We do not disclose any nonpublic personal information about our customers or former customers, except as necessary to provide insurance and financial products or services to them. In order to obtain the products and services you need, we collect information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us or our affiliates
• Information we receive from consumer reporting agencies
• Information we receive from the companies we represent that provide insurance policies to you
• Information from other sources such as employers or government agencies

Examples of such information may include your name, address, social security number, policy coverage and limits, premiums, income, claims and beneficiaries.

As independent agents, we disclose the information described above on your behalf to insurance companies and other non-affiliated third parties.

We restrict access to personal information about you to those employees who need to know that information to provide insurance products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

If you require more privacy protection than what we provide, you may exercise your right to "opt out" of the information sharing described above. If you choose to "opt out" you must notify us in writing or call us at 636-532-0100.