Privacy Policy


PRIVACY AT HRA INSURANCE SERVICES, INC. AND ITS AFFILIATES ("HRA")

INITIAL AND ANNUAL NOTICE TO RESIDENTS OF ALL STATES
IN WHICH WE SELL INSURANCE TO CONSUMERS

Your PRIVACY Is Important To Us


Our goal is to maintain your trust and confidence when handling personal information about you.

Affiliates:

An "Affiliate" of any entity, for purposes of this privacy policy document, is a second entity that controls, is controlled by, or is under common control with the first entity.

Security of Personal Information:

The security of personal information about you is our priority. We protect this information by maintaining physical, electronic and procedural safeguards. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

Privacy at HRA:

The following Notices describe what information we collect and may disclose.

HRA'S PRIVACY POLICY

HRA Insurance Services, Inc., and its Affiliates, are headquartered in Atlanta, Georgia. Affiliates include: Insuretrust.com, LLC. In this document, HRA Insurance Services, Inc. and its Affiliates are referred to together as "HRA," "We," "Us," or "Our." The products and services HRA sells ("products") include only various forms of insurance.

We care about the privacy of our clients who obtain products or services from us for personal, family or household purposes ("you"). We apply the same sharing policies to former clients that apply to current clients. We may amend our privacy policy from time to time.

I.    DATA SECURITY

HRA protects your personal information ("data") by maintaining physical, electronic and procedural safeguards that meet or exceed legal requirements. HRA provides your data only to those who agree to follow proper standards of security and confidentiality. HRA instructs its authorized employees how to properly handle your data.

II.    DATA WE MAY COLLECT AND DISCLOSE

Examples:
  • Data you put on applications or other forms: your name, address, social security number, assets, income, beneficiaries, etc. and, for some kinds of insurance, medical information;
  • Data about your transactions with us or others: your policy coverage, premiums, account balances and payment history, etc.;
  • Data from consumer reporting agencies and insurance support organizations that may retain and disclose it to others: your medical history, creditworthiness and credit history, etc.;
  • Data from others, including Reps: contact information, etc. to process your business.
We collect this data to process the product you want. Generally, we disclose it to service your product.

Permitted Sharing. We share your data:
  • with your consent or at your direction; and
  • without your consent as permitted by law: to affiliates, and to allow others to perform services on our behalf and to comply with legal requirements (such as subpoenas), etc.
We do not share medical data unless permitted by law.

This notice applies to information that identifies you personally. We may use information which does not personally identify you to help manage our business and to develop products that provide us, our Affiliates and other companies insight into consumer spending behavior.

III.    PARTIES TO WHOM WE MAY DISCLOSE YOUR DATA IF PERMITTED

Examples:
  • Insurance services providers: entities, including insurers, reinsurers, underwriters and brokers, who provide insurance products for us to sell;
  • Non-insurance companies: companies engaged in servicing products you request; and
  • Others as permitted by law: regulators, law enforcement, etc.
IV.    YOUR INSURANCE POLICY: CORRECTING YOUR DATA

If you apply for a policy, you have the right to see and to copy the data that we have about you. You also have the right to ask us to correct, amend or delete any data about you that you believe to be incorrect, and we will respond within 30 days. If the data should be corrected, we will update our files; we will send the correction to anyone who received the incorrect data in the last two years. If we do not agree that the data is incorrect, you have the right to give us a statement of what you believe to be the correct data. We will place your statement in your file. We will send it to anyone who received the original data. We will also send it to anyone who later receives the data.

However, we will not send you any medical data we received about you from a doctor or other health care provider. Instead, you should contact the provider directly to obtain the data. In addition, data collected because of, or in reasonable anticipation of, a claim or civil or criminal proceeding, is not subject to the rights described above.


HRA Insurance Services, INC. AND AFFILIATES ("HRA")

ADDITIONAL INFORMATION ABOUT OUR INSURANCE INFORMATION PRACTICES


Here is some more detailed information about our privacy practices:
We collect information from you on applications and other forms, from your transactions with us and our Affiliates, from credit reporting agencies and insurance support organizations (which may retain your information and disclose it to other persons), from doctors and medical service providers, from personal interviews and from investigative reports prepared by third party services. The information we collect includes the name, address, social security number and drivers license information of the policy owner and additionally, for proposed insureds, date of birth and medical information. We also collect identification information of beneficiaries.

We may disclose this information to others without your prior authorization to perform insurance functions involved in processing your application and servicing your existing business, to detect and prevent fraud and to report illegal activities, to perform actuarial and other research studies, to verify medical information with service providers, and to complete reports to regulators, law enforcement, company and affiliate auditors and fraud investigators.

You have the right to see and copy the information that we have about you. Within 30 business days of our receipt of your written request, we will inform you by telephone or in writing of the specific sources (i.e. name of doctor, medical facility), nature and substance of recorded personal information we have about you. You may see and copy the recorded personal information, in person, or obtain a copy of the recorded personal information by mail, whichever you prefer. However, we will not send you any medical information we have received about you from a doctor or other health care provider. Instead, you should contact the provider directly to obtain the information you seek.

You also have the right to ask us to correct, amend or delete any information about you which you believe to be incorrect, to ask the identity of those who have received a copy of your information from us, as well as the identity of the agencies, if any, that provided the information to us. Within 30 business days of our receipt of your written request, if the information should be corrected amended or deleted, we will update our files and send the correction, amendment or deletion to:
  1. any person who you designate who may have received the information within the preceding two years;
  2. any insurance support organization that has received such information within the preceding seven years; and
  3. any insurance support organization that furnished the information.
If we do not agree that the information is incorrect, we will tell you so, along with the reasons. You have a right to give us a statement of what you believe to be the correct information, which we will place in your file and send to anyone who received or will receive the original information.

Information collected in connection with, or in reasonable anticipation of, a claim or civil or criminal proceeding is not subject to these rights.

If you have any questions about the right of access or correction of the information in your file, please write: HRA Insurance Services, Inc. at HRA Insurance Services, Inc. P.O. Box 920398 - Norcross, GA 30010-0398.

Please include your policy number and some personal identification number, such as your driver's license number.

Customer Information Program

To fight terrorism, federal law requires us to verify who you are. When you apply for a product, we check your name, address, date of birth and your social security number. We will ask to see an ID.