Insurance & Risk Managers, Inc. Family of Companies:
Smith Insurance Agency, Inc.
Madison Insurance Incorporated
At Insurance & Risk Managers we value your confidence in us and understand your concerns about privacy. We hope this notice, which describes our use and protection of nonpublic personal information ("customer information"), will help you understand how we treat the customer information we obtain from you or other sources in the course of providing you with our insurance products and additional services. It is an IRM policy not to sell information about our customers to third parties.
Information We Collect
We collect nonpublic personal information about you from the following sources:
•Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
•Information about your transactions with us, our affiliates or others, such as payment history, parties to transactions, and credit card usage;
•Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Information We May Disclose
•We are permitted under the law to disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.
•We also are permitted under the law to disclose nonpublic personal information about you to nonaffiliated third parties (third parties that are not members of our corporate family) in certain other circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us, to process and service transactions you request or authorize, to protect against potential fraud or unauthorized transactions, in response to judicial process, and to consumer reporting agencies.
Information We Do Not Disclose
•We do not sell information about our customers to third parties.
Statements herein as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided herein does not constitute professional advice; if you have legal, tax or financial planning questions, you need to contact a qualified professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and cannot, therefore, endorse nor guarantee any information provided by those sites.
Your right to access and amend your personal information
You have the right to request access to the personal information that is maintained about you on this Site to ensure that it is accurate and current. You also can request corrections, amendments or deletions of any personal information obtained through this Site or otherwise in our possession.
To obtain access to, correct, amend, or delete any of your personal information: Submit a request in writing or by email to IRM. The request should include your name; address; telephone number; the specific personal information in dispute; and the identity of the document or record that contains the disputed personal information.
Change to Policy
IRM reserves the right to and may change this Policy at any time and the change will become effective when the revised Policy is posted on this Site.