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| What do we do with the personal information we have collected
about policyholders? |
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| The OFP does not disclose any of our policyholder's personal information
to companies or organizations not affiliated with us that would use
the information we have provided them to contact them about their
own products and services. |
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| A policyholder's agent may use policyholder personal information
in his or her files for marketing purposes or to help with a person's
overall insurance program. |
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| We may also use policyholder personal information as provided by
law and without prior permission, to provide personal information
about policyholders contained in our records or files to persons
or organizations such as: |
Persons who perform a business function for OFP,
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Policyholder's agent,
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Insurance support organizations,
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Other insurance companies in order to perform their role in
an insurance transaction involving the policyholder,
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Independent claim adjusters,
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Businesses that conduct actuarial or research studies,
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Regulatory or law-enforcement authorities,
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OFP participating companies,
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Contractors, which a policyholder has selected to provide repair
services on a claim,
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Persons or organizations requesting information by administrative
or judicial order, including search warrant or subpoena,
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Policyholders and loss payees for the purpose of providing information
regarding the status of insurance transactions,
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Lienholders, mortgagees, assignees, lessors or other persons
shown on our records as having a legal or beneficial interest
in a policy of insurance on your property.
|
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| What kind of personal information do we have and where did
we get it? |
| Much of the personal information that we have about a policyholder
comes directly from the person. The policyholder disclosed much of
this information to us on the application or previous claim requests.
We may contact policyholders by telephone or mail for additional
information. We also keep information about the types of products
and services policyholders purchase from us, as well as account balances
and payment history. Depending on the nature of the transaction policyholders
are completing with us, the policyholder may be required to provide
the OFP, insurance agents or other entities working on OFP's behalf
with information. That information may include, for example, a policyholder's
name, mailing address, phone number, location of insured property,
whether the property will be occupied by the policyholder or whether
it will be used as rental property, the estimated cash value of the
property, details about the construction of the property, name and
address of the mortgagee, present or prior insurer that insured the
property, information on whether the property is located in a flood
zone and policy information regarding flood insurance that has been
issued through the National Flood Insurance Program. |
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| How do we protect policyholder personal information? |
| When we share personal information with companies working on OFP's
behalf, we protect that personal information where required by law
with a vendor agreement that obligates those companies to conform
to our standards and keep confidential any information about the
policyholders that we give them. Finally, should a policyholder terminate
coverage with the OFP, personal information will remain protected
in accordance with our privacy practices as outlined in this important
notice. |
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| How can a policyholder find out what information we have
about the person? |
| The policyholder may request to obtain from us by mail, the personal
information about the policyholder in our records. |
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|
INFORMATION SHARING
|
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| We may share personal information about policyholders with companies
or other organizations outside OFP as required by or permitted by
law. For example, we may share personal information to: |
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Process an insured's OFP insurance policy;
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Process claims under an insured's OFP insurance policy;
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Provide information to insurance rate advisory organizations;
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Protect against fraud;
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Respond to a subpoena or;
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Otherwise service a person's policy.
|
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| OFP may work with companies or organizations outside of OFP to
affect, administer or enforce the provisions of a person's policy.
Consequently, we may disclose any of the personal information that
we have collected about policyholders to those entities necessary
to carry out these provisions. For the protection of policyholders,
we require that these companies keep all personal information secure
and confidential. |
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| Persons who have any questions about this policy or would like
more information, please contact your local agent or the OFP office. |
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| Notification of this Privacy Policy will be sent to each new policyholder
with the issue of their original policy form and sent yearly with
the renewal of existing insurance coverage. |
