The privacy and security of the information that customers, agents, and adjusters provide to us is of utmost importance to us. The following policy statement has been developed to demonstrate our commitment to the privacy of those individuals and entities who have purchased an insurance policy through International Ag Insurance Solutions LLC (“IAIS”, “we”, or “us”) via our authorized agency network and those who assist in the sales and servicing of those policies as agents or adjusters. Our privacy and data security policies are designed to help us serve our customers, agents, and adjusters while maintaining strict privacy and security standards.
The core principles governing our activities and this policy are:
- We collect only information necessary or relevant to our business.
- We make a reasonable effort to ensure that information we act upon is accurate, relevant, timely, and complete.
- We only share personal information as permitted or required by law, as authorized by you, as necessary to provide the services for which you have engaged our company, and/or as required by the insurance program under which you have applied for coverage;
- We limit employee access to customers’ personal information to those who need it and are trained in the proper handling of personal information.
- What information we collect and why we collect it;
- How we protect it;
- How we use that information; and
- How and why in certain cases we may share it among our affiliates or with select other parties.
NOTE: For policyholders, personal and confidential information collected due to your application for and/or purchase of insurance policies written under the authority of the Federal Crop Insurance Act (“Act”, 7 U.S.C. 1501-1524), please see the specific notice below entitled: “COLLECTION OF INFORMATION AND DATA (PRIVACY ACT) STATEMENT” which you will also find on all policy documents on which data required by the policies issued under that program is requested/provided. That statement also applies to personal and confidential information required to be supplied by any agent or adjuster authorized to sell or adjust policies issued under the authority of the Act.
What kind of information do we collect about you and why?
We collect and retain information from and about you that is either required by the insurance programs for which you have applied or that we believe will help us to provide products, services, and other opportunities to you. Examples of the types of information we collect and retain for these purposes include, but are not limited to the following:
- Information you or someone on your behalf provides, such as an application for insurance, a loss notice or other claim form, and/or through telephone or in-person interviews;
- Information your insurance agent provides to us;
- Information from government agencies;
- Information your former insurance company provides to us;
- Information about your transactions and experiences with us, such as your payment history and underwriting and claim records;
- Information we receive from other third party sources, such as public information and data collection agencies;
- We also collect social security number or employer’s identification number on our insurance applications in order to comply with various government regulations; and
- We may collect bank account information for agents, adjusters, or policyholders that choose to pay amounts owed to us and/or receive payment from us via an automatic deposit/withdrawal (ACH) process.
How do we protect the confidentiality of information about you?
We maintain appropriate physical, electronic, and procedural security standards and safeguards to prevent unauthorized access to your information in whatever medium it is stored. We limit employee access to personally identifiable information to those with a business reason for knowing such information. Further, we educate our employees, agents, and independent contractors so that they will understand the importance of privacy and the confidentiality of personal information and we take appropriate disciplinary measures to enforce employee privacy responsibilities. Finally, we contractually require any person or organization with whom we share information about you to protect it and otherwise abide by applicable law.
Should you cease to be one of our policyholders it is our policy to archive your information for a period of seven (7) years.
What do we do with the information collected about you?
Information collected about you and retained by us, will be kept in our records. We use or disclose the information about you for our everyday business purposes, which includes: evaluating your request for insurance coverage; issuing and servicing your policy; providing insurance claims service; billing and collections; contacting you about your account; sending you necessary information; offering you other IAIS products and services that may suit your needs; and for such other purposes permitted by applicable law. With respect to the use of your information provided in connection with the Federal crop insurance program, some of the preceding stated uses are permitted only with your specific permission. Otherwise, your personal and confidential information may only be used to administer your policies under the Federal crop insurance program.
To whom do we disclose information about you?
We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated companies for their independent use unless: (1) you request or authorize it; (2) the information is needed to complete a transaction initiated by you; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure otherwise is lawfully permitted or required. By law, we are permitted to share information about you without prior permission under certain circumstances to certain persons and organizations such as (not all of these examples apply to information received as a result of your participation in the Federal crop insurance program, only those related to the administration of that program):
- Your agent or broker.
- Parties who perform a business, professional or insurance function for our company, including our reinsurance companies.
- Independent claims adjustesr, appraisers, investigators and attorneys who need the information to investigate, defend, or settle a claim involving you.
- Businesses that conduct scientific research, including actuarial or underwriting studies.
- Insurance support organizations that are established to collect information for the purpose of detecting and preventing insurance crimes of fraudulent claims.
- Insurance regulatory agencies in connection with the regulation of our business.
- Law enforcement or other governmental authorities to protect our legal interest or in cases of suspected fraud or illegal activities.
- Authorized persons as ordered by a subpoena, warrant, or other court order, or as required by law.
- Certificate holders or policyholders, for the purpose of providing information regarding the status of an insurance transaction.
We do not provide any personal information to non-IAIS affiliated companies for the purpose of independent telemarketing, e-mail or direct mail marketing for any non-financial products or services of those companies without your specific authorization to do so.
Making Changes To Your Information & Sharing Comments on This Policy
International Ag Insurance Solutions
1415 28th Street, Suite 125
West Des Moines, Iowa 50266-1468
The following statement applies solely to information on documents provided by policyholders, agents, or loss adjusters as a result of their respective roles in the sale, application for, purchase, or claims adjustment of policies issued under the authority of the Federal Crop Insurance Act:
COLLECTION OF INFORMATION AND DATA (PRIVACY ACT) STATEMENT
Agents, Loss Adjusters and Policyholders
The following statements are made in accordance with the Privacy Act of 1974 (5 U.S.C. 552a): The Risk Management Agency (RMA) is authorized by the Federal Crop Insurance Act (7 U.S.C. 1501-1524) or other Acts, and the regulations promulgated thereunder, to solicit the information requested on documents established by RMA or by approved insurance providers (AIPs) that have been approved by the Federal Crop Insurance Corporation (FCIC) to deliver Federal crop insurance. The information is necessary for AIPs and RMA to operate the Federal crop insurance program, determine program eligibility, conduct statistical analysis, and ensure program integrity. Information provided herein may be furnished to other Federal, State, or local agencies, as required or permitted by law, law enforcement agencies, courts or adjudicative bodies, foreign agencies, magistrate, administrative tribunal, AIP‘s contractors and cooperators, Comprehensive Information Management System (CIMS), congressional offices, or entities under contract with RMA. For insurance agents, certain information may also be disclosed to the public to assist interested individuals in locating agents in a particular area. Disclosure of the information requested is voluntary. However, failure to correctly report the requested information may result in the rejection of this document by the AIP or RMA in accordance with the Standard Reinsurance Agreement between the AIP and FCIC, Federal regulations, or RMA-approved procedures and the denial of program eligibility or benefits derived therefrom. Also, failure to provide true and correct information may result in civil suit or criminal prosecution and the assessment of penalties or pursuit of other remedies.
With respect to the Federal crop insurance program, International Ag is an equal opportunity provider.