Privacy Policy
SWBC will never sell its customer lists or nonpublic personal information to any third party.
SWBC respects your right to privacy, and we have always placed a high priority on protecting the personal information you provide us. SWBC agrees to maintain the confidentiality of personal consumer information solely for purposes of our Agreements, agrees that all confidential consumer information shall be held in strict confidence, using the same care as is used in handling its own confidential information, and agrees that it will not use such information to its own commercial advantage or in any other manner except in the performance of our Agreements.
Safeguarding Information
Information about you is safeguarded in a number of ways. We use transport data encryption and storage password technology for storage of data in a controlled and secure environment, to protect personal information about you. We also employ a variety of physical, electronic and procedural safeguards in areas containing nonpublic personal information and maintain on-site supervision of these areas. Some of the measures taken to ensure the security of information about you include: - Secure facilities with access controls at public points of entry, as well as the use of security systems;
- Access to customer records is restricted to employees whom we determine need the information in order to provide products and services to you, such as underwriting, claims processing and policyholder service;
- Contractually requiring business partners to safeguard and prevent the unauthorized use of personal information;
- Protecting information through security-enhancing software such as virus and intrusion detection software, and secure technologies to safeguard transmission of information through our Web sites;
- Auditing company security practices.
Information We May Collect
We collect and use information we believe is necessary to administer our business, to advise you about our products, and to provide you with products and services and with customer service. We may collect and maintain several types of customer information needed for these purposes: - Information you provide to us on applications and other forms;
- Information from your transactions with us or our affiliates;
- Information from industry databases and marketing data providers;
- Information from consumer or credit reporting agencies.
The types of information we receive may include addresses, Social Security numbers, family information and financial information.
Disclosure of Information
SWBC will not share the nonpublic personal information of current or former customers with non-affiliated third parties except in these cases: - As permitted by law. For example, providing information in response to a subpoena or to industry regulators, to law enforcement agencies, for fraud prevention, or to credit bureau
- With companies related to us by common control or ownership ("affiliates");
- With parties that assist SWBC in servicing your loan or account with us or provide services to you on our behalf, such as insurers, credit unions, banks, or investigators. It is SWBC's policy to include confidentiality and data protection provisions in the contracts we make with these companies. We provide them with the limited information they need to perform their services for SWBC;
- In entering joint marketing agreements with selected financial institutions such as insurance companies, credit unions, banks, automobile dealers, securities and investment companies and home mortgage companies, enabling SWBC to provide a wide array of products and services to our customers. For business purposes, the following types of personal information may be provided to them: information we receive from you such as name and address, and information about your account transactions with us, such as coverages and payment history. It is SWBC's policy to include confidentiality and data protection provisions in the contracts we make with these companies. We provide the limited information they need to perform their services.
Collection of Information
SWBC’s Privacy Policy explains our collection, use, retention and security of consumer information and applies to SWBC products and services offered within the United States. Online activities of consumers, therefore, may be subject to both the Privacy Policy and the Digital Privacy Practices.
SWBC’s Digital Privacy Practices explain our privacy practices regarding the information we collect about you when you visit or transact business on our Web site. They do not constitute a contract or create legal rights or modify or amend any agreements SWBC has with customers.
Information Storage
If you submit an application or form to us online, or request an online transaction, SWBC may store the information you send in an electronic database. SWBC uses security measures to protect against the loss, misuse and alteration of data stored in our systems.
Third-Party Web Sites
Our Web site contains links to third-party sites that you may find useful. These sites may have their own privacy policies. You should review the privacy policy of any Web site before you provide personal or confidential information.
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