Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing non-public personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Kelley Insurance Agency.

The GLBA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for any purpose that is not specifically authorized by law.

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect: We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us, our affiliates or others.
• Information we receive from a consumer-reporting agency.

2. Information we may disclose to third parties:

• We may disclose all of the information we collect, as described above, about our customers or former customers, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We also may disclose information about our customers or former customers as permitted by law.

3. Non-affiliated third parties to whom disclosures may be made:

• We may disclose nonpublic personal information about you, such as we have described described above, to the following types of third parties that perform marketing services on our behalf or with whom we have joint marketing agreements.
• Other insurance agencies or companies that perform services for us in connection with carrying out an insurance transaction involving you or your policy.
• Financial institutions with whom we have joint marketing agreements, such as insurance providers.
• Other types of financial institutions such as premium finance companies.
• We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.

4. Our practices regarding information confidentiality and security:

• We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and organizational safeguards to protect information about you.