Privacy Policy

ACTION INSURANCE SERVICE takes your privacy very seriously. We share a commitment to protect your privacy and the confidentiality of your personal and financial information.

As providers of products and services that involve compiling personal and sometimes, sensitive information, protecting the confidentiality of that information has been, and will continue to be a top priority with ACTION INSURANCE SERVICE. We believe you should know about the type of information we collect, the measures we take to safeguard it, and the situations in which we might share information with select business partners.

The information we collect and the extent to which we use it will vary depending on the product or service involved. For example, in a number of cases ACTION INSURANCE SERVICE may have an agreement with a third party that limits the sharing of information about its customers with another company, even if that company is an ACTION INSURANCE SERVICE affiliate. These agreements will continue to be honored.

Our privacy promise derives from basic principles of trust, ethics, and integrity.

1. We collect only the customer information necessary to consistently provide quality products and services.

ACTION INSURANCE SERVICE collects information that helps serve your financial needs; establish high standards of customer service; develop and offer new products or services for you the customer and potential customers; and fulfill legal and regulatory requirements. The information collected generally varies depending on the products or services you request and may include:

Furthermore, as permitted by federal and state laws, we may share or exchange information with companies engaged to work with us, such as:

  • Information provided in personal interviews or on applications and related forms. This may include name, address, Social Security number and annual income.
  • Responses from employers benefit plans sponsors, or associations regarding any group products we provide. For example, we may share name, age, address and Social Security number.
  • Third-party reports, such as consumer credit history, motor-vehicle records, demographic, and/or medical information, if relevant to your product or service.
  • Information about your relationships with us, such as products or services purchased, and account balances (if applicable), which we may obtain in writing, during telephone or Internet transactions, or from data- gathering software used to record the ACTION INSURANCE SERVICE web site visits.
2. We maintain safeguards to ensure information security.

We have implemented security procedures including physical, electronic and procedural safeguards to ensure that access to customer information is limited to employees, registered representatives and agents who may require it to do their jobs. They are required to respect the confidentiality of all customer information.

3. We limit how and with whom we share customer information.

First and foremost, we do not sell lists of our customers, nor do we disclose customer information to marketing companies outside ACTION INSURANCE SERVICE, with the exception of companies we may hire to provide specific services.

Under no circumstances do we share medical information for marketing purposes.

When it is necessary, we may disclose information to third parties to effect, administer, or enforce a transaction that you request or authorize. For example, we may provide information to a mutual fund company from which you wish to purchase shares.

When you request a life insurance product, ACTION INSURANCE SERVICE may use a common application to avoid multiple medical tests; in this way, the information you provide and authorize us to obtain may subsequently be used by one or all of our carriers as necessary to determine and offer the product most appropriate for your needs.

We may be required by law or regulation to disclose information to third parties, for example, in response to a subpoena, to prevent fraud, and to comply with rules of, or inquiries from, industry regulators.

In some cases, we may share information we collect (name, address, age and Social Security number) with other ACTION INSURANCE SERVICE businesses, such as our retirement division or our insurance divisions, to process or service a transaction you have requested, to facilitate enhanced customer service, or to inform you of financial products or services you may find useful. The licensed representative or agent with whom you work may use the personal information about you in his or her files to advise you of other products or to help you with your overall financial strategy.

Furthermore, as permitted by federal and state laws, we may share or exchange information with companies engaged to work with us, such as:

  • Third-party administrators and vendors hired to: effect, administer or enforce a transaction that you request or authorize; develop or maintain software; or perform marketing research.
  • Financial services entities, such as banks, credit unions, credit union service organizations, thrifts, thrift service organizations, insurance companies, or securities broker/dealers, with whom we have joint marketing agreements. The information we may share is described in Section 1.
  • Reputable consumer reporting agencies in connection with your application or renewal of insurance coverage. Other than what we described herein, we will not share information about you with third parties.

We uphold these privacy principles throughout ACTION INSURANCE SERVICE and with our business partners. Companies with which we share customer information are required to maintain the confidentiality of that information. We will reaffirm this policy annually in writing, as long as you maintain an ongoing relationship with ACTION INSURANCE SERVICE. While this policy may change from time to time, you can always review our current policy online at www.ACTION INSURANCE SERVICE.com.

In this notice of our Privacy Promise, the words "you" and "customer" are used to mean any individual who obtains or has obtained a financial product or service from an ACTION INSURANCE SERVICE business that is used primarily for personal family or household purposes.

 
     
 

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Privacy Policy