Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing certain information about you with a nonaffiliated third party unless the institution provides you with a notice of its privacy policies and practices.  The notice must include the type of information that the financial institution collects about you and the categories of persons or entities to whom information may be disclosed.  In compliance with the GLBA, we are providing you with this privacy statement, which notifies you of the privacy policies and practices of Boardman-Hamilton Company. [The GLBA further requires that we afford you an opportunity to prevent us from sharing certain information about you with a nonaffiliated third party for any purpose that is not authorized by law.  This right to prevent us from sharing information about you with a nonaffiliated third party for a purpose that is not authorized by law is called your right to "opt out" of such information sharing.] 

At Boardman Hamilton, our mission is to provide our customers with sound, competitive insurance protection and services.  Information gathering and analysis are essential to the accomplishment of that mission.  Clearly, we understand that gaining and keeping your confidence depends upon the security and integrity of our records concerning you.

We pledge to you, our valued customer, that the information you have provided us to obtain appropriate insurance coverage will be used for that purpose only.  We will not share such information with nonaffiliated third parties, such as banks, securities firms or other institutions, for solicitation purposes.

The following is our policy on how we handle your nonpublic personal financial information:

1. COLLECTION OF YOUR INFORMATION

We collect nonpublic personal financial information about you from the following sources:

• Information that you provide.  This is information that you give us on applications and other forms, by phone, in personal interviews, or, if applicable, on line.  This information may include your name, address, telephone number, drivers license number, Social Security number, date of birth, length of employment, gender, marital status, prior insurance information, home ownership status, length of residency, vehicle description, miles driven and vehicle use/driving history.
• Information about transactions.  This is information about your transactions with us.  It may include your insurance coverage, premiums and various coverage selections, your payment and claims history and information necessary for billing and payment.
• Information from [consumer reporting agencies or other] third parties.  This is information that we may obtain from outside sources and may be used to confirm or supplement application information.  It may include [consumer reports] information about your driving history and information, such as witness statements and police reports, used to settle and investigate claims.

2. DISCLOSURE POLICY

We do not disclose any nonpublic personal financial information about our customers or former customers to anyone, except as permitted by law.  For example, we may disclose some or all of the information we collect to the insurance companies with whom we seek to place coverage, to lenders or loan brokers from whom you may seek financing, or to surplus lines insurance brokers in connection with hard-to-place or specialty insurance coverages.

3. CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal financial information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with applicable law to guard your nonpublic personal financial information.

4. "OPTING OUT" OF DISCLOSURES

Since we do not sell your nonpublic personal financial information or disclose this information except as permitted by law, there is no need for an opt-out provision, and we have not included an opt-out notice with this privacy statement.  Before we would consider sharing your nonpublic personal financial information other than as described in this privacy statement, we would give you an opportunity to opt-out of that sharing.

5. PROSPECTIVE AND FORMER CUSTOMERS

We will treat your nonpublic personal financial information as described in this privacy statement even if you do not become or are no longer our customer.

6. REVISIONS TO THIS PRIVACY STATEMENT

We may change or make additions to this privacy statement at any time.  We will inform you of any such changes or additions as may be required by law.