FHH is a member of the financial services industry and, as such, our agency has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your information. The following is FHH's privacy policy regarding the customer information we collect. Contained in this privacy policy you will find (1) an explanation of the types of information FHH collects from our clients and the means used to collect such information, (2) an explanation of how FHH shares the information collected from our clients, and (3) an explanation of how FHH protects client information.

Information we collect and the means used to collect it

FHH collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. FHH collects this necessary information from the following sources:

Information we receive from you on applications; this information may include, but is not limited to, your name, address and date of birth.

Information about our clients' transactions with us and our affiliates; this information may include, but is not limited to claims and payment history.

Information we receive from a consumer-reporting agency; this information may include, but is not limited to, a driving record or insurance score report.

To collect customer information from the above-stated sources, FHH may use the following means of communication to gather information: written, in-person, by telephone, by facsimile, electronically, and online.

How we share client information with non-affiliated third parties

Under certain circumstances, the law permits FHH to disclose information that we collect (as described above) about you or others without your permission. For example, FHH may share client information with non-affiliated third parties without your permission for the following reasons:

Information that is necessary to service or process the insurance needs of our clients, in a manner that is consistent with the usual and customary services provided by independent insurance agents. Such usual and customary services or processes provided by FHH to its customers include but are not limited to underwriting, shopping the renewal, rating, placement, and providing quotes for insurance that is germane to coverage the customer places with our agency

Information that is necessary to protect the confidentiality or security of our clients' records

Information that is necessary to resolve client disputes or inquiries

Information that is required by individuals or entities who are assessing our legal compliance

Information that is required for FHH to comply with the law

Information requested by an actuarial or research organization for the purpose of conducting actuarial or research studies

Information that is necessary to protect against or prevent fraud, unauthorized transactions, claims, or other liability

Under no circumstances will we disclose any medical information other than as required or permitted by law.

Our practices regarding information confidentiality and security

We maintain physical, electronic, and procedural safeguards to guard your information. These safeguards include but are not limited to the following:

We restrict access to nonpublic personal information about our clients and former clients to those employees who need to know that information in order to assist in providing services or products to the customer

We will punish any employee who impermissibly shares client information

We use a secure Internet and e-mail provider to protect the confidentiality of electronic communications.

Fanelli Harley Harper & Associates appreciates your business and in order to continue building upon that relationship we believe it is necessary, not only from a legal standpoint, but also as a sound business practice that our customers understand the care our agency uses in handling your information. FHH will continue to monitor the effectiveness of this privacy policy and make changes and updates as necessary.

Thank you for choosing Fanelli, Harley, Harper for all your insurance needs.