Copyrights, Disclosures, and Disclaimers

We value your business and the trust you have placed with us. That is why we want to assure you that we are serious about keeping your personal information private before, during and after your business relationship with us. This notice describes our policy on collection and disclosure of your non-public personal information.

Where does your information come from?

We collect personal information about you from:

• Applications or other forms you complete;
• Your business dealings with us and other companies; and
• Consumer reporting agencies

What information is shared?

We may disclose the following personal information about you:

• Information from your application or other forms, such as your name,
  address, social security number, assets, income, and beneficiaries;
• Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history; and
• Information from consumer reporting agencies, such as your credit history.

Who receives your information?

We do not disclose any personal information about you to anyone unless allowed by law. We do not share your financial information with any other businesses to market products or services to you. However, when your current policy comes up for renewal, we may share your information with other insurance companies in order to obtain competing quotes or to provide you with alternate coverage or prices. If you wish to prevent that from happening you may “opt out”. That term is explained below.

What does “opt out” mean to you?

If you do not want us to attempt to obtain alternate coverage or better prices from a different insurance company when your current policy comes up for renewal, you may tell us now. By “opting out,” you will instruct us not to share or disclose any personal information with other insurance companies for the purpose of obtaining renewal quotations. If you wish to opt out, call us at 1-800-788-2838. We may share information about you if we do not hear from you within 30 days. However, you may opt-out at any time. Just call or email us at . Even if you opt-out, we may still disclose information as allowed by law.

Who sees your information?

We protect your nonpublic personal information. The only employees who have access to that information are those who must have it to provide products or services to you.

How to review or change your information?

You may write to us if you have any questions about the information that we may have in our records about you. If you wish, you may inspect this information in person or receive a copy at a reasonable charge by sending us a written request. You can notify us in writing if you believe any information should be corrected, amended, or deleted and we will review your request. We will either make the requested change or explain why we did not do so. If we do not make the requested change, you may submit a short written statement identifying the disputed information, which will be included in all future disclosures of your information. You may send your written request to us at NorthWest Insurance Agency, Inc., P.O. Box 1180, Santa Rosa, CA 95402. All written requests must include your name, address, telephone number, policy number, and a photocopy of a picture ID for identification purposes.

Privacy Statement

NorthWest Insurance Agency is committed to protecting your privacy as a visitor to this Website and as our customer. To our visitors and to our customers, we offer this pledge:

NorthWest Insurance Agency is the owner of the information, which is collected on this Website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

Information Collection

We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Website. When you enroll for an insurance policy at NorthWest Insurance Agency, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of NorthWest Insurance Agency, so we can provide you with policyholder service. The employees of NorthWest Insurance Agency are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.

When you purchase an insurance policy from NorthWest Insurance Agency, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

When you send us e-mail from this Website, you will provide us with certain personally identifiable information including your e-mail address.

Cookies

A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this Website. We may utilize a short-lived form of cookie when you visit this site. At NorthWest Insurance Agency, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our Website for more than 20 minutes. Should a previous visitor to our Website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.

Third-Party Links

This Website may contain links to third-party Websites that are not controlled by NorthWest Insurance Agency. These third-party links are made available to you as a convenience and you agree to use these links at your own risk.

Please be aware that NorthWest Insurance Agency is not responsible for the content of third-party Websites linked to NorthWest Insurance Agency nor are we responsible for the privacy policy or practices of third-party Websites linked to NorthWest Insurance Agency. Our Privacy Policy only applies to information we collect from you while you are actively in a connection with NorthWest Insurance Agency. If you should link to a third-party Website from NorthWest Insurance Agency, we strongly encourage you to review and become familiar with that Website's privacy policy.

Changes In Our Privacy Policy

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. If you have any questions about our privacy policy, please feel free to contact us.

Copyright

The NorthWest Insurance Agency logo, and other marks, including the names of various products and services described within and offered by companies represented by NorthWest Insurance Agency and its subsidiaries are service marks of these companies.

Permission to use, copy and distribute these materials without fee is hereby granted, for non-commercial purposes, provided that the material is unaltered and NorthWest Insurance Agency copyright notice appears in all copies.

Use of this site shall be governed by and construed in accordance with the laws of our state of business, without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of business.

Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Compensation Disclosure

Our firm may be eligible/is eligible for additional commission and incentive compensation from the insurer with which the policy is placed, based upon the volume, profitability, growth, retention, and other factors of the business we place. This may include payments of money, cooperative marketing allowances, trips with executives of the insurer paid for by the carrier, and other financial or business awards or incentives. The firm also receives compensation, from time to time, for referrals we make to other businesses such as premium finance companies. Any additional or incentive compensation we receive from the insurer is paid to the firm, and not to the individual employee of the firm who is working with you to obtain the insurance products or services you have requested.

Our firm will attempt to obtain one or more quotes for insurance coverage suitable for the needs and preferences you have communicated to us, and will provide you with the quotes we obtain that we believe suit your needs. Please remember, however, that YOU are ultimately responsible for determining which insurance company you want to underwrite your policy, what coverages you need for your protection, the amount of insurance you need, and other issues.

If you would like more information about our compensation or have any questions, please contact us.

Thank you for trusting our firm with your insurance needs. We understand the vital role that insurance plays in providing you with financial security and peace of mind. We appreciate your business.