PRIVACY OF CONSUMER AND CUSTOMER INFORMATION
The Mutual Capital Group, Inc. (formerly known as Tuscarora Wayne Mutual Group Inc.), Tuscarora Wayne Insurance Company and the other members of its group of affiliated companies, Lebanon Valley Insurance Company, Keystone National Insurance Company, and the Tuscarora Wayne Mutual Foundation (collectively, “TW” or “us” or “we”) recognize that the personal privacy of consumers and customers is very important. Whether an individual is already our customer or policyholder or is a consumer applying for insurance with one of our companies, maintaining the confidentiality of the non-public personal information (that is, information that can used to identify an individual consumer or customer) is a priority.
WHO THIS POLICY APPLIES APPLY TO
HOW TW COLLECTS AND USES PERSONAL INFORMATION
We may gather public and non-public personal information from a variety of sources.
We may gather information including:
We may gather this information from:
We collect and use non-public personal information as necessary to meet our customers’ insurance needs, to process certain types of payments, and to provide quality service.
ACCESS TO PERSONAL INFORMATION
SHARING NON-PUBLIC PERSONAL INFORMATION
We reserve the right to disclose all non-public personal information we collect to the extent permitted or required by law. For example, our disclosure of non-public personal information may include disclosure:
For example, we may disclose information about customers and consumers to the following types of third parties:
We will disclose non-public personal information to non-affiliated third parties only upon the agreement by that party to use the information only for the purpose for which it is disclosed.
OPTING OUT FROM DISCLOSURE
Under certain circumstances, if we wish to disclose a consumer’s information to a third party that is not our affiliate, we are required by law to provide the consumer with an option to direct us not to share the consumer’s information. That is called “opting out.” If we must permit a consumer to opt out of any proposed disclosure of a consumer’s information, we will give the consumer an initial privacy notice, a notice of the consumer’s right to opt out, and a reasonable opportunity to exercise the right to opt out before we make the disclosure.
DISCLOSURES UNDER THE FAIR CREDIT REPORTING ACT
PERSONAL INFORMATION ABOUT YOU, INCLUDING INFORMATION FROM A CREDIT OR OTHER INVESTIGATIVE REPORT, MAY BE COLLECTED FROM PERSONS OTHER THAN YOU IN CONNECTION WITH THIS APPLICATION FOR INSURANCE AND SUBSEQUENT AMENDMENTS AND RENEWALS. SUCH INFORMATION AS WELL AS OTHER PERSONAL AND PRIVILEGED INFORMATION COLLECTED BY US OR OUR AGENTS MAY IN CERTAIN CIRCUMSTANCES BE DISCLOSED TO THIRD PARTIES WITHOUT YOUR AUTHORIZATION. CREDIT SCORING INFORMATION MAY BE USED TO HELP DETERMINE EITHER YOUR ELIGIBILITY FOR INSURANCE OR THE PREMIUM YOU WILL BE CHARGED. WE MAY USE A THIRD PARTY IN CONNECTION WITH THE DEVELOPMENT OF YOUR SCORE. YOU MAY HAVE THE RIGHT TO REVIEW YOUR PERSONAL INFORMATION IN OUR FILES AND REQUEST CORRECTION OF ANY INACCURACIES. YOU MAY ALSO HAVE THE RIGHT TO REQUEST IN WRITING THAT WE CONSIDER EXTRAORDINARY LIFE CIRCUMSTANCES IN CONNECTION WITH THE DEVELOPMENT OF YOUR CREDIT SCORE. THESE RIGHTS MAY BE LIMITED IN SOME STATES. PLEASE CONTACT YOUR AGENT OR BROKER TO LEARN HOW THESE RIGHTS MAY APPLY IN YOUR STATE OR FOR INSTRUCTIONS ON HOW TO SUBMIT A REQUEST TO US FOR A MORE DETAILED DESCRIPTION OF YOUR RIGHTS AND OUR PRACTICES REGARDING PERSONAL INFORMATION.
WHEN NOTICE OF THIS POLICY WILL BE PROVIDED?
We reserve the right to change this policy at any time. If we make material changes, we will post them on this web site, and provide you with other notice as required by applicable law.
STATE SPECIFIC PROVISIONS
For Vermont Residents. We will not share your information with our affiliates or others for marketing purposes without your consent.