Confidentiality and Security
Your personal information is kept in strict confidence. We maintain physical, electronic and procedural safeguards to protect your information from unauthorized access. We restrict access to your personal information to those employees who we have determined need to know in order to provide products or services to you. Personal information is retained only as long as it is needed, or to meet any legal, regulatory or tax requirements.
Collection of Information
We collect personal information so that we may offer quality products and services. Our information sources will differ depending on your state and/or the product or service we are providing to you. This information may be collected directly from you and/or our related partners such as brokers and agents. By providing us, your broker, or agent with your personal information, we consider that you do so with the knowledge and understanding that it is collected, used and disclosed for the identified purposes.
Disclosure of Information
We may disclose non-public, personal information you provide, as required to conduct our business and as permitted or required by law. We may share information with our insurance company affiliates or with third parties that assist us in processing and servicing your account. We also may share your information with regulatory or law enforcement agencies, reinsurers and others, as permitted or required by law.
Our insurance companies may share information with their affiliates, but will not share information with non-affiliated third parties who would use the information to market products or services to you. We do not share the non-public personal information of our customers with any affiliated or non-affiliated companies who would use that information to market products or services to you.
Our standards for disclosure apply to all of our current and former customers.
We do not sell your information to anyone for any reason. We do not share it, except to service your product. We may share this information with a business that carries out services and marketing for us. We may share your information as required or permitted by law. We may share your information for a legal or regulatory purpose or to combat fraud.
This sharing depends on the products you select. These include the following types of information:
We may share information we receive from you on applications or other forms. This may include your name, address, marital status, employment information, phone number, email address, and family member information. This may also include assets, income, and the property address and value
We may share information from your transactions with us. This may include your account balance, policy coverage, and payment history. This may also include premium paid, preferences, claims, and purchase method.
Internal Access to Information
Access to personal, nonpublic information within our company is limited to those people who need the information to provide our customers with products or services. These people are expected to protect this information from inappropriate access, disclosure and modification.
Use of Information
Sometimes, we must collect information to provide you a product or to pay a claim. We do not use or share your information for any marketing purpose unless we receive your permission. We use your information when:
Considering your application for insurance and offering you insurance
Establishing and maintaining communication with you
Underwriting your insurance application
Servicing your policy, account, or claim
Detecting and preventing fraud
Complying with the requests from regulatory and law enforcement authorities
Accounting – credit card/bank account numbers to pay premiums
At your request and with your authorization
Pacific Cross is committed to keep personal information as accurate, complete and up-to-date as necessary taking into account its use and the interests of the individual.
Access to and Correction of Personal Information
You have a right to submit a written request to access your personal information that is in our possession and make corrections to it. Such a request is to be made to the address listed below. We will respond to your request within 30 days or advise you if additional time is required to respond to your request. We will amend personal information that is demonstrated to be inaccurate or incomplete.
Our Commitment to Privacy
Any requests for further information, access to personal information or complaints about our handling of personal information should be referred to us to the following address: