Privacy Policy

NOTICE OF INFORMATION AND PRIVACY PRACTICES

TBG West takes very seriously its duty to protect your personal information from unauthorized disclosure, viewing or possession.  Your trust is our most valuable asset.  In order to gain that trust, this Notice outlines our privacy practices, including:  what information we collect and how we use that information; to whom we disclose that information; how we safeguard that information; how you can have access to that information, and if appropriate, correct that information; and how you can contact us concerning our privacy practices.

In this Notice, we refer to a category of information called nonpublic personal information (NPI).  NPI consists of any information we obtain from you or about you and that we do not believe has been made publicly available.  For practical purposes, NPI is information we obtain through our interactions with you; we assume all such information is nonpublic.  This Notice applies to former, current, and future customers.  This notice applies only to information collected by TBG West.

 

Notices

We only collect and disclose your NPI to the insurance carriers from whom we provide services.  Accordingly, we operate under the view that it is generally those insurance carriers’ obligation to provide you a notice about how we and they collect and use information.  We provide this privacy notice simply to inform you of our information collection and use policies and practices.  We are not responsible for the privacy practices of any insurance carriers from whom we provide services.  The insurance carriers from whom we provide services have their own privacy policies and practices that are described in their own notices.  We encourage you to read the privacy notices of any such third parties.

 

The Information We Collect and Use

As an insurance agent, we collect NPI about you from you. Such NPI may include your name, home telephone number, business telephone number, home address, Social Security number, business address, e-mail address, date of birth, occupation, date of hire, earnings information, and health information.  We also collect your NPI from so-called census data provided to us by your employer, partnership, corporation and/or other affiliated entities.  This census data includes your name, telephone numbers, home address, Social Security number, business address, e-mail address, date of birth, occupation, date of hire, and earnings information,.  To the extent that we collect health NPI about you, we only do so from your insurance application to the extent you provide it and upon exception at time of claims from a medical provider to assist you at time of claim, if needed, and specifically approved by you, with valid authorizations executed by you. The NPI that we collected is obtained from any applications and forms submitted to us you or your employer, partnership, corporation or any related entities as well as any other communications you and/or your employer, partnership, corporation, and/or other affiliated entity may have with us – whether those communications are in writing, over the phone, by e-mail or in any other medium.  We may also receive NPI about you from insurance carriers.
 

The Information We Disclose to Others

We only share your NPI with third party insurance carriers with whom we act as an agent in order to determine your eligibility for an insurance coverage, benefit, or payment, and/or to service your insurance application and/or policy.  This allows us to obtain price quotes, negotiate for prices and services, enroll you in the policies you select, negotiate coverage subject to medical underwriting, and service your disability and long-term care insurance needs.  We routinely limit our disclosure of this information to that which is necessary for the insurance company to offer a product or service to you.  In connection with this, we may request that you provide us with a written authorization to share health NPI with the insurance carrier in order to facilitate your insurance transaction. 

We may also share your NPI with a court, governmental or regulatory agency when there is a lawful request; law enforcement to protect against fraud or unauthorized transactions; and a group policyholder (such as your employer) for purposes of reporting experience. We also may share your NPI as otherwise allowed or required by law. 

We do not provide your NPI, including your health NPI, to any affiliates or nonaffiliated third party for the purpose of marketing any products or services.  

 

How We Safeguard Your Information

We employ physical, electronic and procedural safeguards, including firewalls and monitoring, in order to protect the confidentiality and security of your NPI.  We regularly review our policies and practices in this regard . In addition, our employees are permitted access to your NPI only on a “need-to-know” basis, that is to say, only if necessary to our providing services to you. 

 

How You May Access Your Information

You have the right to inspect the NPI that we collect from you for purposes of obtaining quotations and providing services.  You may visit our facility to do so, or you may request that we send a copy of your NPI to you.  In order to do either, you must send a written request to the address listed below.  The request should include your full name, address, telephone number and policy number if a policy has been issued.  If you so request, we will send the information to you by U.S. Mail and we may charge a reasonable fee for copying and sending the information to you.  If you so request, we also will disclose to you the insurance carrier(s) to whom such NPI was disclosed, or if that information was not recorded, the names of the persons to whom such NPI normally is disclosed.  If the NPI you request includes health information, we may provide that information to you through a health care provider you designate.  Your right to access your NPI does not apply to NPI that relates to or is collected in connection with, or in reasonable anticipation of, an insurance claim or civil or criminal proceeding involving you.

 

Correction of Information

If you believe the NPI we have about you is incorrect, you may request that we correct that NPI by writing to us.  Your letter should include your full name, address, telephone number and policy number if a policy has been issued.  Your letter should explain why you believe the NPI is inaccurate.  If we agree that the NPI is inaccurate, we will correct the NPI and notify you in writing of the correction.  We also will notify any insurance carrier who may have received the incorrect NPI from us in the past two years if you request that we contact such insurance carrier.  If we disagree with you, we will so inform you and explain our decision.  We will also tell you that you may submit a statement to us.  Your statement should include the corrected NPI and explain why you disagree with our decision.  We will file your statement with the disputed NPI.  We will include your statement anytime we disclose the disputed NPI.  We also will give the statement to any person you designate if we may have disclosed the disputed NPI to that person in the past two years. 

 

How to Contact Us

For additional information about TBG West’s commitment to privacy, please visit www.tbgwest.com or write to:  Chief Administrative Officer, 6077 Bristol Parkway, Culver City, CA 90230.  To request access to your NPI or to correct your NPI you must write to:  Chief Administrative Officer, 6077 Bristol Parkway, Culver City, CA 90230.  We reserve the right to modify this notice.  If we modify this notice we will post it to our website www. tbgwest.com.