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Federal and State privacy laws.
THIS NOTICE APPLIES TO ALL INFORMATION COLLECTED BY RENSHAW INSURANCE and BONDING
IN ANY MANNER.
Your Privacy
Your privacy is important to us. Therefore, we provide this notice explaining our information privacy practices and the choices you have about the way your information is collected and used. This notice is available on every page on our website.
What Information We Collect
The types of personal information we collect include: Names, Addresses, Dates of Birth, Social Security Numbers,
E-mail addresses, Phone numbers, Underwriting Information and other related information.
How We Use The Information
We use the information you provide to us about yourself to underwrite the insurance policies you are interested in. If you become a customer, we may use this information to market your policies to other carriers from time to time. We share the information you provide with insurance companies and with credit bureaus as described below. We will never use or share the personally identifiable information in ways unrelated to the ones so described.
We are committed To Information Security
To prevent unauthorized access, maintain information accuracy, and ensure the correct use of information, we have put in place appropriate procedures to safeguard and secure the personal information we collect.
How You Can Access Or Correct Your Information
You can access all your personally identifiable information, maintained by us, by contacting us at
(901) 813-8106.
You will be required to provide adequate identification to better safeguard your information. You can correct factual errors in your personally identifiable information by sending a request that shows proof of error to us at
Renshaw Insurance and Bonding
7495 Highway 64, Oakland, TN 38060.
attn: Privacy Officer
To protect the privacy and security of your information, we will also take reasonable steps to verify your identity before granting access or making corrections.
Consumer Reports
Most insurance companies utilize consumer reports in the underwriting and pricing of their products.
The use of motor vehicle driving records (MVR's) is common for both personal and business automobile insurance underwriting. Insurance companies also share information with each other about claims and we may obtain your prior claim history for the type of insurance you apply for. They also use business and consumer credit information because insurance companies have found that clients with good credit ratings are better risks. The use of driving records and consumer credit reports is governed by the Fair Credit Reporting Act.
You Authorize Us
By making applications for insurance to us, you authorize us to obtain consumer reports, including driving records, prior claim history, and credit reports, for the purposes of underwriting and pricing the insurance products you apply for. If a policy is issued to you through us, then you also authorize us to obtain similar reports at the time your policy renews in order to keep your underwriting and pricing current.
Insurance Score
If your credit history is used to underwrite or price a policy offered by our agency, then we will receive a summary of your consumer report, commonly called an "insurance score." The insurance score is a compilation of different types of information including your credit history. This insurance score is only a summary. We do not see your actual credit report.
Your Rights Under the Fair Credit Reporting Act
See a summary of the Fair Credit Reporting Act.
You have certain rights under the FCRA including the right to disclosure in the event that information contained in your report negatively effects you. If we receive an insurance score that qualifies you for anything less than the best rate available from that insurance company, we will notify you in writing including the name and address of the consumer reporting agency that provided the insurance score. You then have a right to dispute negative information and the reporting agency is required to delete inaccurate information.
Your Agreement to This Policy
By using this site, you signify your agreement to our privacy policy. If you do not agree to this policy,
please do not use this site.
We reserve the right, at our discretion, to update, modify, or remove portions of this policy from time to time. Any changes to this privacy policy will be promptly disclosed here.