Frank W. Molinaro
Insurance Agency

  57 North St - Suite 119 - Danbury , CT 06810

(203) 748-3563  -  (203) 792-3055  -  (203) 790-5459 FAX

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The expectations of our customers that we hold their privacy and security in the highest regard is a matter of great importance to us.  We are concerned about and respect the privacy of our customers’ personal financial information.  Our clients furnish sensitive information to The Frank W. Molinaro Agency, Inc. in the ordinary course of doing business with us.  We recognize the importance of protecting the privacy of personally identifiable information and we are committed to treating such information responsibly. 

The following privacy policy and disclosures outline the Molinaro Agency’s practices regarding personally identifiable financial information for it’s clients. 

Confidentiality and Security

Protecting client information is a significant responsibility for our Agency.  Access to

client information is limited to those persons who need to know that information.  As an example, we permit employees access to information to underwrite or administer your policy, claim or account to enable us to advise you about products and coverage's and to protect and enforce our rights as professional insurance agents. 

We maintain physical, electronic and procedural safeguards that enable us to comply with federal and state regulatory standards relative to safeguarding client information. 

All employees have a copy of this policy and are continually trained regarding the safeguarding of client information.  The Agency principals will take disciplinary action against any employee who violates our privacy policy and procedures. 

Client Information We Collect 

We collect nonpublic, personal information about you from several sources, including the following:

 * Information we receive from you on applications, forms or other means such as your

name, address, telephone number, assets and income or other information.  

* Information about your transactions with our affiliates, others, or us such as our  premium payment and claims history. 

* Information we receive from third parties, i.e. motor vehicle reports, claims reports,  credit reports, property inspection reports and medical reports. 

Our Policy about Disclosing Client Information 

Molinaro Insurance does not now, nor does it intend in the future to disclose any personal information to any nonaffiliated third party, except as permitted by law. 

In order to improve service to our clients, we may share information with our underwriters.  The types of information that we may share include the following: 

*  Identification information such as name, address and phone number.

*  Information we receive from you on applications and other forms.

*  Information we receive from third parties.

*  Transactional information. 

Exception for Joint Marketing and Service Providers 

In the normal course of business, we may disclose all of the client information that we collect and previously described, on clients and former clients, to companies that perform marketing services for us or to other insurance companies with whom we have joint marketing arrangements.  In these cases we will enter into an agreement with the third party to maintain confidentiality of the information in the same manner that we would and to restrict its use.  We will not provide your personal information to non-insurance companies for the purpose of their independent telemarketing or direct mail marketing of any non-insurance products or services.  We may provide information to companies that perform services for us in connection with your accounts such as data processing and software companies and collection agencies. 

Other Exceptions 

Other examples of when we might disclose client information outside of our normal business operation:

*  For fraud, security or risk control.

*  To help complete a transaction that you initiate, including information requested to verify the existence or condition of a policy.

*  To resolve disputes or inquiries you may have about your policies.

*  When you consent or direct us to provide information about your policies.  This may be oral, in writing, by telephone, electronic or other means we recognize.

*  When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation or to protect or enforce our rights.

*  As otherwise necessary to service your policies or as permitted or required by law. 

Policy and Practice Changes 

If we change our policy or practice by, for example, adding a category of information that we will disclose to a third party, we will notify existing clients and give them an appropriate time period to opt out of the disclosure.

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