Our Privacy Policy

When you apply to Agency Services, Incorporated (referred to in this notice as ASI or "we", "us", and "our") for financing of your insurance premium(s), you disclose information about yourself to us. Federal and State law regulates the collection, use, and disclosure of such information. ASI, its affiliates, and subsidiaries maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to guard your personal and financial information. We also limit employee access to this information to those with a business reason for knowing such information. ASI also instructs our employees so that they understand the importance of the confidentiality of personal and financial information, and takes appropriate measures to enforce employee privacy responsibilities.

What kind of information do we collect about you and from whom?

ASI obtains most of our information from you. The application you complete, as well as any additional information you provide, generally gives us most of the information we need to know. Sometimes we may contact you by mail or phone to obtain additional information. We may use financial information about you from your other transactions with us and our affiliates.

We may obtain additional information we need from third parties, such as other insurance companies, government agencies, information clearinghouses, courts, and other public records. We may receive consumer credit information from a consumer-reporting agency. A report from a consumer-reporting agency may contain information as to credit worthiness, credit standing, credit capacity, character, general reputation or occupation. Upon request, we will tell you how to get a copy of the report. The agency that prepares a consumer report for us may retain that report and disclose it to other persons as permitted by law.

What do we do with the information collected about you?

Information that has been collected about you may be retained in both our records and in your agent's files. We may retain information about our former customers and would disclose that information to affiliates and non-affiliates as permitted by law.

To whom do we disclose information about you?

We only disclose information about our applicants, customers and former customers as permitted or required by law in the course of serving our customers or to administer our business. Examples of types of non-public information we disclose include certain consumer information, such as your name, address and social security number or transaction information such as your account balances and payment history or driving record or license information. Listed below are some examples of third parties to whom we may make disclosures:

Our affiliated companies
Your agent or broker
Parties who perform a business, professional or insurance function for our company, including our reinsurance companies
Independent claims adjusters, appraisers, investigators, and attorneys who need the information to investigate, defend, or settle a claim involving you
Businesses that help us with data processing
Businesses that conduct scientific research, including actuarial or underwriting studies
Other insurance companies, agents, or consumer reporting agencies as reasonably necessary in connection with any application, policy, or claim involving you
Insurance support organizations which are established to collect information for the purpose of detecting and preventing insurance crimes or fraudulent claims
Insurance regulatory agencies in connection with the regulation of our business
Law enforcement or other governmental authorities to protect our legal interest or in cases of suspected fraud or illegal activities
Authorized persons as ordered by a subpoena, warrant, or other court order as required by law
Certificate holders or policyholders for the purpose of providing information regarding the status of an insurance transaction

How can you find out about information we have about you?

You have the right to know what kind of information we keep in our files about you, to have reasonable access to it, and to receive a copy. Contact us by the means provided at the end of this notice if you have questions about what information we may have on file. Tell us what information you would like to receive. Provide your complete name, address, date of birth, and all contract numbers issued to you by us. Certain types of information generally collected when evaluating claims or possible lawsuits need not be disclosed to you.

Within thirty business days of receipt, we will inform you in writing of the nature and substance of locatable, retrievable, and available recorded personal or financial information about you in our files. We will also identify the person or organizations to which we have disclosed this information within the past two years. In addition, you will be given the name and address of any consumer-reporting agency that prepared a report about you so you can contact them for a copy of that report if you wish.

After you have reviewed the personal or financial information about you in our file, you can contact us if you believe it should be corrected, amended, or deleted. Tell us what you think is wrong and why. We will consider your request and within thirty business days, either change our files or advise you that we did not and the reason why. If we do not make the changes, you will have the right to insert into our file a concise statement containing what you believe to be incorrect, relevant, or fair information and explaining why you believe the information to be improper. We will notify persons designated by you to whom we have previously disclosed information of the change or your statement. Subsequent disclosures we make will also include the change to your file or a copy of your statement.

How to contact us?

You may contact us at:
Agency Services, Inc.
PO Box 8959
Elkridge, MD 21075-8959
Tel: 800.339.9192; Fax: 410.684.2942