Emerson, Reid & Co. provides this notice to you, our customer, so that you will know what we will do with the personal information, personal financial and health information (collectively referred to as the "protected information") that we may receive from you directly or receive from your healthcare provider or receive from another source that have authorized to send us your protected information. We at Emerson, Reid & Co. are concerned about your privacy and assure you that we will do what is required of us to safeguard your protected information.
What types of information will we be collecting?
Emerson, Reid & Company collects information from you required both for our business and pursuant to regulatory requirements. Without it, we cannot provide our products and services for you. We will be collecting protected information about you from
• Applications or other forms, such as name, address, Social Security number, assets
and income, employment status and dependent information;
• Your transactions with us or your transactions with others, such as account activity,
payment history, and products and services purchased;
• Consumer reporting agencies, such as credit relationships and credit history. These
agencies may retain their reports and share them with others who use their services;
• Other individuals, businesses and agencies, such as medical and demographic
• Visitors to our websites, such as information from on-line forms, site visitorship data
and on-line information collection devices, commonly called “cookies.”
What will we do with your protected information?
The information Emerson, Reid & Company gathers is shared within our company to help us maximize the services we can provide to our customers. We will only disclose your protected information as is necessary for us to provide the insurance products and services you expect from us. Emerson, Reid & Company does not sell your protected information to third parties, nor does it sell or share customer lists.
We may also disclose all of the information described above to third parties with which we contract for services. In addition, we may disclose your protected information to medical care institutions or medical professionals, insurance regulatory authorities, law enforcement or other government authorities, or to affiliated or nonaffiliated third parties as is reasonably necessary to conduct our business or as otherwise permitted by law.
Our Security Procedures:
At Emerson, Reid & Company, we have put in place the highest measures to ensure the security and confidentiality of customer information. We will handle the protected information we receive by restricting access to the protected information about you to those employees and agents of ours who need to know that information to provide you with our products or services or to otherwise conduct our business, including actuarial or research studies. Our computer database has multiple levels of security to protect against threats or hazards to the integrity of customer records, and to protect against unauthorized access to records that may harm or inconvenience our customers. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to safeguard all of your protected information.
Our Legal Use of Information:
We retain the right to use ideas, concepts, know-how, or techniques contained in any nonpublic personal information you provide to us for our own purposes, including developing and marketing products and services.
Your Right to Review Your Records:
You have the right to review the protected information about you relating to any insurance or annuity product issued by us that we could reasonably locate and retrieve. You may also request that we correct, amend or delete any inaccurate information by writing to us at the above address.