If you are a customer of Help2Cover,in the course of our business relationship with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it. We value your confidence in us.You trust us with an important part of your financial life. We are proud of our privacy policies and procedures and encourage you to review them carefully.
Information We Collect
We collect and maintain information about you to provide you with the coverage, product or service you request and to service your account.
We collect certain information ("nonpublic personal information") about you and the members of your household ("you") from the following sources:
Information we receive from you on applications or other forms, such as your social security number, assets, income, and property information;
Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history;
Information we receive from a consumer reporting agency or insurance support organization, such as motor vehicle records, credit report information and claims history;
Information from your visits to farmers.com or other websites we operate, use of our mobile sites and applications, use of our social media sites, and interactions with our online advertisements; and
If you obtain a life, long-term care or disability product, information we receive from you, medical professionals who have provided care to you and insurance support organizations, regarding your health.
How We Protect Your Information
At Help2Cover Insurance, our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information about you to those individuals, such as our employees and agents, who provide you with our products and services. We require those individuals to whom we permit access to your customer information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.
We do not disclose any nonpublic personal information about you, as our customer or former customer, except as described in this notice.
Information We Disclose
We may disclose the nonpublic personal information we collect about you, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements and to other third parties, all as permitted by law.
Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with H2C or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will abide by the privacy restrictions imposed by that organization.
We are permitted to disclose personal health information (1) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud; (2) with your written authorization, and (3) otherwise as permitted by law.
Sharing Information with Affiliates
The Help2Cover family encompasses various affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services.
We may disclose nonpublic personal information, as described above in Information We Collect, to our affiliates, which include:
Financial service providers such as insurance companies and reciprocals, investment companies, underwriters and brokers/dealers; and
Non-financial service providers, such as management companies, attorneys-in-fact and billing companies.
We are permitted by law to share with our affiliates our transaction and experience information with you.
In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information that we have received from you and from third parties, such as consumer reporting agencies and insurance support organizations.