Privacy Policy

PRIVACY NOTICE

As a valued client, we appreciate the opportunity to serve you by providing quality insurance programs and other financial services. We take seriously the issue of safeguarding your privacy. We believe that you should understand what non-public personal information we collect, how we use the information and how we safeguard it. This Privacy Notice describes the privacy practices of Pepper, Johnstone & Company, Inc. (“PJ&C”) regarding the collection, use, security, and sharing of non-public personal information of our clients.

1. Collecting Information

   We collect non-public personal information, which is personally identifiable information about you obtained by PJ&C in connection with providing products and services to you from the following sources:

   • Information we receive from you on applications or other forms which may be received in person, by mail, by phone, by fax or online.
   • Information about your transactions with us, our affiliates or others.
   • Information from reporting agencies. This may include consumer reporting agencies, motor vehicle reports, claim reports, medical providers, credit reporting agencies, other insurance carriers and the like.
   • Information received to adjust, investigate, or settle your insurance claims, and your claims history.
2. Client Information We Share With Others

   We will only disclose your non-public personal information as permitted or required by law. We may disclose non-public personal information to insurance carriers, reinsurers, service providers for marketing services and/or actuarial studies, nonaffiliated third parties, affiliated companies, regulatory authorities, consumer reporting agencies, and law enforcement agencies or other governmental authorities to protect your interest.

3. How Do We Protect Your Non-public Personal Information

   We value your trust and feel your information is the cornerstone of our ability to provide you with superior products and services. PJ&C allows its employees to access non-public personal information only when there is an appropriate reason to do so, such as to administer or provide products or services, or to otherwise perform their job responsibilities. Employees who misuse this information are subject to disciplinary action. We maintain physical, procedural and electronic safeguards to protect your non-public information.

4. Changes to Our Privacy Policy

   We reserve the right to change this privacy policy at any time. If we make material changes, we will provide a revised Privacy Notice.

5. Maintaining Accurate Information

   We maintain procedures to ensure the information we collect is accurate, up-to-date, and as complete as possible. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request that we make additions or corrections, or if it is feasible, that we delete this information from our files. Your request must be in writing and you should mail your request to us, addressed as follows (Be sure to include the name of any insurance company, your policy number, name, address and phone number with your request.): Pepper, Johnstone & Company, Inc., Attention: Privacy Services, 122 W. Market Street, Athens, Alabama 35611.

6. Internet Policy

   Visitors are not required to provide any personal information to us in order to access our website, but may choose to provide such information to us. We employ the common practice of using IP addresses to analyze trends, administer the site, track the user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

If after reading this, you have any questions or special requests about our privacy policy or information contained in our files, please write to us at the above address.

Thank you for allowing us to serve you. As described in our Privacy Notice, we aim to continually protect your non-public information.