Information We Collect and the Means Used to Collect
Arbor collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. Arbor collects this necessary information from the following sources:
- Information we receive from you on applications or other forms. This information may include, but is not limited to, your name, address, social security number, and date of birth.
- Information about our clients’ transactions with us. This information may include, but is not limited to, claims and payment history.
- Information we receive from a consumer reporting agency. This information may include, but is not limited to, a driving record or insurance score report.
To collect customer information from the above-stated sources, Arbor may use the following means of communication to gather information: written, in-person, phone, fax, electronically, and online.
How We Share Client Information with Non-Affiliated Third Parties
Arbor does not share information about our customers or former customers with non-affiliated third parties other than as permitted or required by law. For example, Arbor may share all of the information listed above with non-affiliated third parties for, including but not limited to, the following reasons:
Information that is necessary to service or process the insurance needs of our clients, in a manner that is consistent with the usual and customary services provided by independent insurance agents. Such usual and customary services or processes provided by Arbor to our customers include but are not limited to, underwriting, shopping the renewal, rating, placement, and providing quotes for insurance that is germane to the coverage the customer places with our agency.
- Information that is necessary to protect the confidentiality or security of our client’s records.
- Information that is necessary to resolve client disputes or inquiries.
- Information that is required by individuals or entities that are assessing our legal compliance.
- Information that is required for Arbor to comply with the law.
- Information required by an actuarial or research organization for the purpose of conducting actuarial or research studies.
- Information that is necessary to protect against or prevent fraud, unauthorized transactions, claims, or other liability.
How We Share Client Information with Affiliated Parties
Arbor does not share client information with any affiliates.
Our Practices Regarding Information Confidentiality and Security
Arbor maintains physical, electronic, and procedural safeguards to guard your information. These safeguards include but are not limited to the following:
- We restrict access to nonpublic personal information about our clients and former clients to those employees who need to know that information in order to assist in providing services or products to the customer.
- We will punish any employees who impermissibly share client information.
- We use a secure internet and email provider to protect the confidentiality of electronic communications.
Our COVID-19 Disclaimer
Please be advised that the unprecedented nature of the COVID-19 pandemic has resulted in rapid and continuous changes to federal, state, and local laws, rules and regulations. Any information, comments, analysis, and/or recommendations from us relative to the possible impact of COVID-19 and the status of those laws regarding potential insurance coverage, claims or other policy implications are intended solely for informational purposes, are based upon the laws in effect as of the date the information is offered, and should not be relied upon as legal advice. We suggest you consult your legal counsel on any legal matters. As an insurance agent, Arbor Insurance Group has no authority to make claim or coverage decisions. That responsibility is held exclusively by the issuing insurance carrier. All claims should be submitted to the insurance carrier for evaluation. Because of the ever changing nature of this situation, Arbor Insurance Group cannot assume an obligation to update, correct, or otherwise supplement any recommendation that is rendered inaccurate by changes in the law.