services on our behalf or to financial institutions with whom we have joint marketing agreements. The purpose of this is to inform you or other financial products or services jointly offered, endorsed, or sponsored by us that we believe you may find useful. |
Confidentiality & Security |
We restrict access to Nonpublic Personal Information about you to those employees and other parties who must use that information to provide products or services to you. Their right to further disclose and use the information is limited by applicable law and nondisclosure agreements where appropriate. We also maintain physical, electronic, and procedural safeguards in compliance with applicable laws and regulations to guard your Nonpublic Personal Information. Questions or concerns about these issues should be directed to: Michael J. Kruger, President, Regional Marketing Solutions, Inc., through the “Contact Us” page on our web site. |