Privacy Policy
Revised April, 2006
Protecting you and your family from loss is important to Bollinger.
Just as important to us is protecting your privacy and the personal information
we use to provide you with superior products and service.
The policy of Bollinger and its subsidiaries is to maintain appropriate
confidentiality with regard to all personal information obtained in the course
of doing business with you. Our pledge to protect your privacy is
reflected in this Privacy Policy which outlines our procedures for collecting,
using and safeguarding your personal information and information about your
relationship with us.
Personal Information Bollinger Collects
Bollinger only collects personal information about you when it is necessary
to conduct the business of insurance. We limit the collection of personal
information to what we reasonably believe is needed to administer your account.
As a result, we collect personal information from the following sources:
- Personal information you share with us directly, such as the information
on your insurance application, requested policy change information or other
forms you may complete;
- Personal information you provide or which is obtained through the
process of handling a claim, including medical information, such as from an
accident or doctor report;
- Personal information about you from your transactions with us such as
the type of coverage you purchase; and
- Personal information about you from a consumer reporting agency, such as
a Motor Vehicle Report.
If you visit or use any of the Bollinger websites, we may use "cookies"
(small text files transferred from our website to your hard drive) to recognize
repeat users, track usage and facilitate your access to and use of the site.
We do not use "cookies" to gather personal information, and we do not link
"cookies" to identifiable information, they are only used to enable you to
use our websites more easily.
Personal Information Bollinger Discloses
Bollinger is permitted by law to disclose your personal information in the
situations described below without your permission.
- To a third party if the disclosure will enable that party to perform a
business, professional or insurance function for us. This includes to a
consumer reporting agency for the purpose of obtaining a credit report or a
Motor Vehicle Report in order to determine eligibility for coverage or to
process your requested transaction;
- To an insurance company in order to detect or prevent criminal activity,
fraud, or misrepresentation in connection with an insurance transaction;
- To an insurance company for the purpose of performing a function in
connection with an insurance transaction involving you;
- To insurance companies for the purpose of seeking multiple quotes for
your insurance needs; and
- To an insurance regulatory authority, law enforcement, or other
governmental authority as required by law, or in order to protect our
interests in preventing or prosecuting fraud, or if we believe that you have
conducted illegal activities.
Protected Health Information Bollinger Discloses
Bollinger is permitted by law to disclose your Protected Health Information
in the situations described below without your permission.
- To the Secretary of the Department of Health and Human Services, if
necessary, to make sure your privacy is protected;
- To a medical care institution or medical professional in order to verify
coverage, benefits, or treatment in order to process a claim;
- To perform activities or services for your group health plan or the
insurance carrier providing the group health plan but only to the extent
allowed by law;
- With Bollinger's agents or subcontractors as necessary for Bollinger to
perform services on behalf of an insurance company or group health plan but
only to the extent allowed by law and pursuant to an agreement by the agent
or subcontractor to abide by these privacy rules;
- To an insurance regulatory authority, law enforcement, or other
governmental authority as required by law, or in order to protect our
interests in preventing or prosecuting fraud, or if we believe that you have
conducted illegal activities; and
- Where required by law.
In any situation not specifically addressed in the law, Bollinger must get
your written authorization to use or disclose your Protected Health Information.
Such authorization may be revoked by you at any time, except if we have already
taken action based on your authorization.
Your Right to Access and Amend Your Information
You have the right to request access to your personal information. You
may know the source of the information and the identity of the persons to whom
we have disclosed such information within the two years prior to your request.
You may view the personal information, copy it in person or ask that a copy be
sent to you (for which we may charge a reasonable fee to cover our costs).
You have the right to request corrections, amendments or deletions to the
personal information.
To obtain access to your information: Submit your request in
writing to Privacy Officer, Bollinger, Inc., 101 JFK Parkway, Short Hills, NJ,
07078. The request should include your name, address, social security
number, telephone number and the information to which you would like access.
The request should state whether you would like access in person or a copy of
the information sent to you. Upon receipt of the request we will contact
you within 30 business days to arrange access.
To correct, amend, or delete any of the information: Submit a
request in writing to Privacy Officer, Bollinger, Inc. 101 JFK Parkway, Short
Hills, NJ 07078. The request should include your name, address, social
security number, telephone number, the specific information in dispute, and the
identity of the document or record that contains the disputed information.
Upon receipt of your request, we will contact you within thirty business days to
notify you that either we have made the correction, amendment or deletion, or we
will not do so and our reasons for such refusal, which you will have an
opportunity to challenge.
Bollinger's Security Practices
We have a strict Information Security Program in place to safeguard your
privacy. We maintain physical, electronic and procedural safeguards that
comply with federal and state regulations to protect personal information.
Some of these measures involve technology to maintain data security and restrict
access to authorized users. Some are more traditional and include training
employees about the importance of confidentiality and customer privacy.
More Information
Should you have questions regarding Bollinger, Inc.'s Privacy Policy, you can
contact us by writing to Privacy Officer, Bollinger, Inc., 101 JFK Parkway,
Short Hills, NJ, 07078; calling directly us at 973-467-0444; or email us at
PrivacyOfficer@BollingerInsurance.com.