PRIVACY NOTICE AND DISCLOSURE
(Non-HIPAA)

     The privacy of the personal information we collect from customers and potential customers is very important to Baker Welman Brown Insurance & Financial Services.  You have received this notice in accordance with federal and state laws.  This notice is to provide you with our understanding of types of non-public personal and financial information about you which we may collect, how we use it and how we protect that information.  The following policies are applicable to Baker Welman & Brown Insurance Agency, Inc. and Charles B. Brown & Associates, Inc. d/b/a Baker Welman Brown Financial Services.

I. Information we collect:

     We collect non-public personal information about you from the following sources:

1. Information we receive from you on applications for insurance or investments or from other insurance and investment forms you complete.
2. Information we receive from the companies we represent which provide insurance policies or securities to you.
3. Information from consumer reporting agencies.
4. Information about your transactions with us, the companies we represent, third-party service providers or our affiliates.
5. Information from other sources, such as employers or government agencies.
6. Information from visits to our website.

     The type of information we collect is related to the insurance or investments you request from us and may include your name, address, social security number, driver’s license number, ownership of property, marital status, telephone and fax numbers, and other information required to get insurance coverage or conduct security transactions for you.

     If you visit our website, we may collect certain information about your visit including the types of browser operating system you use on your computer and the name of your internet service provide.

II. Information we may disclose:

     We do not disclose any non-public personal information except as permitted by law.

     We may disclose the following types of information to entities that provide marketing services on our behalf and/or with whom we have joint marketing agreements:  Name, address, social security number, driver’s license number, property, or the types of information listed in paragraph I above.

III. Information we share with third parties.

1. We disclose non-public personal information to non-affiliated third parties only as permitted by law.
2. We may share certain non-public personal and financial information about you with other insurance companies we represent and security firms with which we conduct business, which are non-affiliated third parties, for the purpose of seeking other quotes for the placement of your insurance, for placing that insurance with those companies or for transacting securities business on your behalf.  You have the right to instruct us not to share your non-public personal information with these non-affiliated third party insurance companies or security companies.  If you wish to instruct us not to share your non-public personal information with non-affiliated third parties, you may opt-out of those disclosures and instruct us not to make any disclosures not expressly permitted by federal and state law and implementing regulations.
3. We disclose information to third-party service providers that assist us in servicing your accounts (e.g. securities clearinghouses).

           
IV.       Our procedures to protect your private information.

     We restrict access to non-public personal information to those employees, agents, representatives or parties who need to know the information in order to provide the insurance products requested by our customers.

     We have policies and procedures, and provide training, that give direction to our employees, and to agents and representatives acting on our behalf, regarding how to protect and use non-public personal information, and of the importance to protect such information.  In addition, we maintain physical, electronic and procedural safeguards to protect non-public personal information.

     Our services providers and the companies with which we have joint marketing agreements have agreed to protect this information in a manner that is consistent with this privacy notice.  The agreements either require them not to use the information for any purpose other than to perform the contracted services for us, or for the program for the joint marketing agreement.

     You have a right to review the non-public personal information about you related to any product we procure for you.  You may request that we correct, amend, or delete any inaccurate information by writing to the address shown on this notice.

     We may make changes to this privacy notice and disclosure at any time and will provide you with any notice of such changes required by law.

• Baker Welman Brown Insurance & Financial Services
  204 Saint Francis Street
  Kennett, Missouri 63857
  Phone: 573.888.4677

Email: info@bwbins.com 204 St. Francis Street • Kennett, MO 63857 Phone: 573-888-4677 • Fax: 573-888-0305 Toll Free: 800-455-4677 Insurance Services • Securities Services • Free Quote • Our Staff • About Us • Home