Our company is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, organization whose mission is to advance privacy and trust in the networked world. This privacy statement covers the site www.Deerbrook.com. Because this Web site wants to demonstrate its commitment to our users' privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.
If users have questions or concerns regarding this statement, they should first contact Deerbrook Insurance Marketing by e-mail. If they do not receive acknowledgment of their inquiry or their inquiry is not satisfactorily addressed, they should then contact TRUSTe through the TRUSTe Watchdog Dispute Resolution Process. TRUSTe will serve as a liaison with the Web site to resolve users concerns.
We want you to know that we respect your privacy and protect your information.
Below we've provided answers to questions that might be on your mind regarding privacy. You may be wondering...
- We do not sell customer information.
- We do not share customer information with persons, companies, or organizations outside of our company that would use that information to contact you about their own products and services.
- We expect persons or organizations that provide services on our behalf to keep customer information confidential and to use it only to provide the services we've asked them to perform
- Within Deerbrook, we communicate regarding the need to protect your information to those individuals who may have access to it, and we've established physical, electronic, and procedural safeguards to protect customer information.
What kind of customer information do we have, and where did we get it?
Much of the customer information that we have about you comes directly from you. You gave some of this information to us on your application or request for insurance or other products we offer. We keep information about the types of products and services you purchase from us, as well as, account balances and payment history.
Depending on the nature of the transaction you are completing with us, you may be asked to provide information to us, our affiliates, agencies, or other entities working on our behalf. The kinds of customer information you may be asked to provide could include: information we receive from you on applications or other forms, such as your name, address, and Social Security number; and information about your transactions with our affiliates, others, or us-for example, your policy coverage, premiums, and payment history.
We also may collect information from outside sources, including consumer reporting agencies and health care providers. This information includes loss information reports, motor vehicle reports, credit reports, and medical information.
What do we do with customer information?
We do not sell customer information, or medical information, to anyone. Nor do we share it with companies or organizations outside of our company that would use that information to contact you about their own products and services. If that practice were ever to change, we would, of course, offer you the ability to opt out of this type of information sharing, and we would offer you the opt-out with plenty of time for you to respond before the change in our practice took place.
To help you with your overall insurance program, your agent or broker may use customer information for marketing purposes. We may also use customer information to communicate with you about products, features, and options you have expressed an interest in or that we believe may be of interest to you.
To transact business on your behalf, we may find it necessary to provide customer information, without authorization but only as permitted or required by law, to persons or organizations both inside and outside of our company when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our web site. These include, for example: our affiliated companies, companies that perform marketing services on our behalf, or other financial institutions with which we have a joint marketing agreement for the sale of our own products, and your agent or broker.
How do we protect your customer information?
When we share customer information with companies working on our behalf, we expect those companies to use that information only to provide the service we have asked them to perform. Within our company, customer information is available to those individuals who may need to see it to fulfill and service the needs of our customers. We communicate regarding the need to protect customer information to all employees and agents, especially those individuals who have access to it. Plus, we've established physical, electronic, and procedural safeguards to protect customer information.
Finally, should your relationship with our company end, your customer information will remain protected in accordance with our privacy practices as outlined in this Important Notice.
How can you find out what information we have about you?
You may request to either see, or obtain from us by mail, the customer information about you in our records. If you believe that information is incomplete or inaccurate, you may request that we make any necessary corrections, additions or deletions to the disputed customer information. To fulfill your request, we may make arrangements with an insurance support organization or a consumer reporting agency to copy and disclose customer information to you on our behalf. You may also request a more complete description of the entities to whom we disclose customer information, or the circumstances which might warrant such disclosures. Please either email us using the "contact us" part of the website or send any of the requests listed above in writing to:
Customer Privacy Inquiries
P.O. Box 650052
Dallas, TX 75365
If you are an Internet user...
Deerbrook.com provides information about our products, and the agencies and brokers that represent us. You may also perform certain transactions on the website. This Privacy Statement applies to users of Deerbrook.com, regardless of whether the user is our customer.
We want to make sure our visitors feel very comfortable in dealing with our company on the Internet. In this spirit, we have developed the following policy regarding the privacy of the information we collect from our Web site visitors.
Do you log my activity on your site?
During the period you are logged onto our website, we record your IP address (a number assigned to your computer when you use the Internet), browser and platform type, domain name, access time, referral data and your activity while using or reviewing our site, but not your e-mail address unless you provide it to us.
Who should use our web site?
Our Web site relates to insurance products and services and is not intended for children. We do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.
Electronic Message and E-mail Security
The information we collect through your use of this site (such as your internet service provider, your e-mail address, and personal information you give us in addition to your e-mail address) is not sold or in any way voluntarily disclosed to third parties, except our agents, affiliates and subsidiaries, unless disclosure is required by law. We collect and keep this information for the purpose of answering your e-mail and measuring your interest in the various sections of our Web site. By storing this information, we can provide you with a more personalized Web experience and more efficiently deliver relevant content and product offerings to users of our Web site.
What security procedures do we use to guard against the loss, misuse, alteration, or theft of information while that information is being submitted to Deerbrook over the Internet?
We use a secure server implementing the Secure Sockets Layer (SSL) protocol to interact with you to safeguard the information you submit when you visit our Web site.
To help ensure the security of your personal and financial information that you submit to us (other than via an e-mail message), we use security software to encrypt the information before and during its transmission through the Internet. We only allow information to be submitted for transmission if your browser is compatible with our security software. If your browser is not compatible, you will receive a message indicating your transaction can be completed but at a lower level of security.
E-mail messages are not secure. Our security software does not encrypt e-mail messages. E-mail messages traveling through the Internet are subject to viewing, alteration, and copying by potentially anyone on the Internet.
We take seriously the issue of safeguarding your privacy online. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. However, please note that you should exercise discretion with respect to the submission of any personal information via e-mail. Please keep in mind that transmitting information via e-mail over the Internet is never completely secure and thus any information submitted may be intercepted, collected, used or disclosed by others. Therefore, we cannot guarantee its absolute security. If you are concerned about the security of your communication, we encourage you to send your correspondence to the address listed below. We are not responsible for the security or confidentiality of communication you send to us through the Internet using e-mail messages.
How Can You Reach Us?
If you have questions regarding our Privacy Statement, you can contact us at our postal address: Deerbrook; c/o Marketing Dept. K4, 3100 Sanders Road, Northbrook, IL 60062-7154. Or, you can reach us via e-mail.
We hope you have found this Privacy Statement helpful. If you are not comfortable with any of the terms or policies described in this Privacy Statement, we ask that you discontinue use of our site. Please be aware that we may periodically update or revise this Privacy Statement. If we change our online Privacy Statement, we will post a notice on our homepage notifying users that the policy has been revised. If you have any questions or would like more information, please don't hesitate to contact us as outlined above.