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Protection of the Privacy of Personal Non-Public Information

Respecting and protecting customer privacy is vital to Constructive Insurance’s business. By explaining our Privacy Policy to you, we trust that you will better understand how we keep our customer information private and secure, while using it to better serve you. We comply with all applicable federal, state, and local laws, and we have numerous internal safeguards in place to protect your personal information. This notice explains how you can limit our disclosing of personal information about you. The provisions of this notice will apply to former customers as well as current customers, unless we state otherwise.


What does Constructive Insurance do with your personal information?
Insurance companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

•    Home address and Social Security number;
•    Detailed Information about Assets being insured; and
•    Account transactions and credit scores.


When you are no longer our customer, we may continue to share your information as described in this notice.

All insurance companies need to share customers’ personal information to run their everyday business.


In the PDF below, we list the reasons insurance companies can share their customers’ personal information, the reasons Constructive Insurance chooses to share, and whether you can limit this sharing.


To limit our sharing
Send us the MAIL-IN FORM. Please note: If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. However, you can contact us at any time to limit our sharing.

How does Constructive Insurance protect my personal information?    
Constructive Insurance considers the protection of personal information to be a foundation of customer trust and a sound business practice. We employ physical, electronic, and procedural controls, and we regularly adapt these controls to respond to changing requirements and advances in technology. Within our office, we restrict access to your information to those who require it to develop, support, offer, and deliver products and services to you.

How does Constructive Insurance collect my personal information?    
We collect your personal information, for example, when you: provide employment information or give us your asset information; provide account information or make a wire transfer; and provide your insurance information.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?    Federal law gives you the right to limit only:
1.    Sharing for affiliates’ everyday business purposes — information about your creditworthiness; 
2.    Affiliates from using your information to market to you; and 
3.    Sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?    
Your choices will apply to everyone on your account — unless you tell us otherwise.





Companies related by common ownership or control. They can be financial and nonfinancial companies.



Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates with which we may share include mortgage companies, insurance companies, and nonprofit organizations.


Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include mortgage loan originators, who may be able to help you lower your interest rate or your monthly payment, and other financial institutions.


Do Not Call Policy

This notice is the Constructive Insurance Do Not Call Policy notice under the Telephone Consumer Protection Act. We do not solicit via phone numbers listed on the state or federal Do Not Call Lists, unless the law permits. Constructive Insurance associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Constructive Insurance will be placed on the Constructive Insurance Do Not Call List and will not be called in any future campaigns, including those of Constructive Insurance affiliates. If you communicate with us by telephone, we may monitor the call.


We are providing you this notice pursuant to state law. You may be placed on our Internal Do Not Call List by following the directions in the “To limit direct marketing contact” section. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number - (702) 486-3132; email Constructive Insurance, P.O. Box 220720, Chicago, IL 60622; Phone number - (800) 495-7166.


In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, such as with your consent, with other financial institutions with which we have joint marketing agreements, or as otherwise necessary to service your accounts. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.


In accordance with California law, we will not share information we collect about you with companies outside of Constructive Insurance, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

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