Privacy Statement

This notice provides detail about the information we collect and disclose, and explains how we handle privacy as it relates to you and your accounts.

PURPOSE
The Financial Modernization Act of 1999 (15 U.S.C. 6801 et seq.) and the laws of the State of New Jersey generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our policies and practices, such as the type of information we collect about you and the categories of persons and entities to whom that information may be disclosed. In compliance with the Financial Modernization Act of 1999 and the laws of this state, we are providing you with notice of the privacy policies and practices of The Barrood Agency Inc.

WE DO NOT SELL, RENT, OR OTHERWISE PROVIDE CUSTOMER INFORMATION TO ANY COMPANY SO IT CAN MARKET SERVICES OR PRODUCTS TO YOU.

The laws of this state further require that we inform you that we may not share your personal information with a non-affiliated third party for any purpose that is not specifically authorized by law unless we obtain your affirmative permission. Dickstein Associates remains committed to maintaining the confidentiality of information provided to us.

POLICIES AND PRACTICES

1. Information we collect. As part of the insurance, real estate, or travel service we provide for you, we may collect nonpublic personal information about you from sources other than you, including, without limitation, sources such as: (i) applications and other documentation that you complete at our request; (ii) past transactions that you have had with us, our affiliates, or others; (iii) consumer reporting agencies; (iv) medical records and medical professionals; and (v) the Motor Vehicle Commission.

We may collect nonpublic personal information from individuals other than those proposed for coverage.
If you authorize us to do so, we may obtain information from an investigative consumer report prepared by a third party. With respect to these reports, you should be aware that: (i) you have the right to request to be interviewed in connection with the preparation of such a report; (ii) upon request, you are entitled to receive a copy of the report; and (iii) the information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.

2. Information we may disclose to third parties. In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the following reasons: (i) to a third party if the disclosure will enable that party to perform a business, professional or insurance function for us; (ii) to an insurance institution, agent, or credit reporting agency in order to detect or prevent criminal activity, fraud, or misrepresentation in connection with an insurance transaction, or to perform a function in connection with an insurance transaction involving you; (iii) to a medical care institution or medical professional in order to verify coverage or benefits; (iv) to an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities; and (v) to others as permitted by law.

3. Your right to access and amend your personal information. You have the right to request access to the personal information we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions, or types of institutions to whom we have disclosed such information within two (2) years prior to your request. Your right includes the right to view such information and copy it in person, or request a copy to be mailed to you (for which we may charge you a reasonable administrative fee to cover costs). Your right also includes the right to request corrections, amendments, or deletions of any information in our possession. The procedures that you must follow to request access to, or an amendment of, your information are:

To access your information. You must submit a written request to The Barrood Agency Inc., 50 Paterson St., New Brunswick, NJ 08901 The request must include your name, address, Social Security Number, telephone number, and the recorded information to which you would like access. The request must state whether you would like access in person or a copy of the information to be mailed to you. Upon receipt of your request, we will contact you within thirty (30) business days to arrange providing you with access in person or the copies you have requested.

To correct, amend, or delete any of your information. You must submit a written request to The Barrood Agency Inc., 50 Paterson St., New Brunswick, NJ 08901. The request must include your name, address, Social Security Number, telephone number, the specific information in dispute, and the identity of the document or record containing the disputed information. Upon receipt of your request, we will contact you within thirty (30) business days to notify you either that we have made the correction, amendment, or deletion, or that we refuse to do so and the reason for the refusal, which you will have an opportunity to challenge.

4. Our practices regarding information confidentiality and security. Maintaining the confidentiality of your personal information is important to us. To maintain your privacy, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with regulations to guard your nonpublic personal information.

5. Our policy regarding dispute resolution. Any controversy or claim arising out of or relating to our privacy policy, or alleged breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon any award rendered by the arbitrator(s) may be rendered in any court having jurisdiction thereof.