PRIVACY POLICY

We at Custom Disability Solutions (CDS) value our customers, their business, and their privacy. As part of our continuing efforts to safeguard our customers' non-public personal health and financial information, we are providing you this notice to help you understand what types of information CDS may collect about its customers, what CDS does with that information, and with whom CDS might share it.

CDS's privacy policy applies to the non-public personal health and financial information of both current and former customers. It is CDS's practice to provide customers with notices outlining CDS's corporate privacy policy, and any changes in our privacy policy, in accordance with applicable state or federal laws.

WHAT TYPES OF INFORMATION DO WE COLLECT ABOUT CUSTOMERS, AND WHERE DO WE GET THAT INFORMATION?

We may collect nonpublic personal health and financial information about customers from:

the customer, through applications and other documents the customer provides, through telephone or personal interviews, or through websites;
employers;
insurers;
physicians and other health care providers;
insurance agents or brokers;
other benefits administrators and claim management services vendors;
governmental agencies; and
consumer reporting agencies and other authorized providers of nonpublic personal information.

This information may include customer names and addresses, the cars they own, a description of their homes, their health information, their payment and claims history, their driving and credit records, their daily activities, their work history and employment activities, health information and other similar information. We use this information to help us underwrite insurance policies, administer claims, and provide the best possible service to our customers at the best possible price.

WHAT TYPES OF INFORMATION ABOUT CUSTOMERS DO WE DISCLOSE TO OTHERS, AND TO WHOM DO WE DISCLOSE IT?

From time to time, we share nonpublic personal health or financial information with nonaffiliated third parties, but only:

in connection with the processing of transactions or the servicing of a customer's claim or their business;
for purposes of marketing our own products, or pursuant to joint marketing agreements with others;
to protect customers, and us, against fraud and unauthorized transactions;
if customers authorize or agree to such disclosure; or
as otherwise required or permitted by law.

The nonaffiliated third parties with whom we might share customers' nonpublic personal health or financial information include insurance agents and brokers, service companies that help us issue policies and handle claims, attorneys who may be representing us or our client companies in lawsuits, and legal and regulatory authorities. To the extent we share a customer's information with companies that perform services on our behalf or with whom we have joint marketing agreements, we require those companies to contractually commit to protecting the customer's personal privacy.

We do not sell customers' nonpublic health or personal financial information to other companies for their own marketing purposes. And before we would consider sharing this information with others, except as permitted by law and except as otherwise described above, we would provide customers with an opportunity to opt out or opt-in, as required by law..

HOW DO WE PROTECT THE CONFIDENTIALITY AND SECURITY OF CUSTOMER INFORMATION?

We restrict access to nonpublic personal health and financial information about customers to employees and others who may need access to that information for legitimate business purposes - such as to properly underwrite policies, service claims, develop products, and communicate with customers. We maintain physical, electronic, and procedural safeguards designed to ensure the privacy of customer personal information, and we continually monitor these security protections.