Arnold and Associates is committed to protecting our customer's privacy. This Privacy Policy describes our policy about how we treat confidential information. We do not disclose any personal information about our customers to anyone except as is necessary in order to provide our products or services to our customers, or otherwise as we are required or permitted by law. We do not use this information for direct marketing or solicitation, and we do not sell, trade or rent to others personal information about our customers. All health and financial information about you is completely confidential. This notice refers to our Agency using the terms “we”, “us”, and “our”.

Personal Information

Personal information includes identifying information, such as, your name, address, telephone number, and demographic data about you. This may include information from persons other than you or those proposed for insurance coverage, such as an attending physician statement from your medical practitioner. We obtain most of the information we need directly from you on your application or other forms you complete, or from those you have authorized to provide information to us in connection with providing you insurance or other products or services or assisting you with a claim.

What we do with the Information

We use the information about you to facilitate your request for insurance products or services. This information may be shared with a prospective insurance company in an effort to secure you an insurance product or service without your written authorization. Personal information will not be sold or shared by our office for any other purpose than to secure requested insurance products or services.

Right to the Information

As a prospective insured, have a right to access the information that is collected and to make any corrections to this personal information.

In the event of an Adverse Underwriting Decision

If you should receive a denial of coverage for an individual policy, you may request, in writing, within 90 business days from the post-mark date of the notice or other communication the reason for the denial. The insurance carrier shall respond to you within 21 business days from the date they receive your written request.

Changes to Privacy Policy

Our Policy may change due to laws and regulations. We will provide you notification prior to any material changes should a change be necessary.