Privacy Policy

Opportunity Scout Privacy Policy

Opportunity Scout values our customers’ trust and is committed to the responsible management, use, and protection of the information entrusted to us. The following privacy policy and disclosure outline what nonpublic personal information we collect, how we protect nonpublic personal information, and how we share nonpublic personal information.

I. Collection of Information
We collect nonpublic personal information about you from the following sources:

Information we receive on applications or other forms;

Information we receive from consumer reporting agencies;

Information we receive from our employees, agents, and third-party affiliates; and

Information is collected by needs analysis, telephone calls, service requests, and other correspondence.

Information we receive from physicians, which may include your medical history, current health, and treatments and medications you may be taking; and

Information we receive from your motor vehicle reports or demographic information.

Please Note: We do not share nonpublic personal health information about you for marketing purposes. That health information is used only for underwriting products you purchase, administering a claim, or other insurance functions by us or on your behalf unless you or the law authorizes distribution of greater breadth.
II. Sharing of Information

We may disclose all of the information, as described in Section I above and subject to the noted limitations, that we collect about our potential, current and former customers.

We may disclose all of the information we collect to (i) individuals, companies, or other entities that market our services; (ii) individuals, companies, or other entities that provide products and/or services to Opportunity Scout; (iii) individuals, companies or other entities that assist in the administration and servicing of your policies; or (iv) individuals, companies or other entities with whom we have joint marketing agreements.
III. Policies and Procedures to Protect Information
We restrict access to nonpublic personal information about you to those employees or service providers who need to know the information to provide products or services to you. The policies and procedures used by Opportunity Scout are designed to (i) ensure the security and confidentiality of customer information, (ii) protect against any anticipated threats and or hazards to the security and integrity of customer records and information; and (iii) protect against unauthorized access to, and use of customer records or information that could result in substantial harm or inconvenience to any customer.

In addition to the specific categories listed above, Opportunity Scout has implemented physical, electronic, and procedural safeguards to protect non-public personal information about customers. These safety mechanisms are regularly tested to assure continued efficacy. The condition and status, as well as any breaches or violations, of this Privacy Policy, are reported to the Opportunity Scout Board, through the Internal Audit Committee, on an annual basis. The goal of Opportunity Scout Privacy Policy is to protect non-public personal information about customers in a manner that enables customers to continue to receive the highest level of service while at the same time feeling confident that non-public personal information about them is treated with the care and security it deserves.

Physical Records

Physical safeguards are in place that comply with federal regulations to guard non-public personal information about you that is maintained in hard copy.

Information Systems

Electronic files operate under a “lockout” system whereby three failed attempts to log-on result in shutdown; the system will only be re-enabled after verification of the user by security personnel;

Logon identifications are issued only with specific access authorizations;

Passwords must be changed every ninety days;

Internal systems are regulated to ensure that only authorized Opportunity Scout associates can access the information contained in the system;

Website servers used to gather and transmit personal data are stored in a secure and environmentally controlled location;

The Opportunity Scout website (domain and additional content-related websites), and certain other electronic files are encrypted;

Monitoring systems and procedures are in place to provide warnings of possible attacks or intrusions into information systems; and

Systems are equipped with response mechanisms that take appropriate action when unauthorized access to protected information is suspected or detected.

Employees

Control procedures are in place together with the segregation of duties for employees with access to, or responsibility for, non-public personal information;

Employees receive training, as part of the orientation process, with respect to Opportunity Scout Privacy Policy and the issuance of the privacy notice; and

Employees are required to execute an acknowledgment form following a review of Opportunity Scout Privacy Policy.

Agents

Individuals, companies, and other entities that access products and services from Opportunity Scout must agree to safeguard nonpublic personal information about customers pursuant to Opportunity Scout Privacy Policy.

Third-Party Service Providers

Third-party service providers must agree to safeguard nonpublic personal information about customers pursuant to Opportunity Scout Privacy Policy.

In addition to the specific categories listed above, Opportunity Scout has implemented physical, electronic, and procedural safeguards to protect non-public personal information about customers. These safety mechanisms are regularly tested to assure continued efficacy. The condition and status, as well as any breaches or violations, of this Privacy Policy, are reported to the Opportunity Scout Board, through the Internal Audit Committee, on an annual basis. The goal of Opportunity Scout Privacy Policy is to protect non-public personal information about customers in a manner that enables customers to continue to receive the highest level of service while at the same time feeling confident that non-public personal information about them is treated with the care and security it deserves.

Opportunity Scout Privacy Policy

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