Privacy Policy

Purpose

This privacy policy is a statement of the general principles that Shoreview LLC (“Shoreview Insurance” or “Shoreview”) applies to the handling of personal information. Shoreview Insurance wants its clients, potential clients, employees, representatives and business partners to be aware of how and why it handles personal information.

This policy applies to Shoreview Insurance.

Shoreview Insurance is committed to protecting your privacy and the confidentiality of your personal information. In order to comply with privacy regulations, Shoreview Insurance has developed this Privacy Policy. Any personally identifiable information about a client or potential client is considered personal information (“Personal Information”) and will be treated in accordance with this Privacy Policy.

Identified Purposes

Shoreview Insurance collects, uses and discloses Personal Information only for the following purposes: In this Privacy Policy, the following list of identified purposes will be referred to as the “Identified Purposes”.

  • Offering and providing insurance and financial products and services to you;
  • Establishing and maintaining communications with you;
  • Verifying your identity and the accuracy of your Personal Information with government agencies, industry associations, brokers or insurers;
  • Analyzing and assessing risks on a prudent basis;
  • Determining and facilitating your payment of fees and premiums;
  • Investigating and paying claims;
  • Detecting and preventing fraud or other illegal activities;
  • Compiling statistics;
  • Complying with the law or the requests of law enforcement agencies or regulators; and
  • Notifying you or allowing our affiliated companies to notify you of certain products or services offered by us, or our affiliated companies

Consent

Your knowledge and consent of Shoreview’s collection, use and disclosure of your Personal Information is critical. We rely on the following actions by you as indications of your consent to our existing and future Personal Information practices:

  • Your voluntary provision of Personal Information directly to Shoreview Insurance or through an insurance broker or representative for the purpose of acquiring an insurance contract or financial service or product (including information previously provided to Shoreview Insurance);
  • Your express consent or acknowledgement contained within a written, verbal or electronic application process;
  • Your consent solicited by Shoreview Insurance (or its agent) for a specified purpose;
  • Your receipt of this Privacy Policy, until you notify Shoreview Insurance of a withdrawal of this consent; or
  • Your consent given through your authorized representative such as a legal guardian, agent or holder of a power of attorney.

Subject to certain legal or contractual restrictions and reasonable notice, you may withdraw this consent at any time. Shoreview Insurance will inform you of the consequences of withdrawing your consent. In some cases, refusing to provide certain Personal Information or withdrawing consent for Shoreview Insurance to collect, use or disclose your Personal Information could mean that we cannot provide you with insurance coverage or other requested products, services or information. If you wish to withdraw your consent to be notified of marketing initiatives, please call 1-303-442-3100.

Accuracy

Shoreview Insurance will maintain your Personal Information as accurate, complete and up-to-date as is necessary for the Identified Purposes.

Safeguards

Shoreview Insurance will protect your Personal Information by security safeguards appropriate to the sensitivity of the information. Safeguards will vary depending on the sensitivity, format, location and storage of the Personal Information.

Accountability, Openness & Customer Access

Shoreview Insurance is responsible for all Personal Information under its control and for compliance with this Privacy Policy.

Limiting Collection & Retention of Personal Information

Shoreview Insurance will collect, use or disclose Personal Information only that is necessary for the Identified Purposes or as required by law. If Personal Information is required for any other purpose, you will be notified of the new purpose, and subject to your consent, that new purpose will become an Identified Purpose. Shoreview Insurance will collect Personal Information only by fair and lawful means. Shoreview will retain Personal Information only as long as is necessary for the fulfillment of the Identified Purposes.

Shoreview Insurance does not sell its customer lists or other personal information.

Right to Be Informed

You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to and easy to understand explanation of how insurance works and it will meet your needs. You also have the right to know how insurers calculate price based on relevant facts. You have the right to ask who is providing compensation to Shoreview Insurance for the sale of your insurance. Shoreview Insurance will provide information detailing for you how Shoreview Insurance is paid, by whom, and in what ways.

Responsibility to Ask Questions & Share Information

To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your privacy policy so that you understand what it covers and what your obligations are under it. You can access information through brochures and websites, as well as through one on one meeting with your broker, agent, or company representative. You have the option to shop the marketplace for the combination of coverage and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your insurance company or broker or agent of any change in your circumstances.