As
provided by law, we are generally prohibited from sharing nonpublic personal
information about you with a third party unless we provide you with this notice
of our privacy policies and practices describing the type of information that
we collect about you and the categories of persons or entities to whom that
information may be disclosed. Accordingly, we are providing you with this
document, which notifies you of the privacy policies and practices of Robert
Pehnke Corp
Furthermore, we wish to inform you that we do not
share your personal information with any non-affiliated third parties for any
purpose that is not specifically authorized by law unless we obtain you
affirmative permission.
OUR PRIVACY POLICIES
1.
Information we collect:
A. Categories of Information
Collected and Sources Where We Collect It
We collect nonpublic personal information about you
from the following sources:
-
Information we receive from you on
applications or other forms you submit to us, from your dealings with us, and
from our website.
-
Information about your transactions with us,
our affiliates or others.
-
Information we receive from consumer
reporting agencies.
-
Information we receive from medical records
or medical professionals.
Unless it is specifically stated otherwise in an
amended Privacy Policy Notice, no additional information will be collected
about you.
B. Persons From Whom Information is Collected
We may collect nonpublic personal information from
individuals other than those proposed for coverage.
C. Information From Credit Reports or Investigative Consumer Reports
If you authorize us to do so, we may obtain
information about you from credit reports or other investigative consumer
reports prepared by third parties at our request. If you authorize us to
request such information and we request such information, you should be aware
that:
-
You have the right to request to be
interviewed in connection with the preparation of an investigative consumer
reports.
-
The information obtained from the reports
prepared by a third party may be retained by the third party and disclosed to
other persons.
2. Information we may
disclose to third parties:
In the course of our general business practices, we
may disclose the information that we collect (as described above) about you or
others without your permission to the following types of institutions for the
reasons described:
-
To a third party if the disclosure will
enable that party to perform a business, professional or insurance function for
us.
-
To an insurance institution, agent, or credit
reporting agency in order to detect or prevent criminal activity, fraud or
misrepresentation in connection with an insurance transaction.
-
To an insurance institution, agent, or credit
reporting agency for either this agency or entity to whom we disclose the
information to perform a function in connection with an insurance transaction
involving you.
-
To a medical care institution or medical
professional in order to verify coverage or benefits, inform you of a medical problem
of which you may not be aware, or conduct an audit that would enable us to
verify treatment.
-
To an insurance regulatory authority, law
enforcement, or other governmental authority in order to protect our interests
in preventing or prosecuting fraud, or if we believe that you have conducted
illegal activities.
-
To a group policyholder for the purpose of
reporting claims experience or conducting an audit of our operations or
services.
-
To an actuarial or research organization for
the purpose of conducting actuarial or research studies. In addition to those
circumstances listed above, and unless you direct us not to by completing the
attached Opt Out Form, we may disclose certain information about you to third
parties whose only use of the information will be for the purpose of marketing
a product or service. Under no circumstances will we disclose for marketing
purposes:
-
1) any medical information
-
2) information relating to a claim for a
benefit or a civil or criminal proceeding involving you; or
-
3) personal information relating to your
character, personal habits, mode of living or general reputation.
3. Your right to access and
amend you personal information:
You have the right to request access to the personal
information that we record about you. Your right includes the right to know the
source of the information and the identity of the persons, institutions or
types of institutions to whom we have disclosed such information within two (2)
years prior to your request. Your right includes the right to view such
information and copy it in person, or request that a copy of it be sent to you
by mail (for which we may charge you a reasonable fee to cover our costs). Your
right also includes the right to request corrections, amendments or deletions
of any information in our possession, The procedures that you must follow to
request access to or an amendment of your information are as follows: To obtain
access to your information: you should submit a request in writing to ROBERT
PEHNKE CORP. The request should include your name, address, social security
number, telephone number, and the recorded information to which you would like
access. The request should state whether you would like access in person or a
copy of the information sent to you by mail. Upon receipt of your request, we
will contact you within 30 business days to arrange providing you with access
in person or the copies that you have requested. To correct, amend, or delete
any of your information: You should submit a request in writing to ROBERT PEHNKE
CORP. The request should include your name, address, social security number,
telephone number, the specific information in dispute, and the identity of the
document or record that contains the disputed information. Upon receipt of your
request, we will contact you within 30 business days to notify you either that
we have made the correction, amendment or deletion, or that we refuse to do so
and the reasons for the refusal, which you will have the opportunity to
challenge.
4. Our practices regarding
information confidentiality and security:
We restrict access to nonpublic personal information
about you to those employees who need to know that information in order to
provide products or services to you. We maintain physical, electronic, and
organizational safeguards to protect information about you.
5. Internet Policies and
Procedures
ROBERT PEHNKE CORP respects the privacy of the
individuals and business accessing/using (“Users”) its website (“Website”).
ROBERT PEHNKE CORP collects limited information about Users who visit areas of
ROBERT PEHNKE CORP’s Website accessible to the public (“Public Areas”). This
information is automatically collected on an aggregate basis (“Aggregate
Information”) to measure traffic on the Website. Aggregate Information is collected
through the use of a “cookie” or small text file placed on the User’s hard
drive by the User’s internet browser. The cookie allows ROBERT PEHNKE CORP to
track the number of hits or visits to various pages on the website. When ROBERT
PEHNKE CORP website is accessed through a hyperlink on another website, the
cookie will identify and track the Internet Protocol address (“IP”) that linked
the User to the website. If the User did not hyperlink to ROBERT PEHNKE CORP’s
website from the most recently visited IP, then ROBERT PEHNKE CORP will only
identify the User’s Internet Service Provider (e.g., aol.com, msn.com, etc.).
The cookie is used only during a single connection to the Website, and is not
used to track user activity after leaving the Website, It is permanently
disabled when the User exits the Website, and information about individual
users is not collected, saved or distributed to others by ROBERT PEHNKE CORP.
Aggregate information and other information gathered through voluntary User
surveys and forms assists ROBERT PEHNKE CORP to better understand user’s needs
and Improve the Website, and to enable ROBERT PEHNKE CORP to demonstrate to
vendors and others information about the volume and nature of its Website traffic.
The website contain hyperlinks to Internet sites outside of ROBERT PEHNKE
CORP’s Website members and other businesses and resources, and each Internet
sit may have its own privacy and data collection policies and practices. ROBERT
PEHNKE CORP is not responsible for the privacy and data collection policies and
practices of any other businesses, or for the content of their Internet sites.
Users interested in the privacy and data collection policies of other
businesses should review their policies. ROBERT PEHNKE CORP makes no
representations of any kind about the internet sites of other businesses and
ROBERT PEHNKE CORP disclaims all warranties and responsibilities of any kind,
including, without limitation, warranties and responsibilities with respect to
other businesses, resources, Internet sites, content privacy and data
collection policies and practices, and actions.
This notice is being provided on behalf of the
following of ROBERT PEHNKE CORP