Privacy Policy
Our Policy Regarding Your Privacy
In order to provide insurance products and services that respond to our customers' diverse needs, Emerling Agency LLC. collects certain personal information. The Emerling Agency does not disclose any nonpublic personal information to any affiliated or nonaffiliated third party for marketing purposes. At the Emerling Agency, maintaining the confidentiality of our customers' personal information is of the highest importance. The Emerling Agency's personal information-handling practices are governed by this privacy policy and are further regulated by law. This notice describes those practices and how they preserve your privacy in a way that permits the Emerling Agency to provide you with the products and services you demand.
Collection of Personal Information
We get most of our information directly from you. The application you complete, as well as any additional information you provide generally gives us most of the information we need to know. Sometimes we may contact you by phone or mail to obtain additional information. Depending on the nature of your insurance transaction, we may need additional information about you or other potential insureds from outside sources such as motor vehicle records, loss information reports, credit reports, court records or other public records. For property insurance, we may send someone to inspect your property and verify information about its value and condition, and a photo of the property may be taken.
We also obtain information from third parties such as insurance companies or consumer reporting agencies. A consumer report from such an agency may contain information as to credit worthiness and credit standing. If we order any kind of consumer report, upon request, we will tell you how to get a copy of the report. The agency preparing consumer report for us may keep the information collected about you as permitted by law, and it may be disclosed to other persons.
Disclosure of Personal Information
Information which has been collected about you will be contained in the insurance company policy record or in our agency file. We review this information when evaluating your request for insurance coverage and in determining your rates. We will also use information in our policy records for purposes related to issuing and servicing insurance policies and settling claims. The Emerling Agency may disclose personal information to others in order to service, process or administer business such as underwriting and claims operations. In this context, the Emerling Agency may disclose (i) information we receive from you on applications and other forms, including information such as assets, income, and identifying information such as name, address, and social security number; (ii) transaction information such as information about balances, payment history and parties to the transaction; and (iii) information from consumer reporting agencies such as a consumer's credit worthiness and credit history.
If coverage is declined or the charge for coverage is increased because of information contained in a consumer report, we will tell you as required by state law and federal Fair Credit Reporting Act. We will also give you the name and address of the consumer reporting agency making the report.
Parties to Whom Information May Be Disclosed
The Emerling Agency will not disclose information about you to others without your written consent unless the disclosure is necessary to conduct our business. By law, the Emerling Agency is permitted to share information about you without prior permission under certain circumstances to certain persona and organizations such as:
