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PRIVACY POLICY NOTICE
COLORADO FARM BUREAU MUTUAL INSURANCE COMPANY
Personal privacy concerns have arrived at the forefront in the financial industry, impacting not only those who transact the business but also those who collect and maintain personal information. Addressing these concerns has resulted in both federal and state legislation. Specifically, the Gramm Leach Bliley Act of 1999 requires each member of the financial services industry to communicate its privacy policy to consumers at the time of establishing a customer relationship.
Colorado Farm Bureau Mutual Insurance Company, (herein known as "CFBMIC") recognizes the importance of our members' trust. Keeping our members' personal information confidential is a top priority for CFBMIC. This Privacy Policy Notice, which is required by state and federal law, explains our Privacy Policies.
How and Why We Obtain Personal Information:
We may collect nonpublic personal information, including financial and health information, directly from our customers or from other sources. We also collect information from applications or other forms. Colorado Farm Bureau Mutual Insurance Co. uses nonpublic personal information collected about you to provide you with the level of service you have come to expect from us. We may use this information in order to develop, offer and deliver products and services; apply for insurance; respond to inquiries from you or your insurance agent or broker; or to fulfill legal or regulatory requirements.
Our privacy promise derives from basic principles of trust, ethics and integrity. Colorado Farm Bureau Mutual Insurance Co. may collect nonpublic personal information about you from any of the following sources:
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Information we receive from you through our affiliates, subsidiaries or other Farm Bureau companies, producers or other individuals, on applications, forms, or interviews, such as salary information or health history; and identifying information, such as name, address and social security number. |
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Information about your transactions with us, our subsidiaries or affiliates, other Farm Bureau companies or others, such as information about insurance premium payments, claims history, etc. |
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Information received from a consumer reporting agency, such as creditworthiness and credit history, motor vehicle driving record report, or medical providers. |
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Information about your relationships with us, such as products or services purchased, premium information, claims history, and account balances (if applicable). |
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We collect only the customer information necessary to consistently deliver responsive products and services. |
Who We Are:
Colorado Farm Bureau Mutual Insurance Company, (herein known as "CFBMIC") is domiciled in the State of Colorado and licensed to transact insurance in Colorado. CFBMIC provides personal and commercial insurance products and services to members of Colorado Farm Bureau. Examples of products we provide include motor vehicle, property, accident, health, and crop insurance. The Board of Directors of Colorado Farm Bureau maintains proxy control of CFBMIC. CFBMIC owns Farm Bureau Insurance Agency of Colorado, Inc., which provides our captive insurance distribution channel outlets for health, crop, automobile and workers compensation insurance.
Copyright © Colorado Farm Bureau Mutual Insurance Company 2009. All Rights Reserved.
Copyright in the pages and in the screens displaying the pages, and in the information and materials therein and in their arrangement, is owned by Colorado Farm Bureau Mutual Insurance Company, (herein known as "CFBMIC") unless otherwise indicated.
Trademarks
CFBMIC and all trademarks and service marks of CFBMIC are used and registered solely by CFBMIC. All other registered trademarks corresponding to CFBMIC are the sole proprietorship of CFBMIC, and can not be used by anyone without permission by an officer of CFBMIC. Unlawful use may result in legal action.
How We Protect Your Information:
Colorado Farm Bureau Mutual Insurance Co. has always considered the protection of sensitive information to be a sound business practice and a foundation of customer trust. We have implemented security standards and processes including physical, electronic and procedural safeguards to ensure that access to customer information is limited to employees, or insurance agents who may need it to do their jobs. They are required to respect the confidentiality of all customers.
Terms of Use of Information and Materials
The use of the web site (the "Web Site") is subject to the terms and conditions stated herein and to the terms set by the site owner CFBMIC. Use of the Web Site constitutes an agreement by you, the user, that your use is governed by these terms and conditions. In addition, when using particular services, you will be subject to any guidelines or rules applicable to such services that may be posted from time to time.
