Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws. Collecting your personal information We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We also collect information from your transactions with our sister companies, others, or us. We may collect information from a consumer-reporting agency, demographic firm, or medical provider. This collection depends on the product or service you request.
Sharing your personal information
We do not sell your information to anyone. We may share this information with a business that carries out services for our agency, like comparative rating system. We may share your information as required or permitted by law. We may share your information for a legal or regulatory purpose or to combat fraud. These include the following types of information:
We may share information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number and family member information. This may also include assets, income, and the property address and value.
This may include information from your transactions with other insurance companies, or us. It may include your account balance, policy coverage, and payment history. It may also include premium paid, preferences, shares you purchase, claims, and purchase method.
We may share information we receive from a consumer-reporting agency or other report. This may include your credit report, motor vehicle and driver data. This may also include medical and employment data, loss history reports, and other driver data. This sharing depends on the products you select.
Information sharing and opt out
You received this privacy statement because you purchased a financial or insurance product from an independent broker or independent agent. We do not sell customer information for marketing purposes. Because you are a customer of us as the independent agent and the insurance company who provides your coverage, we have chosen not to share your personal information to anyone for any reason, except to service your product. These reasons are described in more detail above and are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our sharing policy, we will tell you and give you a chance to opt out before we share your information.
Using your medical information
Sometimes, we must collect medical information for the insurance company to provide you a product or to pay a claim. We do not use or share your medical information for any marketing purpose, unless we receive your permission. We use medical information when:
- Underwriting insurance
- Servicing your policy, account, or claim
- As required or permitted by law
- At your request and with your authorization
We will provide you a copy of your personal information that we control and can reasonably retrieve. To access your information, you must provide the following:
- All policy numbers you want to access.
- Please sign your request and have your signature notarized.
This ensures the identity of the person requesting the information.
We do not currently charge a fee to cover the cost of providing you with a copy of this information. However, we reserve the right to charge a small fee in the future. You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties. So, you will need to contact the third party to correct any information from them. Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency’s name and address. You may ask the agency to give you a copy of your report.
Please send any privacy inquiries to:
Kratzer Insurance Inc
PO Box 2,
26 Millrace Rd
Mt Pleasant Mills, PA 17853