By law we are generally prohibited from sharing non public personal information about you with a third party unless we provide you with a notice of our privacy policies and practices describing the type of information we collect and 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 Conrad-Houston Insurance.

SOURCES OF INFORMATION ABOUT YOU

We collect information about you from:

• Insurance applications, forms and information you submit to us in order to obtain insurance coverage for you.
• Your business transactions with us such as payment history, policy coverage, premiums, payrolls, revenues, and claims information.
• Insurance Service Organizations, state departments of motor vehicles, consumer reporting agencies, premium auditors or inspection services (such as your credit history, driver records, payroll, and gross income)

USE OF INFORMATION ABOUT YOU

We may disclose the information 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 other insurance function for us.
• To any insurance institution, agent, or credit reporting agency 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 agency for either this agency or the entity to which 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 operation or services.
• To an actuarial or research organization for the purpose of conducting actuarial or research studies.
• We are committed to protecting your private information and we do not sell your information to others.

PROTECTING YOUR PRIVATE INFORMATION FROM UNAUTHORIZED ACCESS

We limit employee access to customer information to those employees with legitimate business reason for such access. We will safeguard any personal information we receive about you or from you.