Privacy Policy
Our policyholders are highly valued, and client confidentiality is of the utmost concern to us. It is imperative to make sure your personal information is protected and that you understand the policies that protect you, as there are various legal terms in our privacy policy that we are required to use. It is our intent to provide self-explanatory descriptions of the most frequently used legal terms. This is not a solicitation. You do not need to respond.
This Privacy Policy describes the types of data we collect, use, share or disclose; and the kinds of companies with whom we may share such data. These examples serve only as illustrations and not an exhaustive list of the data we may collect, use or share. In addition, we must comply with various state and federal privacy laws that may apply to your information.
Privacy Principles
· We do not sell your personal information.
· We do not share customer information with anyone unless you expressly authorize the sharing, or it is permitted or required by law.
· We do not allow those with whom we do business to use our customer information for their own marketing purposes. We require any person or business providing products or services on our behalf to safeguard our customer information.
Information We May Collect
The types of information we may collect and how we gather it:
1. From you (or provided to us on your behalf), on applications and other forms you submit to us; for example: your name; address; tax identification number; telephone number; driving record; transaction history; claims history; premiums.
2. From consumer reporting agencies, public records and data collection agencies; for example: your obligations with others and your creditworthiness.
3. From you when you enroll, request a service, or file a claim; for example: your name, address, credit card issuer and policy number, e-mail address, claim information.
4. From your visits to our Internet websites; for example: session number and IP address. By
reviewing the legal notice, terms of use, site agreement or similar named link appearing on any of our
websites that you visit you may learn of any "cookies" utilized by us and of any additional information that
may be collected from you on that site
Information We May Disclose or Share and with Whom
We may share customer information with other entities as needed to deliver products and services to you,
provide customer service, or handle your account.
Disclosures Permitted by Law
We may share customer information as described above and as permitted by law.
Information Regarding Former Customers
We treat the information of prospective, current, and former customers in the same manner with respect to the use of personal information.
Our Security Procedures
We restrict access to customer information to those employees only that have a valid business purpose to access such data. The safeguards we maintain are physical, electronic and procedural in nature. We require those who
provide services for us and to whom we may share your data with to keep it safeguarded and confidential.
Changes to this Privacy Policy
We reserve the right to change this Privacy Policy at our discretion. If we make material changes, we will provide current and prospective policyholders a new notice that describes our new practices and will post it on our website.
Notice of Insurance Information Practices
We may collect personal information from persons other than the individual or individuals proposed for
coverage. Personal information as well as other personal or privileged information subsequently collected by us
may in certain circumstances be disclosed to a third party without your authorization. You have the right to
access and correct all personal information collected.
We value our relationship with all of our policyholders. If you have any questions about our Privacy Policy, please write to us at American Property Insurance Company 4 Industrial Way West, Ste 102 Eatontown, NJ 07724 or e-mail us your question at info@api-nj.com. Thank you.