The information contained within this website is provided solely for general informational purposes and is not a complete description of all terms, conditions and exclusions applicable to the products and services described. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact your agent. Products and services referenced herein may not be available in all jurisdictions. Smith & Company, Inc. will not sell its products where it is unlawful under the securities laws or other laws of any jurisdiction.
Links to other internet sites that are not maintained by Smith & Company, Inc. may be accessed through this web site. Such external internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of Smith & Company, Inc. Smith & Company, Inc. is not responsible for the content of those sites nor does it approve, endorse or certify information available at any external site or linked addresses contained herein. Smith & Company, Inc. will in no event be liable for damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with using this site or using hypertext links contained herein. Smith & Company, Inc. will also not be responsible for computer virus contamination of your system. It is your responsibility to scan any downloadable materials received from the internet.
The information contained in this site is subject to change without notice. There is no commitment to update the information contained herein. All information and content is furnished "AS IS" without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose or non-infringement of third parties.
Smith & Company respects your concerns about maintaining strict privacy. Any information that you discloe to us is kept in confidence. In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with this information - particularly any personal or financial information. We agree that you have a right to know how we will use the personal information that you provide to us. Therefore, we have adopted this Privacy Statement to govern the use and handling of your personal information. The company reserves the right to modify this Privacy Statement any time from time to time
This Privacy Statement governs our use of the information that you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.
Information We Collect
Depending upon which of our services you are using, the types of nonpublic personal information that we may collect include:
- Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means
- Information we collect from you to underwrite a policy
- Information obtained when verifying the information you provide on an application or other form (including information from your driving records)
- Information about your transactions with us, or others including those companies that work closely with us to provide you with diverse products and services
- Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our customers
Use of Information
We request information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release your information to nonaffiliated parties except:
- as necessary for us to provide the product or service you have requested from us; or
- as permitted by law.
We may, however, store such information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose such as quality control efforts or customer analysis. We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies. Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, mortgage companies, home warranty companies and escrow companies. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies, or to other financial institutions with whom we or our affiliated companies have joint marketing agreements.
How to Opt Out Of or Stop Certain Disclosures About You
You may opt out of any disclosures that we make of nonpublic personal financial information about you to unaffiliated third parties. At this time, we do not intend to make disclosures of your nonpublic personal financial information to nonaffiliated third parties. Further, the opt out does not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other insurance companies or financial institutions that have joint marketing agreements with us. Please contact us toll-free at 1-866-977-8577.
How We Protect Your Information
We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Statement. We currently maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Disclosure of Information to Parties that Provide Services To Us
We may disclose all of the financial information we collect, as described above, to companies that perform marketing or other services on our behalf or to other insurance companies or financial institutions with whom we have joint marketing agreements, so that we may provide customers with competitive products and services. These institutions include, but are not limited to, insurance rating agencies, claims adjustment companies, title insurance agencies or companies, health care providers, reinsurers, actuarial agencies and regulatory agencies.
We may also disclose nonpublic personal financial or health information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our company, follow your instructions as you authorize, or protect the security of our records. We may not disclose personal health information beyond that required by law or to conduct our business unless expressly authorized by you in writing.
If you feel Smith & Company is not abiding by this Privacy Statement, please contact us by email or call us toll-free at 1-866-977-8577.