You are responsible for regularly reviewing this Agreement.
Appropriate Conduct and Prohibited Uses
You agree that you are responsible for your own conduct and content while using the service and for any consequences thereof. You agree to use the service only for purposes that are legal, proper and in accordance with these "Terms of Use" and any applicable policies or guidelines. By way of example, and not as a limitation, you agree that when using the service, you will not;
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Copy, reproduce, modify, use, republish, upload, post, publish, license,create derivative works from, transmit or distribute in any way material from the Web Site without express written permission; |
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Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; |
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Upload, post, email or transmit or otherwise make available any inappropriate, defamatory, infringing, obscene, or unlawful content; |
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Upload, post, email or transmit or otherwise make available any content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any part, unless You are the owner of the Rights or have the permission of the owner to post such content; |
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Download any file posted by another that you know, or reasonably should know, that cannot be legally distributed in such manner; |
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Impersonate another person or entity, or falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other materials; |
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Restrict or inhibit any other user from using and enjoying CFBMIC services; |
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Use services for any illegal or unauthorized purpose; |
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Interfere with or disrupt services or servers or networks connected to CFBMIC, or disobey any requirements, procedures, policies or regulations of networks connected to CFBMIC. |
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Use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of services or collect information about users for any unauthorized purpose; |
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Submit content that falsely expresses or implies that such content is sponsored or endorsed by CFBMIC; |
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Create user accounts by automated means or under false or fraudulent pretenses; |
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Promote or provide instructional information about illegal activities or promote physical harm or injury against any group of individual; or |
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Transmit any viruses, worms, defects, trojan horses, or any items of a destructive nature. |
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Redeliver, transfer, or sell any information, software, lists of users, databases or other lists, products, or services provided through or obtained by CFBMIC. This includes among other activities, using framing, scraping, screen scraping, database scraping, or any other activity with the purpose of obtaining lists of users or other information and includes any of the pages, text, images or other content of this Web Site technology without express written permission. |
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Soliciting any of the individuals or companies listed on this web site for purposes of selling products or services is prohibited. |
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Soliciting any of the individuals listed on this web site for purposes of employment. |
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International users agree to comply with their own local rules regarding online conduct and acceptable content, including laws regulating the export of data to the United States or your country of residence. |
Web Site Security
You are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. CFBMIC will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.
Links
This site may contain links to web sites controlled or offered by third parties (non-affiliates of CFBMIC). CFBMIC hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, CFBMIC does not endorse or recommend any products or services offered or information contained at that web site, nor is CFBMIC liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of CFBMIC and the third party web site may provide less security than the CFBMIC site.
No Warranty
The information and materials contained in this site, including text, graphics, links or other items are provided “as is”, “as available”. CFBMIC does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is give in conjunction with the information and materials.
Limitation of Liability
In no event will CFBMIC be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if CFBMIC, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Submissions
All information submitted to CFBMIC via this site shall be deemed and remain the property of CFBMIC and CFBMIC Lending shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides CFBMIC Lending through this site. CFBMIC shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the CFBMIC entity having the direct customer relationship or as otherwise specifically agreed or required by law.
Availability
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. By offering this site and information, or any products or services via this site, no distribution or solicitation is made by CFBMIC to any person to use this site, or such information, products or services in jurisdictions where the provision of this site and such information, products and services is prohibited by law.
Additional Terms
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.
Governing Law
The Agreement shall be construed and governed by the State of Colorado, U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts sitting in Colorado in all disputes arising out of or relating to the use of the Web Sites. Use of the Web Sites is unauthorized in any jurisdiction that does not give the effect to all provisions of these terms and conditions, including without limitation this paragraph.
