Stillwater Insurance is dedicated to respecting and protecting the privacy of those who visit and transact with us. When you quote or purchase a policy from us, we collect information about you and the property you are insuring. This Privacy Statement explains our privacy practices, including what non-public personal information (NPI) we collect, how we use it, to whom it is disclosed, and how to access your personal information that we have collected. 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 do not sell your personal information to anyone.
We require our employees to protect your personal information and keep it confidential.
We do not share your information with non-affiliate companies for their promotional use.
We require persons or organizations that represent or assist us in servicing your policy and claims to keep your information confidential.
You may review and correct your information.
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 consumer or other reporting agencies;
Information we receive from you through your interaction with our mobile app, such as how often you use the application, events that occur within the application, aggregated usage, performance data, and where the application is downloaded from;
Information we receive from you through our internet web site(s), 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).
How we use your personal information:
We use the personal information we collect to sell, underwrite and rate, service and administer insurance; to handle claims; to create and market products and services; to prevent and detect fraud; to satisfy legal or regulatory requirements; and for other business purposes and as otherwise allowed by law.
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.
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. 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 authority.
Sharing of Personal Information with Service Providers
Where permitted by law, we may also disclose Application or Transactional Information to service providers that helps us market our products.
Right to Opt Out of Information Sharing with Non-affiliated Parties Other Than As Permitted By Law
We will not share your NPI with other companies for their independent marketing purposes without your consent other than as permitted by law. There is no need to opt out or tell us not to do this.
Right to Access Your Personal Information and Ability To Correct Errors Or Request Changes Or Deletion(s)