Lord’s Insurance Agency of Southern California, Inc.
Privacy Policy
(as of 01-01-2005)

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Lord’s Insurance Agency of Southern California, Inc.

[The GLBA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a nonaffiliated third party for any purpose that is not specifically authorized by law.

Your right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for a purpose that is not specifically authorized by law is called your right to “opt out” of such information sharing.]

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect:
   We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms.
2. Information we may disclose to third parties:
   We may disclose all of the information that we collect about you, as described above.
3. Nonaffiliated third parties to whom disclosures may be made:
   1. We may disclose nonpublic personal information about you to the following types of third parties, unless you tell us not to:
      Financial service providers, such as automobile insurers, homeowner insurers, recreational vehicle insurers, general agents of such insurers, other insurance agents, insurer claim departments or their designated agent, or other entities which may need such information in order to obtain new or renewal insurance quotes or policies.
      We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law.
   2. B. Notification of Your Right To Opt Out of Certain Disclosures
      As we have indicated in this Privacy Policy Notice, we collect certain nonpublic personal information about you, and we may disclose that information to certain non-affiliated third parties for purposes other than those expressly permitted by the Gramm-Leach-Bliley Act the federal and state regulations implementing that Act. If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures that are expressly permitted by the Gramm-Leach-Bliley Act and its implementing regulations).
      If you wish to opt out of such disclosures to non-affiliated third parties, you may: Call us toll free at 800-642-6961 or e-mail us at privacy@lordsinsurance.com.
4. Affiliates with whom we share certain information protected by the Fair Credit Reporting Act, unless you tell us not to:
   1. Information we can share with our affiliates, unless you tell us not to:
      Information we obtain from your insurance application, such as your marital status or your address.
   2. Our affiliated companies who may receive this information are:
      Insurance providers, such as: Insurance companies, general agents or other providers of personal insurance products which require your information to provide new or renewal quotes or policies of insurance.
   3. How to tell us not to share this information with our affiliated companies: If you prefer that we do not share this information with our affiliated companies, you may direct us not to share this information by doing the following: Call us toll free at 800-642-6961; or Email us at privacy@lordsinsurance.com.
5. 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 regulations to guard your nonpublic personal information.
6. Our policy regarding dispute resolution: Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
7. Reservation of the right to disclose information in unforeseen circumstances: In connection with the potential sale or transfer of its interests, Lord’s Insurance Agency of Southern California, Inc. 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 Lord’s Insurance Agency of Southern California, Inc’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.