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Privacy Policy

This notice is provided by Financial Arts, Inc., pursuant to the requirements of federal privacy laws applicable to Health Insurance Portability and Accountability Act (HIPAA).

At Financial Arts, Inc., protecting your privacy is very important to us. We value your trust and we want you to know what information we collect, how we use this information, and how we protect it. We treat personal information – non-public information that identifies you – with respect and in accordance with this Privacy Policy and with all applicable laws and regulations. Our employees and agents are trained to respect the importance of maintaining the confidentiality of customer information. We use appropriate security procedures designed to help prevent unauthorized access to customer information. We hope that this Privacy Policy will maintain your trust in us and demonstrate our long-standing commitment to protect your personal information.

Our Information Practices

This Privacy Policy applies to current and former customers of Financial Arts, Inc. The following policies and procedures protect the privacy of your information, whether you are a current or former customer:

Categories of Information We May Collect

In the normal course of business, we collect information necessary to offer quality products and services. For instance, we may obtain information such as your name, address, Social Security number, creditworthiness or credit history. Depending upon the products and services you purchase, we may also require information on your driving records and health status. We obtain this information from your applications and supporting forms, your transactions with us, our affiliated companies or non-affiliated third parties, from consumer reporting agencies, and from your medical provider, health reports and third parties such as the Medical Information Bureau.

The collection of this information, often necessary to properly evaluate, maintain, and service your account, may occur at various times while you have an account relationship with us. We make every effort to maintain accurate and complete customer information.

How We Use Your Information

Sharing Information Outside of Financial Arts, Inc.

We may share all of the information we collect about you, as described above, with companies outside of Financial Arts, Inc. who perform marketing and underwriting services on our behalf or with other financial institutions and insurance companies with which we have joint marketing agreements. We may also share information with companies and insurance companies outside of Financial Arts, Inc. as permitted by law, such as to respond to a subpoena or court order, to prevent fraud or to comply with an inquiry of by a government agency.

We will not sell your personal information and we will not permit third parties, with whom we legally share your personal information, to sell, market, or resell your personal information.

Safeguarding Your Information

Access to customer information is limited to personnel who need the information to perform their job responsibilities. We maintain physical, electronic, and procedural safeguards that meet or exceed applicable regulations. We periodically review our security standards, procedures and technology to protect against unauthorized access to your confidential information.

Computer Tracking and Cookies

Our website is not set up to track, collect or distribute personal information not entered by its visitors. Our site logs do generate certain kinds of non-identifying site usage date, such as the number of hits and visits to our site. This information is used for internal purposes by technical support staff to provide better services to the public and may also be provided to others, but again, the statistics contain no personal information and cannot be used to gather such information.

A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive. Financial Arts, Inc. uses non-identifying cookies to provide easier site navigation and access to forms. You can still use Financial Arts, Inc. site if your browser is set to reject cookies. Our cookies do not generate personal data, do not read personal data from your machine and are never tied to anything that could be used to identify you.