Your privacy is important to us.
Although our ability to provide service requires that we collect
personal information about our clients, we take measures to ensure
the privacy and confidentiality of that information.
Our commitment to safeguarding your privacy is reflected in our
Garrett y Asociados Privacy Code, which governs the behavior of
our employees with regard to the collection, use and disclosure
of our clients' personal information.
For more information about your privacy, call us at 2233-2455 or
write us at
.
The Garrett y Asociados Privacy Code.
At Garrett y Asociados, we respect our clients' privacy. We have
a long-standing policy of protecting the privacy of our clients
in all of our business operations.
We've adopted the Canadian Standards Association's Model Code as
the basis for our own Garrett y Asociados Privacy Code. It sets
out the principles that govern the collection, use and disclosure
of our clients' personal information.
We've created this part of our site to inform you about our privacy
practices. We want you to understand the purposes for which we collect
personal information about our clients. We also want to be sure
that we have your consent to continue to collect, use and disclose
your personal information for those purposes.The following is a
brief summary of our privacy practices.
Why we collect personal information:
If you are one of our clients, Garrett y Asociados has some basic
information about you. We understand that some of this information
is private, which is why we collect personal information only for
the following purposes:
- To establish and maintain a responsible commercial relationship
with you and to provide ongoing service. For example, when you
apply for insurance, we collect information that allows us to
confirm your identity and eligibility so that we can accurately
bill and collect for the insurance products and services that
you receive. We may collect credit card information if you prefer
the convenience of that form of payment. Credit card information
is used for the specific transaction, and is not stored or retained
in any way. If you need to use your credit card for another transaction,
you will have to give us the information again.
- To understand your needs and preferences. We maintain a record
of the policies and services you receive from us, and we may ask
for additional information so that we can serve you better. For
example, we will ask for your e-mail address and/or fax number
so we can more easily communicate with you and send you notices
of premiums due.
- To manage and develop our business and operations. For example,
we analyze client usage of our website and facilities to help
us manage them efficiently and plan for future growth.
- To meet legal and regulatory requirements. For example, we
may collect information in response to a court order, or to satisfy
a request by the Instituto Nacional de Seguros (the "INS")
for information about a client complaint and how it was resolved.
When do we disclose personal information?
There are a few circumstances where we may need to disclose some
personal information about our clients. In any case, we will only
disclose the minimum information required. Here are some examples:
- We may disclose a client's personal information to a person
who, in the reasonable judgement of Garrett y Asociados, is seeking
the information as an agent of the client. For example, we may
provide information about a client's account to the client's legal
representative if we are satisfied that that individual is requesting
the information on behalf of the client.
- Client information may be shared among Garrett y Asociados business
units (such as Commercial Division, Personal Division, and Risk
Management) to help us serve our clients better and to provide
them with high quality service.
- We may disclose a client's personal information to:
- A company or individual employed by Garrett y Asociados to
perform functions on its behalf, such as research or data processing;
or o an agent used by Garrett y Asociados to collect the client's
account.
- We may disclose a client's personal information to a public
authority or agent of a public authority, if in the reasonable
judgement of Garrett y Asociados, it appears that there is imminent
danger to life or property which could be avoided or minimized
by disclosure of the information.
Any such disclosure of a client's personal information outside
of Garrett y Asociados is made on a confidential basis with the
information to be used only for the purpose for which it was disclosed.
How do we protect your personal information?
In order to protect your personal information and your right to
privacy, Garrett y Asociados:
- Will not collect, use or disclose your personal information
for any purpose other than those identified above, except with
your consent;
- Will protect your personal information with appropriate security
safeguards;
- Will protect the confidentiality of your personal information
when dealing with other companies;
- Will strive to keep your personal information as accurate and
up-to-date as is necessary for the purposes identified above;
and
- Will honor any reasonable request you may make for access to
your personal information.
What are your choices?
We would like to have your consent to continue to collect, use
and disclose your personal information for the purposes identified
above. However, you do have choices and can refuse or withdraw your
consent as follows:
- You may have your name removed from our telephone, mail or e-mail
lists. However, we use these lists to inform you of upcoming premiums
due and other relevant information, products, and services that
may be of benefit to you. You would have to affirm in writing
that you did not wish to be contacted by us for any reason, and
you would take it upon yourself to make timely payments to the
INS as required for maintaining your policies in effect.
- You may refuse to provide personal information to us. You may
also withdraw your consent at any time, subject to legal restrictions
and reasonable notice. However, in either case, this may limit
our ability to serve you.
If you have any questions or concerns about our privacy practices,
please call us at 2233-2455, or email us at privacy@segurosgarrett.com.
Otherwise, we will assume that we have your consent to continue
to collect, use and disclose your personal information for the purposes
identified above.
Frequently Asked Questions about Privacy.
Why does Garrett y Asociados collect personal information about
its clients?
We collect personal information for the following reasons:
- To help us establish and maintain a responsible commercial relationship
with you and provide ongoing service.
- To help us better understand your insurance needs and preferences.
- To develop, enhance, market or provide products and services
that meet the needs of our clients.
- To manage and develop our business and operations.
- To meet legal and regulatory requirements.
How does Garrett y Asociados protect my personal information?
We store all personal account information in our secure databases,
which use the latest in data protection systems. Our employees follow
practices and procedures developed to ensure that your personal
information is protected and safeguarded.
Why does Garrett y Asociados ask me to provide personal information
when I am online?
Depending on which areas of our website you access, you may be
asked for information to help personalize your web experience. For
example, we will ask you to choose a language preference. We promise
to protect the information you provide online in the same way we
protect all our client information.
Does Garrett y Asociados use cookies when I access the web site?
A cookie is a small, encrypted data string that our server passes
to your computer to write to your hard drive, which contains your
unique User ID for our web site. Garrett y Asociados may use a cookie
to identify you during subsequent visits. Currently, the only function
of this cookie is to remember whether you prefer to view the website
in Spanish or English. You may block the placement of this cookie,
but then each time you visit our site you will have to choose your
language preference again. A cookie cannot be used to access or
otherwise compromise the data on your hard drive. Clients who wish
to disable this feature can do so by modifying their Internet preferences.
However, this may limit some of the functionality available to you
on our web site, and perhaps others.
As a Garrett y Asociados client, can I place restrictions on the
collection, use and disclosure of my personal information?
Yes. You may refuse or withdraw your consent at any time. Please
contact us for details. |
