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Privacy Policy

Introduction

As a current customer of Exchange Underwriters, Inc., we would like to take this opportunity to both thank you for your business and to share with you the importance our agency places upon protecting the privacy of information we gather from you in accordance with applicable state and federal laws.


Exchange Underwriters, Inc. is a member of the financial services industry and, as such, our agency has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your information. The following is Exchange Underwriters, Inc.'s privacy policy regarding the customer information we collect. Contained in this privacy policy you will find (1) an explanation of the types of information Exchange Underwriters, Inc. collects from our clients and the means used to collect such information, (2) an explanation of how Exchange Underwriters, Inc. shares the information collected from our clients, (3) an explanation of how Exchange Underwriters, Inc. protects client information, and (4) an opportunity for you to opt-out of certain types of information sharing in which Exchange Underwriters, Inc. engages.



Information we collect and the means used to collect it

Exchange Underwriters, Inc. collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. Exchange Underwriters, Inc. collects this necessary information from the following sources:

To collect customer information from the above-stated sources, Exchange Underwriters, Inc. may use the following means of communication to gather information: written, in-person, by telephone, by facsimile, electronically, and online.



How we share client information with non-affiliated third parties

We don't share information about our customers of former customers with non-affiliated third parties other than as permitted or required by law. For example, Exchange Underwriters, Inc. may share client information with non-affiliated third parties without your permission for the following reasons:



Information sharing of which you may opt-out

Affiliate sharing of which you may opt-out: Unless you opt-out, we may share with our affiliated companies information about you, including, but not limited to: information we obtain from your insurance application, such as your income or your marital status; information we obtain from a consumer report, such as your credit score or credit history; information we obtain to verify representations made by you, such as your open lines of credit; and, information we obtain from a person regarding his or her employment, credit, or other relationship with you, such as your employment history.


Our affiliated companies that may receive this information are: First Federal Savings Bank and affiliates


Under no circumstances will we disclose any medical information other than as required or permitted by law.



How to exercise your right to opt-out of certain information sharing:

To exercise your right to opt-out of certain information sharing, you must complete the Opt-Out Form, and send the completed form to Exchange Underwriters, Inc., Attn.: Privacy Department, 121 west Pike Street, Canonsburg PA 15317. Your response must be postmarked no later than 30 days from the date you received this notice from us in person in order for it to be valid. If you do not mail this form back or do not mail it back within 30 days, you have not exercise your opt-out right, and we can share the information described.



Our practices regarding information confidentiality and security

We maintain physical, electronic, and procedural safeguards to guard your information. These safeguards include but are not limited to the following:


Exchange Underwriters, Inc. appreciates your business and in order to continue building upon that relationship we believe it is necessary, not only from a legal standpoint, but also as a sound business practice that our customers understand the care our agency uses in handling your information. Exchange Underwriters, Inc. will continue to monitor the effectiveness of this privacy policy.



Exchange Underwriters, Inc - Opt Out Form

Please read the text in our privacy policy and decide whether you wish to exercise your right to opt out of the information sharing described. Additional details are on the form.