Disclosure Of Information:
Types of Disclosure
There are two types of information sharing. Information sharing within Colorado Farm Bureau Mutual Insurance Co.'s family group of companies and information sharing outside of Colorado Farm Bureau Mutual Insurance Co.'s family group of companies. If you do not want your nonpublic personal financial information shared within or outside of the family of companies of Colorado Farm Bureau Mutual Insurance Co. you must complete the form below and mail to us at the address indicated. By following this procedure your information will not be shared within or outside of Colorado Farm Bureau Mutual Insurance Co. except as permitted or required by law. If there are two or more joint owners of the insurance policy, we may send only one notice to the joint owners. Any one of the joint owners may exercise the right to opt out and we will treat an opt out direction by a joint owner as applying to all of the associated joint owners.
Colorado Farm Bureau Mutual Insurance Co. feels strongly about maintaining safeguards to ensure information security. We may share your financial information with the following types of third parties:
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Unaffiliated service providers which perform services on our behalf (such as third party administrators, marketing agreements, reinsurers, claims adjudication providers, etc). |
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Affiliated providers within the Colorado Farm Bureau Mutual Insurance Co. group of companies or other Farm Bureau companies providing services on our behalf such as marketing, reinsurers, administrative service agreements, claims adjudication, etc. |
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Government agencies and law enforcement officials (for example, for tax reporting or under court order. We may be required by law or regulation to disclose information to third parties, for example in response to a subpoena or to comply with rules of, or inquiries from, industry regulators). |
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Other organizations, with your consent or as directed by your legal representative. |
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Other organizations, as permitted by law. |
If you are a former customer, your information is treated in the same manner as the information of current customers.
We Limit How, and With Whom, We Share Customer Information:
First and foremost, we do not sell lists of our customers, nor do we disclose customer information to marketing companies outside of Colorado Farm Bureau Mutual Insurance Co. family group or other Farm Bureau companies. Protecting your personal information is an important priority for Colorado Farm Bureau Mutual Insurance Co. The privacy policy we adhere to is designed to support this objective. We will reaffirm this policy annually in writing, as long as you maintain an ongoing relationship with us.
Farm Bureau Insurance Racing's Commitment to Privacy
Farm Bureau Insurance is committed to the privacy of our members and visitors to our website. This notice is intended to assist you in understanding our policies and procedures regarding privacy of personal information.
Website Usage:
For every visitor to our website, our server automatically logs the domain name or IP address of the user. We may also collect browser version and system platform information, the referring page, requested pages, and the date and time of page requests. This information is used solely for generating statistics that help us improve our site's usability.
PERSONAL INFORMATION:
Farm Bureau Insurance Racing maintains a strict privacy policy regarding the personal information of individuals visiting our sites. If you provide your e-mail address and/or your postal contact information, we may contact you about our products, services or special offers and/or provide your contact information to our agents in the field to assist you in learning more about our company. If you prefer to opt out of such information, you may contact privacy@farmbureauinsuranceracing.com to remove your name from our lists. We will not sell or rent your email address or contact information to any other organization for any purpose.
COOKIES:
Like many websites, our website may place a small file called a "cookie" in the browser files of your computer. We use cookies to save information you may give us so that you do not need to re-enter it every time you visit our site. We may also use cookies to personalize content you receive, or to make navigation easier. Please check your browser software for information on how to manage cookies on your computer. If you choose not to accept cookies when visiting our site, you may experience diminished access to content.
ADVERTISING:
Farm Bureau Insurance Racing does not accept advertising on our website, nor do we share any user information with advertisers.
OTHER WEBSITES:
The Farm Bureau Insurance Racing website contains links to other websites. We are not responsible for the privacy practices or the content of any such linked sites.
CONTACT INFORMATION:
Farm Bureau Insurance Racing is affiliated with Southern Farm Bureau Life Insurance Company.
Our contact information is as follows:
Southern Farm Bureau Life Insurance Company
P.O. Box 78
Jackson, MS 39205
Telephone: (601) 981-7422 |
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Last Updated:
March 2, 2010 9:06 AM
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Copyright © 2009 Colorado Farm Bureau Mutual Insurance Company Protecting the Colorado Way of Life™
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