PRIVACY POLICY

TUSCARORA–WAYNE MUTUAL INSURANCE COMPANY

 

The Tuscarora–Wayne Mutual Insurance Company (TW) recognizes that the personal privacy of consumers and customers is very important.  Whether an individual is already a policyholder or is a consumer applying for insurance, maintaining the confidentiality of the nonpublic personal information provided about consumers and customers is a TW priority.  TW maintains high standards and safeguards to protect the confidentiality of such information.

 

Public and nonpublic personal information may be gathered from a variety of sources.  Information including name, address, social security number, income information and other information about the insured and the insured's property may be collected from the applications or other forms completed, or from information provided by agents.  Policy coverage, premiums, and payment history information may be collected from transactions made with TW affiliates.  Other information may be gathered from consumer reporting agencies such as credit bureaus, property inspection services, and other organizations.  TW collects and uses this information as necessary to meet the customers' insurance needs and to provide quality service. 

 

At TW, only authorized employees shall have access to nonpublic personal information collected.  Access to nonpublic personal information shall be restricted to those employees who need to access that information to provide consumers and customers with our products and services.  Commitment to maintaining the confidentiality of nonpublic personal information shall be a condition of employment at TW.  Breach of TW confidentiality policies can constitute cause for the termination of employment.

 

TW does not generally disclose nonpublic information about their current customers, former customers, or potential customers for marketing purposes to third parties who are not affiliates of TW.  TW will not disclose any nonpublic personal information about consumers and customers, except 1) with consumer/customer consent, 2) as required by law, 3) as permitted by law, 4) as necessary to perform our underwriting review (that is, to perform a credit check, have a property inspected, etc.), or 5) as necessary to otherwise service a customer's policy or effect a customer- requested transaction.  Disclosure to nonaffiliated third parties will only be permitted upon the agreement by that party to use the information only for the purpose for which it is disclosed.

 

This privacy policy applies to applicants, policyholders, claimants or beneficiaries under insurance products or services obtained from TW primarily for personal, family or household purposes; it does not apply to products or services obtained for business, commercial or agricultural purposes. 

 

Notice of this privacy policy will be provided to customers of TW not less than annually. 

 

TWPP (07-01)

 

© Tuscarora–Wayne Mutual Insurance Company 2001.  All Rights Reserved.