Notice of Privacy Policy and Insurance Information Practices

	Information Only-No Action Required

 

         

 

Customer Information

 

The First Financial Group affiliates have a long and distinguished history in the insurance and financial services industry.  We understand the importance of protecting your privacy.  In this notice, all references to “we” are meant to include all affiliate companies in the First Financial Group.  Since we are insurance and financial services agencies, we may collect and receive certain nonpublic personal financial and medical information from customers and other entities on a daily basis.  Our handling and protection of nonpublic personal financial and medical information is governed by a wide range of state and federal laws and regulations.

 

Information you provide to us is afforded the same protection whether we receive it from you in writing, by telephone, in conversation with one of our representatives, or via the Internet.

 

As a matter of policy, we will only disclose your nonpublic personal financial or medical information to other entities as permitted or required by law.

 

Confidentiality and Security

 

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

 

 

 

Physical and electronic files are kept in secure areas.  We educate our employees about the importance of confidentiality and customer privacy.  We also enforce employee privacy responsibilities.

 

Information Collected

 

The information we collect varies depending on the types of products or services you request and may include:

·         Information you provide to us in the application process, including such things as your name, address, age, marital status, Social Security Number, annual income, and other financial information.

·         Information about your transactions with our affiliates, others or us such as other products or services purchased, etc.

·         Information provided by your employer, group plan sponsor, or association for any group product you may have.

·         Information from consumer reporting agencies, such as credit relationships and history.

·         Information from other sources outside the First Financial Group, such as medical information, motor vehicle reports, etc.

·         Information from visitors to First Financial   Web Site.

 

Categories of Parties to Whom we May Disclose Information

 

As a corporate policy, we do not share your nonpublic personal financial or health information with any nonaffiliated third parties, or among our affiliated First Financial Group companies for marketing purposes.  We will not share account numbers or policy numbers with nonaffiliated third parties for use in telemarketing, direct mail, or e-mail marketing.  We will only disclose nonpublic personal information about you to certain nonaffiliated third parties, which perform necessary services connected with the administration of our business, or as otherwise permitted or required by law.

 

These nonaffiliated third parties will not receive access to your information without first agreeing in writing to maintain its confidentiality.  Additionally, these entities will

 

 

 

 

not be authorized to use your information for any purpose other than that authorized by us and allowed by law.

 

These nonaffiliated third parties may include other financial institutions, including insurance companies and other service-related entities contractually engaged by any of our affiliated companies to provide administrative, operational, marketing, underwriting or other business-related services for us, regarding our products and services, only.

 

In addition, we will not share medical information or motor vehicle reports for marketing purposes.

 

Many employers or other plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services, such as qualified Section 125, Section 401(k), Section 403(b) or Section 457 plans.  In our business dealings with associations, we always honor these restrictions.  If you have a relationship with us as a result of products or services provided through an employer or other plan sponsor, we will abide by the specific privacy rules imposed by that organization.

 

None of our affiliates share consumer report-type information protected by the Fair Credit Reporting Act (i.e., information you provide to the affiliate or that such affiliate receives from consumer reporting agencies which is used to determine your eligibility for that affiliate’s financial and insurance products) with our other affiliates, or any nonaffiliated third parties, except as permitted or required by law.

 

If we receive any nonpublic personal financial information about you from any affiliated or nonaffiliated financial institutions, including other insurance companies, we will protect that information utilizing the same principles as outlined in this Privacy Notice, or as otherwise provided by state and federal privacy laws.

 

Should any of your products with us terminate, and/or should you become a former customer, we will not disclose any nonpublic personal financial or medical information about you to any nonaffiliated third parties or affiliated First Financial Group companies.

 

 

 

 

Account Information

 

We will continue to provide you with important information about your existing accounts, including notices regarding products purchased from the First Financial Group.  You may also receive communications from your account representative, agent or broker.

 

We are mailing this privacy policy to the address to which we send your product or account information.  Please notify us promptly if you have a change of address so that we can update our records and continue to provide you with the outstanding service you deserve.

 

Accuracy of Your 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 or delete the information that you believe to be erroneous.  If we concur with your conclusion we will amend or delete the information in question. 

 

Our Commitment to You

 

Each year we will send you a copy of our current  Notice of Privacy Policy and Insurance Information Practices. We reserve the right to change our Privacy Policy and Insurance Information Practices.  If we make any material changes to our policies or practices we will provide you with a copy of a revised notice.

 

Affiliated First Financial Group Companies

 

This notice is being provided on behalf of the following First Financial Group affiliates:

 

American Financial Capital Corporation of New

            Mexico

First Financial Benefits, Inc.

First Financial Administrators, Inc.

First Financial Capital Corporation, Inc.

First Financial Capital - LA

First Financial Securities of America, Inc.

North American Insurance Agency, Inc.