Privacy Statement from Geo. M. Stevens Insurance

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	Your Privacy Is Important to Us At Geo. M. Stevens, we understand your expectations for privacy. Your privacy is a priority for the management and employees of Geo. M. Stevens & Son Company. Everyone who works for us is required to sign a confidentiality agreement as a condition of their employment. If you have any questions about our privacy policies below, please do not hesitate to contact us.

	General Privacy Statement Geo. M. Stevens & Son Co. has been serving the insurance needs of our customers and friends for over 125 years. To continue to provide the innovative products and services that respond to your insurance needs, we may collect certain personal information about you. It is important for you to realize that Geo M. Stevens & Son Co. is committed to protecting your privacy rights. We acknowledge your right to keep your own financial information confidential and, because of this, we have created this document to explain our privacy policy to you. In addition, we are complying with both state and federal laws which require insurance agencies (as well as all financial institutions) to notify you, our valued customers, about how we intend to treat your nonpublic personal financial information that you have entrusted us with. 1. Information we collect: We collect nonpublic personal information about you from the following sources: information we receive from you on application or other forms; information about your transactions with us, our affiliated or others; information we receive from a consumer reporting agency; and information on motor vehicle records. Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected from you. 2. Information we may disclose to third parties: We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. 3.Our practices regarding information confidentiality and security: We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulation to guard your nonpublic personal information. 4. Reservation of the right to disclose information in unforeseen circumstances: In connection with the potential sale or transfer of its interest, Geo. M. Stevens & Son Co. and its affiliates reserves the right to sell or transfer your information (including, but not limited to, your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that 1) concentrates its business in a similar practice or service; 2) agrees to be Geo. M. Stevens & Son Co.’s successor in interest with regard to the maintenance and protection of the information collected; and 3) agrees to the obligations of this privacy statement. <top> <HIPAA Privacy Statement>	HIPAA Privacy Statement Geo. M. Stevens & Son Co. and GMS Financial Services, Inc. Health Insurance Portability and Accountability Act of 1996 (HIPAA) Notice of Privacy Practices for Personal Health Information THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. We are required by law to maintain the privacy of Personal Health Information. We are required to abide by the terms of this notice so long as it remains in effect. We reserve the right to change our Privacy practices, procedures, and terms of this HIPAA Notice of Privacy Practices for Personal Health Information (PHI) as necessary within the legal boundaries of this Act. You may obtain a copy of this Notice by accessing our Website at www.geomstevensinsurance.com or by mailing a request to the address below. USES AND DISCLOSURES OF YOUR PERSONAL HEALTH INFORMATION We have made reasonable efforts to use, disclose and request only the minimum amount of protected health information needed to accomplish the intended purpose. Policies and procedures have been developed and implemented to reasonably limit uses and disclosures to the minimum necessary. For Payment We may use and disclose your Personal Health Information as necessary for payment purposes. For Health Care Operations We may use and disclose your Personal Health Information as necessary, and as permitted by law, for our health care operations such as underwriting, customer service, claims, fraud and abuse prevention and detection. We may use and disclose your Personal Health Information to provide you with information about other benefits and services that may be of interest to you. To Business Associates At times it may be necessary for us to provide some Personal Health Information to one or more of our business associates or agents. We require these business associates and agents to appropriately safeguard the privacy of your information. Additional Uses and Disclosures without Your Authorization We are permitted or required by law to make certain other uses and disclosures of your Personal Health Information without your authorization for any purpose as required by law. Complaints If your believe your privacy rights have been violated, you can file a complaint with us or with the Secretary of the U.S. Department of Health and Human Services in Washington, D.C., 200 Independence Ave., Washington, D.C. 20201. There will be no retaliation for filing a complaint. All complaints must be submitted in writing. How to Contact Us If you have questions or need further assistance regarding this Notice, or wish to exercise any of the above-mentioned rights, you may contact the HIPAA/Privacy Officer at the address below: Douglas Shearer GMS Financial Services, Inc. P.O. Box 271 Lancaster, NH 03584 1-800-675-2555 <top> <General Privacy Statement> Download HIPPA Privacy Statement (PDF file)
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