Privacy Policy

MID-CONTINENT GROUP PRIVACY NOTICE AND NOTICE OF INFORMATION PRACTICES

Your right to privacy is very important to the members of Mid-Continent Group.

We want you to understand how we gather information about you, how we protect it, and how you can help ensure its accuracy. Although we may provide this Notice as information to additional persons, the terms of this Notice apply to those individuals who inquire about or obtain insurance from Mid-Continent primarily for personal, family or household purposes, and certain group insurance plans. We will provide our customers with a copy of the most recent notice of our privacy policy at least annually and more often if we make any changes affecting their rights under our privacy policy. This Notice applies to current and former customers of Mid-Continent, but does not in any way imply or affect insurance coverage.

Because Mid-Continent does not share your information outside of permitted exceptions, there is no need for you to take any action under this Notice. Should our practices change, we will advise you and, if applicable, enable you to “opt-out” of certain sharing.

What kind of information is collected about you?
What do we do with information about you?
Who has access to your information?
How can you review recorded information about you?
How can you contact us?

What kind of information is collected about you?

Most of our information is derived from insurance applications and various other forms you submit. In some instances, additional information may be needed to evaluate you or your property for insurance or to verify information you have provided. In those cases, we may obtain information from outside sources at our own expense.

It is common for an insurance company to ask an independent source, such as a consumer reporting agency, to verify and supplement information given on an insurance application. We will treat the information we receive about you from an independent reporting agency in accordance with the terms of this Notice. Upon our receipt of your written request sent to the address below, we will inform you of the name and address of any agency we have used to prepare a report on you so that you can contact the agency.

Once you have been an insured customer of ours for a period of time, your record may contain information related to our experiences and transactions with you, such as insurance policy coverage, premiums and payment history, and any claims you make under your insurance policy. For example, information collected by a claims representative and any policy or fire report will be retained by us. Any information that we collect in connection with an insurance claim will be kept in accordance with this Notice.

Each company within Mid-Continent Group may disclose information about you to an affiliate regarding its transactions and experiences with you (such as your payment or claims history). We do not currently share other credit-related information, except as permitted or required by law.

Finally, we do use "cookies" when you interact with our web sites to assist in making the process as easy and secure as possible. Cookies are used to collect and store only the following information: the visitor's domain name, the Internet address of the web site from which the visitor linked directly to our web site, the pages of our site that the visitor views and the length of time spent on each page, browser and operating system platform type, and the date and time the visitor accessed our site.

Cookies, as well as data taken from them, do not identify you personally. They merely recognize your browser. Unless you choose to identify yourself to us, either by responding to a promotional offer, buying a policy, or registering for an online service, you remain anonymous.

Session cookies exist only during an online session with Mid-Continent. Session cookies allow you to conduct transactions or requests on our web site. Without the session cookie information, we would not be able to complete your web transactions securely. Session cookies help us make sure you are who you say you are after you have logged in. We do not sell this or any other information about you to other web sites, merchants or financial institutions.

What do we do with information about you?

Information about you will be kept in our insurance policy records. We will refer to and use that information for purposes related to issuing and servicing insurance policies and settling claims. Generally, personal information about you in our records will not be disclosed by us to any external organization without your prior authorization. However, we may, as permitted by law, share information about you contained in our files with certain persons or organizations such as:

• your insurance representative,

• persons who represent you in a fiduciary capacity, including your attorney or trustee, or who have a legal interest in your insurance policy,

• adjusters, appraisers, auditors, investigators and attorneys,

• persons or organizations who need the information to perform a business, professional or insurance function for us,

• other insurance companies, agents or consumer reporting agencies as information is needed in connection with any insurance application, policy or claim involving you,

• medical professionals to inform you of a medical condition of which you may not be aware,

• persons or organizations that conduct research, including actuarial or underwriting studies, provided that no individual information may be identified in any research study report,

• persons or organizations that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements,

• our affiliated companies,

• to a court, state insurance department or other government agency pursuant to a summons, court order, search warrant, subpoena, or as otherwise required by law or regulation.

Who has access to your information?

Mid-Continent currently incorporates a system of passwords and other appropriate physical, electronic and procedural safeguards to protect against unauthorized access to potentially private information. We educate our employees about the terms of this Notice and the importance of confidentiality and customer privacy. Employees who gain unauthorized access or who otherwise violate our privacy policy are subject to disciplinary action up to and including termination of employment. We will monitor and evaluate our information security program and security software and, as technology changes, determine ways to increase protections to the security or integrity of our records and information.

How can you review recorded information about you?

You have the right to receive and review a copy of the recorded personal information about you contained in our files with respect to a particular policy number, except for certain legal and medical documents. You have the right to request that we correct any of this information. To exercise these rights, you must send us a notarized request at the address set forth below stating your complete name, address, insurance policy number, daytime phone number, and a copy of your driver's license or other personal identification. If you believe any information is incorrect, we will investigate and correct it if we can substantiate the request. Even if we do not correct the information, you have the right to file with us a written statement of dispute which we will include in any future disclosure of the information.