Privacy Policy of the Ken Jones Insurance Agency
At the Ken Jones Insurance Agency, protecting your privacy is very important to us. We value your trust and we want you to understand what information we collect, how we protect it, and how we use it. We treat personal information --- nonpublic information that identifies you --- with respect, and in accordance with this Privacy Policy.
Personal information is essential to provide you with the products and services you request.
Some of our business relationships with outside companies restrict the sharing of personal information with others. If you have obtained a product or service through one of these relationships and we have agreed with that outside company not to share information about you, we will follow those privacy and data sharing restrictions.
Our Privacy Policy
This Privacy Policy is applicable to information practices for Ken Jones Insurance Agency, Emerson & Jones PLLC, and Jones-Phillips Insurance Agency, LLC. This is our Privacy Policy:
- We will describe in plain English what personal information we collect, how we protect it, and what we may do with it.
- We will make available to prospective policyholders our Privacy Policy at the time of application, even though we are not required to provide them notice since our services are "necessary to effect, administer, or enforce a transaction requested or authorized by the consumer."
- We will maintain physical, electronic, and procedural safeguards to protect any personal information we obtain about prospective insureds and policyowners.
- We will require other servicing companies to whom we disclose personal information to adhere to our Privacy Policy standards.
- We will keep nonpublic personal health information confidential but will disclose it to outside companies with your authorization to obtain the products or services you request. We may disclose information, for instance, to companies to underwrite insurance, manage cases, administer and adjust claims, provide quality assurance, conduct research, and investigate fraud.
- We will give you additional disclosures or obtain your authorization when required by applicable state or federal law.
Please read on for details about our practices for handling and securing your personal information. This Privacy Policy includes examples of the types of information we collect and the kinds of companies with whom we may share information. These examples are illustrative and should not be considered a complete inventory of our information collection or sharing practices.
Information We May Collect
We may obtain information to pass on to other companies to provide you products and services you have requested, to service your coverage, and as we deem appropriate to determine your eligibility for products or services. We may collect identification and contact information, as well as transaction and experience information from applications, transactions with us and with others, and from outside companies. Examples of the sources and types of information we may collect include:
- Applications, registration forms, or other forms, containing your name, address, telephone number, social security number, e-mail addresses, income, assets, and accounts with others;
- Your transactions or experiences with us or outside companies, such as your insurance coverage, transaction history, claims history, and premiums;
- Credit reporting agencies and other companies, such as your obligations with others, your driving record, medical claims, and social security or tax identification number;
- Other companies, to assist us in marketing our services, may collect information about you and provide it to us such as your:
- 1) Name, address and telephone number;
- 2) You and others, such as information relating to your employment, other insurance coverage, habits, avocation, finances, credit, and other personal characteristics; and
- 3) Hospitals, doctors, laboratories, and other companies that provide information about your past or present health condition. Health information will be collected as we deem appropriate to determine eligibility for coverage, to process claims, and to prevent fraud, and as authorized by you, or as otherwise permitted or required by law.
Information We May Disclose And To Whom We May Disclose Information
We may disclose all the personal information we collect, as previously described. We may share personal information in the following types of situations:
Disclosures to Insurance Providers
We may disclose all the personal information we collect to insurance companies, reinsurers, administrators, financial services brokers, and others that provide products and services to you, such as:
- Providing applications, authorizations, illustrations, consents, questionnaires, financial information, physical examinations, lab tests and reports from examiners and personal physicians, attending physician's statements and copies of their respective charts, bank information, and other necessary information to evaluate eligibility for insurance and to issue insurance coverage.
- Preparing, printing, and delivering policies or statements and other documents on our behalf.
Disclosures To Marketing Firms
We may disclose all the personal information we collect to companies that help us market our products and services.
Disclosures To Outside Companies
We may disclose all the personal information we collect to outside companies for data entry, indexing and imaging of documents, ordering of reports and records of personal history, and other tasks that are necessary in our ordinary business.
Disclosure of Health Information
We may disclose all the health information we collect. We will not disclose it to outside companies that have no connection with your securing the products and services you are seeking. We may disclose information, for instance, to determine eligibility for coverage, to process claims, to prevent fraud, and as authorized by you, or as otherwise permitted or required by law.
Disclosures Permitted by Law
We may also disclose all the information we collect as permitted or required by law. For example, we may disclose information to law enforcement agencies, state insurance authorities, or in accordance with due process.
Our Security Procedures
We maintain procedures and technology designed to prevent unauthorized access to personal information. We maintain physical, electronic, and procedural protections in accordance with applicable standards to protect personal information. We restrict access to personal information to employees, insurers, and service providers for legitimate business purposes to assist in providing products and services to you. Employees who violate our Privacy Policy are subject to disciplinary action.
"Opting Out"
We are committed to protecting personal information, and to using or sharing it in ways that will improve or expand upon the services we provide to you. Our sharing personal information is necessary to obtain the products and services you are requesting. If there is some area, however, that would not prevent those products and services from being provided to you, and you would like to restrict any use of personal information in those areas, you may request through an opt-out response that we not share certain information.
It is important for you to know that this opt-out only applies to the information collected by Ken Jones Insurance Agency and its affiliates. Personal information obtained outside this agency may be shared with outside companies, provided you have not informed them that you do not wish your personal information shared with these outside companies. This Privacy Policy will not apply to your relationships with other financial service providers, such as insurance agents, insurance companies, and banks. Their privacy policies will govern how they collect, use and disclose personal information that you allow them to access.
How to Notify Us
If you wish to opt out of the sharing of information as described above, you may opt-out by writing to: OPT-OUT, Ken Jones Insurance Agency at 1501 Yarborough, TX 75092. Please include your name, complete address, and telephone number so we may adequately match your information with our database.