Joint Privacy Notice
[April 1, 2015]
This Joint Privacy Notice is intended to fulfill
our obligation to meet mandated disclosure requirements. It is for your information
only, and we hope that you find it to be informative and helpful. It does not require
any response from you.
When you see the words we, us, or our within
this Joint Privacy Notice, you should understand that these words include
South Carolina Farm Bureau Insurance Company, South Carolina Farm Bureau Mutual
Insurance Company, Southern Farm Bureau Casualty Insurance Company, and Palmetto
Casualty Insurance Company.
Our Commitment to Safeguarding Your Privacy
This Joint Privacy Notice is being provided to you
to inform you of our practices and procedures regarding the sharing of
nonpublic
personal information
. Nonpublic personal information is information
that identifies you, your family, or your household that we may obtain directly
from you, that we may obtain as a result of our business dealings with you, or that
we may obtain from any other source.
Except as stated within this Joint Privacy Notice,
we do not engage in the practice of disclosing your nonpublic personal information
to nonaffiliated third parties other than as necessary to provide quality insurance
and financial services to our customers. For instance, we do not engage in "list-selling,"
and we do not market your personal information to publishing houses, retailers,
or coupon companies.
While you are a policyholder, we will provide you with
a copy of our current Joint Privacy Notice at least annually as part of a
regular mailing, such as within a billing or a renewal notice or with a policy,
and at any time that you request it in writing. Further, because Federal and State
laws, regulations, and business practices can change at any time, we may revise
this Joint Privacy Notice accordingly. You can always review a copy of our
most current Joint Privacy Notice at www.SCFBIns.com. The effective date
of this Joint Privacy Notice is printed above under the document title, and
this Joint Privacy Notice replaces all prior Notices. Once you cease
to be a policyholder, we will continue to protect your private information as described
within the Joint Privacy Notice. However, we will stop sending you annual
privacy notices. The examples detailed within this Joint Privacy Notice are
only meant to help you understand our practices and procedures, and they should
not be taken as a complete and exclusive inventory of specific information that
we collect, utilize, maintain, or share.
Information We May Collect and Use
During the course of reviewing your application for insurance
coverage and deciding whether or not to underwrite the insurance policy for which
you have applied, and, if we issue a policy to you, during the course of providing
services to you as required by the policy, we collect and evaluate information from
the following sources:
It is important for us to collect and use this information to properly identify you; to provide, administer, and perform services on your behalf; to improve our products and services; and to comply with certain State and Federal requirements. We could not provide optimum service to you without collecting and using this information.
Additional Information We May Collect and Use When You Access Our Internet Homepage
Once again, it is important for us to collect and use this information to properly identify you; to provide, administer and perform services on your behalf; to improve our products and services; and to comply with certain State and Federal requirements. We could not provide optimum service to you without collecting and using this information.
Information We May Disclose
We regard all of your personal information as confidential.
Therefore, we do not disclose any nonpublic personal information about our customers
or former customers to anyone except as required or permitted by law. In the course
of conducting our business dealings, we may disclose certain information that we
have about you to other parties. These disclosures are only made in accordance with
applicable laws and may include disclosures to reinsurers, administrators, service
providers, consultants, law enforcement officials, and regulatory or governmental
authorities. Further, certain disclosures of information will be made to your Farm
Bureau Insurance agent and any Farm Bureau Insurance personnel authorized to have
access to your personal information for the purpose of administering your business
and providing services to you.
We may also disclose all of the information we collect,
as described above, to companies that perform services on our behalf or to other
financial institutions with which we have joint marketing agreements. Service providers,
for example, may assist us in processing your transactions, mailing policyholder
correspondence, or destroying out-dated documents. Joint marketers are business
entities, including other financial institutions, such as the Farm Bureau Bank FSB
or Southern Farm Bureau Life Insurance Company, with which we jointly offer financial
products or services. These service providers and joint marketers allow us to more
efficiently and more effectively provide insurance services to you or to better
meet your financial service needs. The categories of information that we may disclose
to service providers or joint marketers include:
These entities with which we share this information are required by contract to maintain the confidentiality of that information and to only use that information to perform the tasks for which we provided it. We do not authorize these entities to use or disclose your personal information for any purpose other than for the express purpose of performing work on our behalf, as detailed within our agreements with them, or as required or permitted by law.
How We Maintain the Confidentiality and Security of Your Information
We carefully restrict access to nonpublic personal information
to our employees, our independent contractor insurance producers, our service providers,
our joint marketers, and our affiliates and subsidiaries. The right of our employees,
our independent contractor insurance producers, our service providers, our joint
marketers, and our affiliates and subsidiaries to further disclose and use the information
is limited by our employee handbook, agents' manuals, applicable law, and nondisclosure
agreements where appropriate. We maintain physical, electronic, and procedural safeguards
that comply with Federal and State law to guard your nonpublic personal information.
In situations where State of South Carolina privacy law is more protective of your
nonpublic personal information, we will protect your information in accordance with
State of South Carolina law.
Using the Worldwide Web
You have reached this Joint Privacy Notice electronically
through your use of the worldwide web. If you have reached this site by a link from
another website, or if you link to another website from this site, then you should
understand that those sites are not bound by the terms of this Joint Privacy Notice.
Once you select a link that takes you to any website, you are subject to the privacy
policies - or to the lack of privacy and security policies - of the website
that you have chosen. We are not responsible for the collection, use, or security
of information by those companies or organizations. We encourage you to carefully
read the privacy policies of any website reached through a link from our website
or from which you have reached our website.
Conclusion
If you have any questions or comments concerning this
Joint
Privacy Notice
or our privacy standards and procedures, or if you would
like a printed copy of this Joint Privacy Notice in brochure format, then
please write to us at Corporate Services Department, Post Office Box 2124, West
Columbia, South Carolina 29171-2124. Our functional regulator is the State of South
Carolina Department of Insurance. If we cannot resolve your concerns or answer your
questions, then feel free to contact our regulator.