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QUALITAS INSURANCE COMPANY, A CALIFORNIA CORPORATION

PRIVACY POLICY NOTICE

YOUR PRIVACY IS OUR CONCERN

We value you as a customer and we know how much privacy means to you. You will have the opportunity to review our policies for collecting, using, securing, and sharing information the first time we do business with you and every year you are a Qualitas customer.

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Financial Modernization Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated 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 to you this Privacy Policy Notice, which notifies you of the privacy policies and practices of Qualitas Insurance Company.

OUR PRIVACY PRINCIPLES

  • We do not sell customer information
  • We do not disclose customer information except as necessary or appropriate to provide insurance products and services, and as otherwise required by law.
  • We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.
  • We afford our prospective and former customers the same protections as existing customers with respect to the use of personal information.
  • We maintain procedural, technical and physical safeguards to protect policyholder information.

INFORMATION WE MAY COLLECT

We may collect, use, and share information we need to conduct our business, to advise you of our products and services, and to provide you with customer service. We may collect and maintain several types of customer information needed for these purposes, including but not limited to those listed below.

Types of Information we may collect and from what sources:

  • From you; on applications for our insurance and investment products; from other policies or products you have with us; or on other forms, through telephone or in-person interviews, your Qualitas Agent, and our contact centers.
  • From your transactions or experiences with us; such as your payment history and underwriting and claim records.
  • From an Internet Website that we maintain; such as information about you that will enable us to identify you as a user, including your name, a user name, a password, and password reminders.

HOW WE USE INFORMATION ABOUT YOU

We use customer information, including customer report information, to underwrite and/or rate your policies and products, process your claims, ensure proper billing, service your accounts, enhance your customer experience, and offer you other insurance and financial services products that may suit your needs.

INFORMATION DISCLOSURE

We share information about our transactions (such as the payment of a premium) and experiences (such an auto accident) with you within members of our corporate group (i.e. affiliates) and with Qualitas Agents to better serve you and to help meet your current product and service needs. We may share information about you with persons or organizations inside or outside our family of companies for our everyday business purposes (provided the person being disclosed information is performing a business, profession or insurance function for Qualitas and such person agrees not to disclose such information further without the insured's written authorization) and as permitted or required by law (i.e. to an insurance regulatory authority, to a law enforcement or governmental authority pursuant to law or in response to a facially valid administrative or judicial order, including a search warrant or subpoena).

When information is disclosed to third parties as described above, we require recipients to adhere to appropriate confidentiality procedures and practices to protect your privacy.

CONFIDENTIALITY AND SECURITY OF YOUR INFORMATION

We educate our employees about the terms of this Notice and the importance of customer privacy. We restrict access to non-public personal information about you to those employees and others who need to know that information to provide products or services to you, to maintain your accounts, or conduct our business.

RESPONSE TO REQUEST FOR ACCESS

You have the right to access certain types of information we keep in our files about you and to receive a copy of such information. Within thirty (30) days of receipt of your request, we will inform you in writing of the nature and substance of locatable, retrievable, and available recorded personal information about you in our files. We will also identify any persons or organizations to which we have disclosed or normally would disclose this information within the past two (2) years.

You may review the identified information contained in our files in person or receive a copy of such information by mail at a reasonable charge.

WRITTEN REQUEST TO AMEND. CORRECT OR DELETE DISPUTED INFORMATION

Keeping your information accurate and up to date is very important to us. You have the right to write to us in order to request that you have reasonable access to your non-public personal information. If you believe the information we collected is inaccurate you may request that we amend, correct or delete it. Within thirty (30) days of receipt of a written request, Qualitas or an agent so receiving such request must correct, amend or delete the disputed information, or notify you of our refusal to do so, our reasons, and your right to file a statement of dispute if you do not agree with such refusal.

REPORT FROM INSURANCE SUPPORT ORGANIZATIONS

Information obtained from a report by an insurance-support organization may be retained by the insurance­ support organization and disclosed to other persons.

QUESTIONS

Because Qualitas does not share information outside permitted exceptions, there is no need to take any action under this Notice. In the event you have questions about this Privacy Policy Notice, please feel free to contact us at 1-(619) 876-4355, or write to us at 101West Broadway Ste 1270, San Diego, CA 92101.

THANK YOU

On behalf of Qualitas, we thank you for your business and look forward to serving you in the future.

Copyright 2018. All Rights Reserved by Qualitas Insurance Company.