PURPOSE OF THIS NOTICE
As provided by law, we are generally prohibited from sharing nonpublic personal
information about you with a third party unless we provide you with this notice
of our privacy policies and practices describing the type of information that we
collect about you and the categories of persons or entities to whom that information
may be disclosed. Accordingly, we are providing you with this document, which notifies
you of the privacy policies and practices of Clarion Associates Inc.
Furthermore, we wish to inform you that we do not share your personal information
with any non-affiliated third parties for any purpose that is not specifically authorized
by law unless we obtain your affirmative permission.
OUR PRIVACY POLICIES AND PRACTICES
1. Information we collect:
A. Categories of Information Collected and Sources Where We Collect It
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms you submit to us,
from your dealings with us, and from our website.
- Information about your transactions with us, our affiliates or others.
- Information we receive from consumer reporting agencies.
- Information we receive from medical records or medical professionals.
no additional information will be collected about you.
B. Persons from Whom Information is Collected
We may collect nonpublic personal information from individuals other than those
proposed for coverage.
C. Information from Credit Reports or Investigative Consumer Reports
If you authorize us to do so, we may obtain information about you from credit reports
or other investigative consumer reports prepared by third parties at our request.
If you authorize us to request such information and we request such information,
you should be aware that:
- You have the right to request to be interviewed in connection with the preparation
of an investigative consumer report.
- Upon request, you are entitled to receive a copy of the consumer reports.
- The information obtained from the reports prepared by a third party may be retained
by the third party and disclosed to other persons.
2. Information we may disclose to third parties:
In the course of our general business practices, we may disclose the information
that we collect (as described above) about you or others without your permission
to the following types of institutions for the reasons described:
- To a third party if the disclosure will enable that party to perform a business,
professional or insurance function for us.
- To an insurance institution, agent, or credit reporting Clarion Associates Inc in
order to detect or Prevent criminal activity, fraud or misrepresentation in connection
with an insurance transaction.
- To an insurance institution, agent, or credit reporting Clarion Associates Inc for
either this Clarion Associates Inc Or the entity to whom we disclose the information
to perform a function in connection with an insurance transaction involving you.
- To a medical care institution or medical professional in order to verify coverage
or benefits, inform you of a medical problem of which you may not be aware, or conduct
an audit that would enable us to verify treatment.
- To an insurance regulatory authority, law enforcement, or other governmental authority
in order to protect our interests in preventing or prosecuting fraud, or if we believe
that you have conducted illegal activities.
- To a group policyholder for the purpose of reporting claims experience or conducting
an audit of our operations or services.
- To an actuarial or research organization for the purpose of conducting actuarial
or research studies. In addition to those circumstances listed above, and unless
you direct us not to by completing the attached Opt Out Form, we may disclose certain
information about you to third parties whose only use of the information will be
for the purpose of marketing a product or service. Under no circumstances will we
disclose for marketing purposes:
- any medical information;
- information relating to a claim for a benefit or a civil or criminal proceeding
involving you; or
- personal information relating to your character, personal habits, mode of living
- general reputation.
3. Your right to access and amend your personal information:
You have the right to request access to the personal information that we record
about you. Your right includes the right to know the source of the information and
the identity of the persons, institutions or types of institutions to whom we have
disclosed such information within two (2) years prior to your request. Your right
includes the right to view such information and copy it in person, or request that
a copy of it be sent to you by mail (for which we may charge you a reasonable fee
to cover our costs). Your right also includes the right to request corrections,
amendments or deletions of any information in our possession. The procedures that
you must follow to request access to or an amendment of your information are as
follows: To obtain access to your information: You should submit a request in writing
to CLARION ASSOCIATES INC 35 Arkay Dr #400 Hauppauge NY 11788. The request should
include your name, address, social security number, telephone number, and the recorded
information to which you would like access. The request should state whether you
would like access in person or a copy of the information sent to you by mail. Upon
receipt of your request, we will contact you within 30 business days to arrange
providing you with access in person or the copies that you have requested. To correct,
amend, or delete any of your information: You should submit a request in writing
to CLARION ASSOCIATES INC 35 Arkay Dr#400 Hauppauge NY 11788. The request should
include your name, address, social security number, telephone number, the specific
information in dispute, and the identity of the document or record that contains
the disputed information. Upon receipt of your request, we will contact you within
30 business days to notify you either that we have made the correction, amendment
or deletion, or that we refuse to do so and the reasons for the refusal, which you
will have an opportunity to challenge.
4. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those employees
who need to know that information in order to provide products or services to you.
We maintain physical, electronic, and organizational safeguards to protect information
5. Internet Policies and Procedures
CLARION ASSOCIATES INC respects the privacy of the individuals and businesses accessing/using
("Users") its website ("Website"). CLARION ASSOCIATES INC collects
limited information about Users who visit areas of CLARION ASSOCIATES INC’S Website
accessible to the public ("Public Areas"). This information is automatically
collected on an aggregate basis ("Aggregate Information") to measure traffic
on the Website. Aggregate Information is collected through the use of a "cookie"
or small text file placed on the User’s hard drive by the User’s Internet browser.
The cookie allows CLARION ASSOCIATES INC to track the number of hits or visits to
various pages on the website. When CLARION ASSOCIATES INC website is accessed through
a hyperlink on another website, the cookie will identify and track the Internet
Protocol address ("IP") that linked the User to the website. If the User
did not hyperlink to CLARION ASSOCIATES INC’S website from the most recently visited
IP, then CLARION ASSOCIATES INC. will only identify the User’s Internet Service
Provider (e.g., aol.com, msn.com, etc.). The cookie is used only during a single
connection to the Website, and is not used to track user activity after leaving
the Website. It is permanently disabled when the User exits the Website, and information
about individual users is not collected, saved or distributed to others by CLARION
ASSOCIATES INC. Aggregate information and other information gathered through voluntary
User surveys and forms assists CLARION ASSOCIATES INC. to better understand users’
needs and improve the Website, and to enable CLARION ASSOCIATES INC to demonstrate
to vendors and others information about the volume and nature of its Website traffic.
The website contain hyperlinks to Internet sites outside of CLARION ASSOCIATES INC’s
Website members and other businesses and resources, and each Internet site may have
its own privacy and data collection policies and practices. CLARION ASSOCIATES INC
is not responsible for the privacy and data collection policies and practices of
any other businesses, or for the content of their Internet sites. Users interested
in the privacy and data collection policies of other businesses should review their
policies. CLARION ASSOCIATES INC makes no representations of any kind about the
internet sites of other businesses and CLARION ASSOCIATES INC disclaims all warranties
and responsibilities of any kind, including, without limitation, warranties and
responsibilities with respect to other businesses, resources, Internet sites, content
privacy and data collection policies and practices, and actions. This notice is
being provided on behalf of the following of CLARION ASSOCIATES INC.