J. Byrne Agency Privacy & Disclosure Notice
Keeping personal information secure is one of our most important responsibilities. Appropriate employees are authorized to access client information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of client information and are subject to disciplinary action.
The Non-Public Information We Collect
Information we receive on applications or other forms;
Information about your transactions with us, our affiliates, or others; and
Information we receive from non-affiliated third parties, including a consumer reporting agency.
Personal Information We May Disclose
The agency that handles this insurance transaction will disclose non-public information concerning you, the policy holder, to non-affiliates except as permitted by law in the following cases
To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us;
To a lienholder, mortgagee, assignee, lessor, adjuster, auditor or other person shown on our records as having legal or beneficial interest in a policy of insurance.
Fees and Commissions
The J. Byrne Agency may receive income in several forms in connection with the issuance of a policy attained through our agency. Remuneration may be received as: commissions or other amounts paid by the insurer, fess paid by the applicant in addition to commissions (a separate written agreement would be required), and investment income on premiums collected. In addition, the agency may receive contingent commissions or other amounts paid by the insurer, including, but not limited to amounts based on aggregate agency loss experience, retention and/or the volume of business placed with the insurer.
Interest in Stock Ownership of Other Companies
The owners of this agency, or the agency itself, might, from time to time, own a stock interest in specific insurance companies, finance companies, wholesale companies, inspection companies, claims adjustment companies, and other companies with which we place business.