Privacy Policy Notice

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act ("GLBA") and federal and state laws place limitations on how we may share nonpublic personal information about you with third parties and, in certain instances, require that we provide you with notice of our privacy policies and practices. In compliance with the GLBA and applicable state laws, The Chalmers Group of independent insurance agencies ("The Chalmers Group," "we," "our," or "us") provides this Privacy Policy to explain how we collect, use, protect, and disclose personal information.

OUR PRIVACY POLICIES AND PRACTICES:

1. Information We Collect

We collect nonpublic personal information about you from the following sources:

a) Information You Provide
Information we receive from you on applications, forms, questionnaires, website inquiries, communications, and other documents.

b) Transaction Information
Information about your transactions with us, our affiliates, insurers, or others, including policy information, payment history, claims activity, and coverage details.

c) Consumer Reporting Information
Information we receive from consumer reporting agencies and other third parties as permitted by law.

d) Website Information
When you visit our website, we may automatically collect certain information regarding your device and website usage, including IP address, browser type, operating system, pages viewed, referring website information, and other technical information through cookies and analytics technologies.

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 investigative consumer reports prepared by third parties at your request. If such information is requested:

    • You have the right to request to be interviewed in connection with the preparation of such a report.
    • Upon request, you are entitled to receive a copy of the report.
    • You may receive information regarding the nature and scope of the investigation, subject to applicable law.

2. Information We May Disclose to Third Parties

We may disclose nonpublic personal information about you to third parties as permitted by applicable law. In the course of our general business practices, we may disclose information we collect about you to the following types of institutions and organizations:

  • To third parties that perform business, professional, administrative, technology, website, communications, insurance, or other services on our behalf.
  • To insurance institutions, agents, brokers, or consumer reporting agencies to detect or prevent fraud, criminal activity, unauthorized transactions, or material misrepresentation.
  • To insurance institutions, agents, brokers, or other entities involved in an insurance transaction concerning you.
  • To medical providers or medical care institutions to verify coverage, benefits, treatment information, or conduct authorized audits.
  • To insurance regulatory authorities, law enforcement agencies, government agencies, courts, or other authorized entities as required or permitted by law.
  • To actuarial, statistical, research, audit, technology, cybersecurity, or compliance organizations for legitimate business purposes.

Joint Marketing
We may disclose the following information to financial institutions with whom we maintain joint marketing agreements:

    • Your name and address; and
    • Information regarding your transactions with us, including policy coverage, premium information, and payment history.

Under no circumstances will we disclose medical information, claim information, information regarding civil or criminal proceedings, or information relating to your character, personal habits, mode of living, or general reputation for marketing purposes.

If you prefer that we do not disclose nonpublic personal information about you for purposes of joint marketing agreements, you may opt out of such disclosures by contacting:

Privacy Coordinator
The Chalmers Group
1-800-360-3000

3. Third-Party Service Providers

We may engage trusted third-party service providers to assist in operating our business, maintaining our website, providing technology services, processing communications, conducting analytics, and supporting insurance-related operations.

We require such service providers to maintain appropriate safeguards designed to protect the confidentiality, integrity, and security of personal information and to use such information only for authorized business purposes.

4. Website Cookies and Analytics

Cookies and Similar Technologies
Our website uses cookies and similar technologies to enhance website functionality, improve user experience, maintain website security, and understand how visitors interact with our website.

You may configure your browser to reject cookies or notify you when cookies are being used. However, certain features of our website may not function properly if cookies are disabled.

Google Analytics
We use Google Analytics to help analyze website traffic and improve the performance and usability of our website. Google Analytics may collect information including:

    • IP address;
    • Browser and device information;
    • Pages visited;
    • Time spent on pages;
    • Referring websites; and
    • Other website usage data.

Google Analytics uses cookies and similar technologies to collect this information. Information generated by these technologies may be transmitted to and stored by Google in accordance with Google's privacy practices.

To learn more about how Google collects and processes data, please visit: https://policies.google.com/privacy

To opt out of Google Analytics tracking, you may install the Google Analytics Opt-Out Browser Add-on: https://tools.google.com/dlpage/gaoptout

5. Access to and Correction of Your Personal Information

You may request access to personal information we maintain about you. Upon proper request, we will inform you of:

    • The nature and substance of the recorded personal information;
    • The identity of any institutional source from which we obtained the information; and
    • The identity of any persons to whom we have disclosed such information within two (2) years prior to your request, as required by applicable law.

You may review the information in person or request that copies be mailed to you. We may charge a reasonable fee to cover the cost of providing copies.

You may also request corrections, amendments, or deletions of information we maintain about you.

To Obtain Access to Your Information
Submit a written request to:

Privacy Coordinator
The Chalmers Group
100 Main Street
P.O. Box 189
Bridgton, ME 04009

Your request should include:

    • Name
    • Address
    • Telephone number
    • Any information necessary to identify your records
    • The information to which you are requesting access

We will respond within the timeframe required by applicable law.

To Correct, Amend, or Delete Information
Submit a written request to the Privacy Coordinator at the address above and include:

    • Your name and address
    • Telephone number
    • The specific information in dispute
    • The record containing the disputed information
    • The requested correction

If we decline your request, we will explain the reasons and provide information regarding any rights available to you under applicable law.

6. Our Practices Regarding Information Confidentiality and Security:

We allow access to nonpublic personal information about you only to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

7. Security Incidents

In the event we become aware of a security incident involving personal information, we will investigate the matter promptly and provide any notifications required by applicable federal or state law.

8. SMS Communication Policy

We may offer the ability to communicate vis SMS messaging. SMS consent and phone numbers will not be shared with third parties or affiliates for marketing purposes. You can visit this page to view our SMS Terms & Conditions.

9. Changes to This Policy

We reserve the right to modify this Privacy Policy and our information practices at any time. Any changes will be reflected in an updated version of this Privacy Policy. When required by law, we will provide notice of material changes.

Contact Us
If you have questions regarding this Privacy Policy or our privacy practices, please contact:

Privacy Coordinator
Chalmers Insurance Group
P.O. Box 189
Bridgton, ME 04009
Phone: 1-800-360-3000
Website: www.chalmersinsurancegroup.com