Insurance Service Inc.
Hortica Insurance and Employee Benefits
(as of June 1, 2001)
of this Notice
V of the Gramm-Leach-Bliley Act (GLB) and the laws of several States
generally prohibit us from sharing nonpublic personal information
about you with a third party unless we provide you with this notice
of our privacy policies and practices, such as the type of information
that we collect about you and the categories of persons or entities
to whom that information may be disclosed. In compliance with the
GLBA and the laws of the States, we are providing you with this document,
which notifies you of the privacy policies and practices of Florists'
Insurance Service Inc., (D/B/A Hortica Insurance & Employee Benefits)
and its affiliates Florists' Insurance Service Inc. of Indiana, Florists'
Insurance Service Inc. of Massachusetts, Florists' Insurance Service
Agency Inc. of Ohio, and Florists' Insurance Service Inc. of Texas.
Privacy Policies and Practices
Information we collect:
Categories of Information Collected and Sources From Which We Collect
collect nonpublic personal information about you from the following
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.
Information we receive from medical records or medical professionals.
Notice, no additional information will be collected about you.
Persons From Whom Information is Collected
may collect nonpublic personal information from individuals other
than those proposed for coverage.
Information From Credit Reports or Investigative Consumer Reports
you authorize us to do so, we may obtain information about you
from credit reports or other investigative consumer reports prepared
by third parties at our request. If you authorize us to request
such information and we do request such information, you should
be aware that:
You have the right to request to be interviewed in connection
with the preparation of such a report.
Upon request, you are entitled to receive a copy of the report.
The information obtained from the report prepared by the third
party may be retained by the third party and disclosed to other
Information we may disclose to third parties
may disclose the following information to companies that perform
marketing services on our behalf or to other financial institutions
with which we have joint marketing agreements:
we receive from you on applications or other forms, such as your
name, address, value of inventory (for crop insurance only).
Notification that certain disclosures require your authorization:
personal information about you and we may disclose that information
to certain nonaffiliated third parties. We are permitted by law to
disclose your personal information in the circumstances described
in paragraph 2 without your permission. FOR ALL OTHER DISCLOSURES,
WE ARE REQUIRED TO OBTAIN YOUR AUTHORIZATION. The disclosures that
first require your authorization are described in more detail on a
separate authorization form that we will provide to you.
Affiliates with whom we share certain information protected by the
Fair Credit Reporting Act, unless you tell us not to:
Information we can share with our affiliates, unless you tell us
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 its employment, credit
or other relationship with you, such as your employment history.
Our affiliated companies who may receive this information are insurance
companies (Florists' Mutual Insurance Company and Florists' Insurance
How to tell us not to share this information with our affiliated
you prefer that we not share this information with our affiliated
companies, you may direct us not to share this information by checking
the appropriate box on the attached form and returning it to us.
Your right to access and amend your personal information
have the right to request access to the personal information that
we record about you. Your right includes the right to know the source
of the information and the identity of the persons, institutions
or types of institutions to whom we have disclosed such information
within 2 years prior to your request. Your right includes the right
to view such information and copy it in person, or request that
a copy of it be sent to you by mail (for which we may charge you
a reasonable fee to cover our costs). Your right also includes the
right to request corrections, amendments or deletions of any information
in our possession. The procedures that you must follow to request
access to or an amendment of your information are as follows:
obtain access to your information. You should submit a request
in writing to the Compliance Department, Hortica Insurance &
Employee Benefits, #1 Horticultural Lane, Edwardsville, Illinois
62025. The request should include your name, address, social security
number, telephone number and the recorded information to which you
would like access. The request should state whether you would like
access in person or a copy of the information sent to you by mail.
Upon receipt of your request, we will contact you within 30 business
days to arrange providing you with access in person or the copies
that you have requested.
correct, amend, or delete any of your information. You should
submit a request in writing to the Compliance Department, Hortica
Insurance & Employee Benefits, #1 Horticultural Lane, Edwardsville,
Illinois 62025. The request should include your name, address, social
security number, telephone number, the specific information in dispute
and the identity of document or record that contains the disputed
information. Upon receipt of your request, we will contact you within
30 business days to notify you either that we have made the correction,
amendment or deletion, or that we refuse to do so and the reasons
for the refusal, which you will have an opportunity to challenge.
Our practices regarding information confidentiality and security
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 procedural
safeguards that comply with federal regulations to guard your nonpublic
Our policy regarding dispute resolution
or the breach thereof, shall be settled by arbitration in accordance
with the rules of the American Arbitration Association and judgment
upon the award rendered by the arbitrator(s) may be entered in any
court having jurisdiction thereof.
Reservation of the right to disclose information in unforeseen circumstances
connection with the potential sale or transfer of its interests Hortica
Insurance & Employee Benefits and its affiliates reserve the right
to sell or transfer your information (including but not limited to
your address, name, age, sex, zip code, state and country of residency
and other information that you provide through other communications)
to a third party entity that (1) concentrates its business in a similar
practice or service; (2) agrees to be Hortica Insurance & Employee
Benefits' successor in interest with regard to the maintenance and
protection of the information collected; and (3) agrees to the obligations
of this privacy statement.
read the text below and decide whether you wish to exercise your right
to opt-out of the information sharing described. If you choose to
exercise your right to opt-out, you must mail this form back to us
at Hortica Insurance & Employee Benefits, #1 Horticultural Lane,
Edwardsville, Illinois 62025. 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 exercised
your opt-out right and we can share the information described.
I wish to exercise my right under the Gramm-Leach-Bliley Act to opt-out
of Hortica Insurance & Employee Benefits' sharing nonpublic personal
information about me to nonaffiliated third parties for purposes other
than those that are permitted by law.
I wish to exercise my right under the Fair Credit Reporting Act to
opt-out of Hortica Insurance & Employee Benefits' sharing nontransactional
information about me to affiliates.
Customer Signature Date