Econ-O-Check Corporation
Privacy Statement

At Econ-O-Check Corporation, we recognize and respect the privacy and security expectations of our customers.  As our customer, you have entrusted us to protect your privacy and to safeguard your personal financial information. We take this responsibility seriously and have taken steps to ensure your continued confidence in our organization.

This Privacy Statement describes how we collect and use your personal information and how we maintain the confidentiality and accuracy of such information.  This disclosure also explains how you can verify the accuracy of information regarding your relationship with us.  In this Privacy Statement, the terms "we," "us" and "our" refer to Econ-O-Check Corporation; the terms "you" and "your" refer to each person who is a policyholder of an insurance product obtained through us.  This disclosure applies to our former customers as well as to our existing customers.

Nonpublic Personal Information.  This Privacy Statement relates primarily to our use of nonpublic personal information.  Nonpublic personal information means financial information that relates specifically to you and that is not available from a public source (such as government records, phone books, or widely distributed media).  For example, the fact that you are a holder of a policy of insurance obtained through us is nonpublic personal information.  Nonpublic personal information also includes any list, description, or other grouping of customers that is created using nonpublic information.

How We Obtain Personal Customer Information and What We Collect. We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms, such as your name, address, bank account number, and age.
  • Information about your transactions with us or others, such as your name, address, telephone number, insurance coverage, transaction history, and insurance premiums.

How We Use Your Personal Information. We disclose your personal information only for our legitimate business purposes and in compliance with all applicable laws and regulations.  The following summarizes the principal ways in which we disclose your personal information: 

  • Disclosure to Nonaffiliated Third Parties.   We may disclose information about you, including nonpublic personal information, to nonaffiliated third parties as described below.  ("Nonaffiliated third parties" are companies that do not control Econ-O-Check and that are not controlled by or under common control with us.)  We are permitted by law to disclose this information:   

        Disclosure to Service Providers.   We may disclose all of the information we collect, as described above, to companies that provide services for us, such as printing companies.  We require that these service providers maintain the confidentiality of your information and that they use the information only for the purposes for which we have provided it.  

        Disclosure for Marketing Purposes.  We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf.  We also may disclose all of the information relating to our transactions and experiences with you to financial institutions with whom we have joint marketing agreements.  "Financial institutions" include banks, savings associations, other lenders, insurance companies, securities broker-dealers, and other companies providing financial products or services.  Whenever we disclose your information to another company, whether for marketing on our behalf or under joint marketing arrangements with other financial institutions, we require that these companies and financial institutions maintain the confidentiality of your information and that they use the information only for the purposes for which we have provided it.   

  • Disclosure for Legal Requirements.   We may use all of the information we collect, as described above, to satisfy legal requirements.  We also will share your nonpublic personal information with government agencies and legitimate investigators as required or allowed by law, including in order to comply with applicable government reporting or legal process (such as court orders, subpoenas, or government requests) which we reasonably believe to be valid or required.
  • Disclosure With Your Consent.   We may disclose the information that we collect, as described above, with any person when you have provided your written consent for us to do so, including when you give someone a power of attorney or other authorization to act on your behalf. 
  • Disclosure to Joint Policyholders.   We may disclose information about your insurance policy obtained through us, and your transactions or payments with respect to such policies, to persons who jointly hold such policies with you. 

Your Request for Information in Connection with Recorded Personal Information.   If you wish to receive this personal information, you will need to make a written request to us.  We will provide you a copy or access to any personal information we have on file and any records we may have indicating the parties to whom we have disclosed such information in the past two years.    

You may also make a request to amend, correct or delete the personal information we have in your file.  If we disagree with your request to amend, correct or delete your personal information in our files we will inform you of our decision and we shall file your statement of disputed personal information in our files where it will be viewed by those who review your file in the future or those to whom we disclose your personal information in the future.  If we make the requested amendments, corrections or deletions, we will, at your request, inform any person who may have received the personal information in the last two years of the amendments, corrections or deletions.    

Protecting the Security of Your Information.  Your privacy is considered in all aspects of our business.  We have established policies and guidelines to ensure that the highest level of protection is maintained.  We constantly update these policies to meet changing federal regulations and the latest in Internet security standards, and we update and test our computers, hardware, software and other technology to assure the integrity and security of our systems.  We also limit access of our employees to personally identifiable information about you to those employees who have a specific business reason to know such information.    

Accuracy of Customer Information.   We believe that it is important to maintain the accuracy of all of your information with us.  We have systems designed to ensure this accuracy and to correct any information that we learn to be inaccurate.  If you believe that we have any inaccurate information concerning you, please contact us at (800) 832-6858 and we will take appropriate action to verify the information and to correct it as appropriate.