Privacy Letter

Dear Client:

As a current customer of The Collens-Wagner Agency, Inc., we would like to take this opportunity to both thank you for your business and to share with you the importance our agency places upon protecting the privacy of information we gather from you in accordance with applicable state and federal laws.

Collens-Wagner Agency, Inc. collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. Collens-Wagner Agency, Inc. collects this necessary information from the following sources:

• Information we receive from you on applications or other forms.
• Information about our clients’ transactions with us.
• Information we receive from a consumer-reporting agency.

To collect customer information from the above-stated sources, Collens-Wagner Agency, Inc. may use the following means of communication to gather information: written, in-person, telephone, facsimile, electronically, and online.

We don’t share information about our customers or former customers with non-affiliated third parties other than as permitted or required by law. For example, Collens-Wagner Agency, Inc. may share all of the information listed above with non-affiliated third parties for, including but not limited to, the following reasons:

• Information that is necessary to service or process the insurance needs of our clients, in a manner that is consistent with the usual and customary services provided by independent insurance agents. Such usual and customary services or processes provided by Collens-Wagner Agency, Inc. to its customers include but are not limited to underwriting, shopping the renewal, rating, placement, and providing quotes for insurance that is germane to the coverage the customer places with our agency.
• Information that is necessary to protect the confidentiality or security of our client’s records.
• Information that is necessary to resolve client disputes or inquiries.
• Information that is required by individuals or entities who are assessing our legal compliance.
• Information that is required for Collens-Wagner Agency, Inc. to comply with the law.
• To an actuarial or research organization for the purpose of conducting actuarial or research studies.
• Information that is necessary to protect against or prevent fraud, unauthorized transactions, claims, or other liability.

We maintain physical, electronic, and procedural safeguards to guard your information. These safeguards include but are not limited to the following:

• We restrict access to nonpublic personal information about our clients and former clients to those employees who need to know that information in order to assist in providing services or products to the customer.
• We will punish any employees who impermissibly share client information.
• We use a secure Internet and e-mail provider to protect the confidentiality of electronic communications.

Collens-Wagner Agency, Inc. appreciates your business and in order to continue building upon that relationship we believe it is necessary, not only from a legal standpoint, but also as a sound business practice that our customers understand the care our agency uses in handling your information. Collens-Wagner Agency, Inc. will continue to monitor the effectiveness of this privacy policy.