Commitment To Privacy Your privacy is important to us. To better protect
your privacy we provide this notice explaining our online information practices
and the choices you can make about the way your information is collected and
used. To make this notice easy to find, we make it available on our homepage and
at every point where personally identifiable information may be requested.
The Information We
Collect: This notice applies to all information collected or submitted on
the Heacock.com website. On some pages, you can obtain instant insurance quotes
and on others, you can make requests for quotes to be e-mailed. The types of
personal information collected on these pages include:
- E-mail address
- Phone number
- Social Security Number
- Date of Birth
- Underwriting Information
The Way We Use
Information We use the information you provide about yourself to underwrite
the insurance policies you are interested in. If you become a customer, we may
use this information to market your policies to other carriers from time to
time. We share the information you provide with insurance companies and with
credit bureaus as described below.
We will never use or share
the personally identifiable information provided to us online in ways unrelated
to the ones described above without also providing you an opportunity to opt-out
or otherwise prohibit such unrelated uses.
Our Commitment To Data
Security To prevent unauthorized access, maintain data accuracy, and ensure
the correct use of information, we have put in place appropriate physical,
electronic, and managerial procedures to safeguard and secure the information we
Our Commitment To
Children's Privacy Protecting the privacy of the very young is especially
important. No part of our website is structured to attract anyone under 16 and
we do not maintain information about our customer's children beyond that
necessary to process insurance transactions.
How You Can Access Or
Correct Your Information You can access all your personally identifiable
information that we collect online and maintain by contacting us at (863)
683-2228. You will be required to comply with an identification procedure that
is used to better safeguard your information. You can correct factual errors in
your personally identifiable information by sending us a request that credibly
shows error. To protect your privacy and security, we will also take reasonable
steps to verify your identity before granting access or making corrections.
Most insurance companies utilize consumer reports in the underwriting and
pricing of their products. The use of motor vehicle driving records (MVR's) is
common for both personal and business automobile insurance underwriting.
Insurance companies also share information with each other about claims and we
may obtain your prior claim history for the type of insurance you apply for.
Many insurance companies also use business and consumer credit information
because insurance companies have found that clients with good credit ratings are
better risks. The use of driving records and consumer credit reports is governed
by the Fair Credit Reporting Act.
You Authorize Us to
Obtain Consumer Reports By completing and submitting the on-line
applications for insurance on this site, you agree to allow us to obtain
consumer reports, including driving records, prior claim history, and credit
reports, for the purposes of underwriting and pricing the insurance products you
apply for. If you become a customer of ours, then you also authorize us to
obtain similar reports at the time your policy renews in order to keep your
underwriting and pricing current.
Insurance Score If
your credit history is used to underwrite or price a policy offered by our
agency, then we will receive your consumer report in a summarized fashion
commonly called an "insurance score." The insurance score is a compilation of
different types of information including your credit history. The insurance
score is only a summary of your overall results. We do not see your actual
Your Rights Under the
Fair Credit Reporting Act You have certain rights under the FCRA including
the right to disclosure in the event that information contained in your report
negatively effects you. If we receive an insurance score that qualifies you for
anything less than the best rate available from that insurance company, we will
notify you in writing including the name and address of the consumer reporting
agency that provided the insurance score. You then have a right to dispute
negative information and the reporting agency is required to delete inaccurate
information. See this summary of the
Credit Reporting Act for additional details.
Your Agreement to This
Policy By using this site, you signify your agreement to our on-line privacy
policy. If you do not agree to this policy, please do not use this site. We
reserve the right, at our discretion, to update, change, modify, add, or remove
will be promptly disclosed in this area.
How To Contact Us
Should you have other questions or concerns about these privacy policies, please
call (863) 683-2228 or contact us.