Privacy Policy
The Heritage Group
We believe you have the right to know the privacy policies of the
websites you visit. We are committed to data security, and to
protecting your personally identifiable information. This statement
discloses the privacy practices for our website.
PURPOSE OF THIS NOTICE
Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any
financial institution, directly or through its affiliates, from
sharing nonpublic information about you with a non-affiliated third
party unless the institution provides you with a notice of its
privacy policy and practices, such as the type of information that
it collects about you and the categories of personal information or
entities to whom it may be disclosed. In compliance with the GLBA,
we are providing you with this document, which notifies you of the
privacy policies and practices of our agency.
OUR PRIVACY POLICIES AND PRACTICES
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Information we collect – We collect nonpublic personal
information, about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates or others;
- Information we receive from a consumer-reporting agency;
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Cookies and their use on this website - A cookie is a
message given to a web browser by a web server.
The message is then sent back to the server each time the browser requests a page from that server. Cookie files define you as a user, not as an identifiable person. We use cookies to better customize our website and our services to your interests and needs. We do not use cookies to retrieve information from your computer that was not willingly provided by you.
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Information we may disclose to third parties – In our
normal course of business in quoting and contracting for
insurance coverage for you we may disclose the following kinds
of nonpublic personal information about you:
- Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, income and beneficiaries;
- Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums and payment history; and
- Information we receive from a consumer reporting agency,
such as your creditworthiness and credit history.
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Third parties to whom we may disclose information – We
may disclose nonpublic personal information about you to the
following types of third parties:
- Financial service providers, such as life insurers,
automobile insurers, mortgage bankers, securities
broker-dealers and insurance agencies;
- Financial service providers, such as life insurers,
automobile insurers, mortgage bankers, securities
broker-dealers and insurance agencies;
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Service providers and joint marketers – We may disclose
all of the information we collect, as described above under the
caption “Information we collect,” to companies that perform
marketing services on our behalf, or to other financial
institutions with whom we have joint marketing agreements.
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Your right to opt-out of third party disclosures – If
you prefer that we not disclose nonpublic information about you
to nonaffiliated third parties, you may opt out of those
disclosures, and direct us not to make those disclosures
(other than disclosures permitted by law). If you wish to
opt out of disclosures to nonaffiliated third parties, you may
contact us during normal business hours. Our contact
information is on our website in the Contact Us section.
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Our practices regarding information confidentiality and
security – At all times, we use our best and diligent
efforts to restrict access to nonpublic personal information
about you to those employees or third parties 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 applicable federal and state laws and
regulations to guard your nonpublic personal information.
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Links and Co-Branded Sites - This Web site contains
links to other sites. The Heritage Group provides links to
other sites as a convenience to persons who visit the The
Heritage Group web site. If you choose to use the services
provided by those sites, you may be asked by those sites to
provide certain personally identifiable information (some of
which may, on an individual or aggregated basis, be shared with
The Heritage Group). Please be aware that The Heritage Group is
not responsible for the privacy practices of those sites, even
though The Heritage Group's name or logo may appear on those
sites. We encourage you to be aware when you leave our site and
to read the Privacy Statements of each and every Web site that
you visit, as the privacy policy of those sites may differ from
ours.
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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.
- Reservation of the right to change our privacy policy - We reserve the right to amend or replace this policy without notice. By visiting our website, you agree to accept all terms and conditions outlined in this Privacy Policy.
