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Privacy Notice
Acadia Insurance Company (the Company"), a member company of the W. R.
Berkley Corporation ("Berkley") group of companies and each other member
of the Berkley group of companies ("Affiliates") understands our
customers' concern about privacy of their information collected by the
Company. Our Company is dedicated to protecting the confidentiality and
security of nonpublic personal information we collect about our
customers in accordance with applicable laws and regulations. This
notice refers to the Company by using the terms "us," "we," or "our."
This notice describes our privacy policy and describes how we treat the
nonpublic personal information about our customers that we receive from
them ("Information").
Why We Collect and How We Use Information
We collect and use Information for business purposes with respect to our
insurance products and services and other business relations involving
our customers. We gather this Information to evaluate your request for
insurance, to evaluate your insurance claims, to administer, maintain or
review your insurance policy, and to process your insurance
transactions. We also accumulate certain information about you as may be
required or permitted by law.
Your insurance agent or broker also collects this Information and may
use it to help with your overall insurance program or to market
additional products and services to you. We may also use Information to
offer you other products or services that we or our Affiliates provide.
How We Collect Information
Most Information collected by us is provided by you or your insurance
agent or broker to us. We obtain Information from (i) applications or
other forms submitted by you, your insurance agent or broker or your
authorized representatives to us and our Affiliates, and (ii) your
transactions with us or our Affiliates. We may also obtain Information
from other sources such as (i) consumer reporting agencies, (ii) other
institutions or information services providers, (iii) employers, (iv)
other insurers, or (v) your family members.
Information We Disclose
We disclose any Information which we believe is necessary to conduct our
business as permitted by applicable law or where required by applicable
law. This disclosure may include (i) Information we receive from you on
applications or other forms provided to us and our Affiliates, such as
names, addresses, social security numbers, assets, employer information,
salaries, etc. (ii) Information about your transactions with us and our
Affiliates, such as policy coverages, premiums, payment history, etc.,
and (iii) Information we receive from a consumer reporting agency, such
as credit worthiness and credit history.
To Whom We Disclose Information
We may, as permitted or required by applicable law, disclose your
Information to nonaffiliated third parties, such as (i) your insurance
agent or broker, (ii) independent claims adjusters, (iii) insurance
support organizations, (iv) processing companies, (v) actuarial
organizations, (vi) law firms, (vii) other insurance companies involved
in an insurance transaction with you, (viii) law enforcement,
regulatory, or governmental agencies, (ix) courts or parties therein
pursuant to a subpoena or court order, (x) businesses with whom we have
a marketing agreement, or (xi) our Affiliates.
We may share Information with our Affiliates so that they may offer you
products and services from the Berkley group of companies or to analyze
our book of business and to consolidate necessary information. We do not
disclose Information to other companies or organizations not affiliated
with us for the purpose of using Information to sell their products or
services to you. For example, we do not sell your name to unaffiliated
mail order or direct marketing companies.
How We Protect Information
We require our employees to protect the confidentiality of Information
as required by applicable law. Access to Information by our employees is
limited to administering, offering, servicing, processing or maintaining
of our products and services. We also maintain physical, electronic and
procedural safeguards designed to protect Information. When we share or
provide Information to other persons or organizations, we contractually
obligate them, if required by law, to treat Information as confidential
and conform to our privacy policy and applicable laws and regulations.
Correction and Access to Information
Upon our receipt of your written request to us at Acadia Insurance
Company, we will, generally, make available Information for your review.
If you believe the Information we have about you is incorrect or
inaccurate, you may request that we make any necessary corrections,
additions or deletions. If we agree with your belief, we will correct
our records if required by applicable law. If we do not agree, you may
submit to us a short statement of dispute, which we will include in any
future disclosure by us of such Information if required by applicable
law.
Requirements for Privacy Notice
This privacy notice is being provided due to recently enacted federal
and state laws and regulations establishing new privacy standards and
requires us to provide this privacy policy. If you have any questions
about our privacy policy, you may contact us at
info@acadiainsurance.com
or write to us at Acadia Insurance Company, P.O.
Box 9010, Westbrook, Maine 04098-5010.
Adopted: June 1, 2001
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