This Privacy Statement explains our privacy practices, including how we use your non-public personal information (“Personal Information”), and to whom it is disclosed. We may amend this Privacy Statement from time to time consistent with applicable privacy laws.

Each affiliated company of the Duval Holdings, Inc. Group follows the privacy practices described in this Privacy Statement. Depending on the business they perform, these affiliates may also share information as described below.

We may collect Personal Information about you from the following sources:

Information we receive from you on applications or other forms we receive from you or your authorized representative, such as your name, address, social security number, tax identification number, asset information and income information;

Information about your transactions with us or the services being performed by us, our affiliates or others, such as information concerning your policy, premiums, payment history, information about your home or other real property, information from lenders and other third parties involved in such a transaction, credit card numbers and payment histories;

Information we receive from you through our internet web sites, such as your name, address, email address, Internet Protocol address, the web site links you used to get to our site(s) and the pages viewed while at our site(s); and

Information we receive from consumer or other reporting agencies.

Protection of the Confidentiality and Security of Your Personal Information

We maintain physical, electronic and procedural safeguards designed to protect your Personal Information from unauthorized access or intrusion. We limit access to the Personal Information to those employees who need such access in connection with providing products or services to you or for other legitimate business purposes.

Sharing of Personal Information

We do not disclose Personal Information about our customers or former customers to anyone, except as permitted by law. We do not share information we collect from consumer or credit reporting agencies with our affiliates or others without your consent, unless such disclosure is otherwise permitted by law.

Consistent with applicable law, we may nevertheless provide all or some of the Personal Information described above (excluding information we receive from consumer or other credit reporting agencies) to the following individuals and companies:

  • To our affiliates, such as insurance companies and agents, to provide you with services you have requested or as otherwise permitted under applicable law;
  • To insurance agents, brokers, representatives, support organizations or others;
  • To the extent necessary to provide you with services you have requested, so long as the above entities and persons agree not to further disclose your Personal Information except to the extent necessary to carry out the requested service on your behalf;
  • To enable us to detect or prevent criminal activity, fraud, material misrepresentation or nondisclosure in connection with an insurance transaction and in connection with performing an insurance transaction for you;
  • To third-party contractors or service providers for the purpose of determining your eligibility for an insurance benefit or payment and/or provide you with services you have requested; and
  • To an insurance regulatory authority or a law enforcement or other governmental author.

Sharing of Personal Information with Service Providers

We may share some or all of the Personal Information (excluding information we receive from consumer or other credit reporting agencies) that we collect about you with nonaffiliated third parties to provide services or functions on our behalf pursuant to a contractual agreement prohibiting the third party from disclosing or using your Personal Information other than to carry out the purposes for which we disclosed the Personal Information. Such services may include the marketing of financial products or services offered pursuant to agreements between one or more financial institutions.

Right to Opt Out of Information Sharing with Non-affiliated Parties Other Than As Permitted By Law

Under certain circumstance not applicable here, financial institutions are required to offer consumers the right to “opt out” of the sharing of Personal Information with non-affiliated parties when such sharing of Personal Information is not authorized by law. Since we do not share your Personal Information with non-affiliated third parties (except as expressly permitted by law), this notice and “opt out” opportunity does not apply to you.

Right to Access Your Personal Information and Ability To Correct Errors Or Request Changes Or Deletion

As required by applicable law, we will afford you the right to access your Personal Information under certain circumstances to find out to whom your Personal Information has been disclosed and to request correction or deletion of your Personal Information. Where permitted by law, we may charge a reasonable fee to cover the costs incurred in responding to such requests. All requests must be made in writing to the following address:

Privacy Compliance Officer Duval Holdings, Inc.
P.O. Box 45126
Jacksonville, FL 32232-5126