Privacy

HOWITT BENEFIT SERVICES' (HBS) PRIVACY POLICY AND INSURANCE INFORMATION PRACTICES

Howitt Benefit Services, Inc. values you as a customer and is committed to treating your personal information responsibly. Our owners and employees consider your personal information (including address, phone number, health and financial information) private, to be disclosed only to those parties that facilitate the issuance of an insurance policy that you have requested. No other sharing of information is authorized by Howitt Benefit Services (HBS). We make your privacy a priority.

The following notice describes our policies and practices with regard to collecting and disclosing nonpublic, personal information about our customers and former customers.

Confidentiality and Security of Your Nonpublic Personal Information

We maintain appropriate physical, electronic, and procedural safeguards to maintain the confidentiality and security of your nonpublic, personal information contained in our records. We restrict access to nonpublic, personal information about you contained in our records to our employees who need to know that information to provide products or services to you.

Categories of Information that We Collect

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

  1. Information that we receive from you on applications and other forms;
  2. Information about your transactions with our affiliates, others or us
  3. Information that we receive when you visit us through the Internet or via email.

Categories of Parties to Whom We May Disclose Information

We may disclose nonpublic, personal financial information about you to our affiliate insurance companies. We may also disclose nonpublic, personal information about you to nonaffiliated third parties, as permitted or required by law. Generally, this includes disclosures to third parties that are necessary to effect, administer, or enforce your transaction, or in connection with servicing your policy. We will not disclose nonpublic personal health information about you except: a) to process your transaction with us and your insurance carrier, (b) to process claims or prevent fraud; (c) with your written authorization or (d) as permitted by law.

Accuracy of our Nonpublic Personal Information that We Possess

We strive to maintain the accuracy of your information. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any of your information in our possession is inaccurate, you may request that we amend, correct, or delete the information that you believe to be erroneous. If we concur with your conclusion, we will amend, correct, or delete the information in question. You may write the agency at the address below to access or amend your nonpublic, personal information contained in our records.

Changes to our Privacy Policy and Insurance Information Practices

We reserve the right to change our Privacy Policies and Insurance Information Practices. If we make any changes to our policies or practices, we will provide you with a copy of a revised notice as required by applicable law.

Howitt Benefit Services
PO Box 20400
San Jose, CA 95160-0400

Thank you for taking the time to review this notice. We are very concerned about the erosion of all of our personal privacies and hope to do all that is within our power to protect your privacy, while still being able to insure your health and future. If you have any questions about our privacy policy, please feel free to contact HBS at 1-866-445-1550.