Welcome to D.G. Smith Insurance & Financial Services

D.G. Smith Insurance & Financial Services, its affiliates and related companies take no responsibility for the accuracy or validity of any claims or statements contained in the information, or related graphics of this site. Further, D. G. Smith Insurance & Financial Services makes no representations whatsoever about the suitability of any of the information contained in the information or graphics on this site for any purpose. All such information and related graphics are provided without warranty of any kind. D.G. Smith Insurance & Financial Services makes no representations whatsoever about any other web site which you may access through this site. When you access a non-D.G. Smith Insurance & Financial Services web site, you understand and acknowledge that it is independent from D.G. Smith Insurance & Financial Services, and that D.G. Smith Insurance & Financial Services has no control over the content on any such web site. In addition, a link to a non-D.G. Smith Insurance & Financial Services web site does not mean that D.G. Smith Insurance & Financial Services endorses or accepts any responsibility for the content, or the use of such web site. It is your responsibility to take precautions to ensure that whatever you select for your use by you is free of such items such as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL D.G. Smith Insurance & Financial Services BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION AVAILABLE OR REFERRED TO ON THIS SITE.

Purpose This privacy policy is a statement of the general principles we, at D.G. Smith Insurance & Financial Services, apply to the handling of personal information. We want our clients, potential clients, employees, representatives and business partners to be aware of how and why we handle personal information.

As a leading intermediary in the insurance sector, the collection, use and disclosure of personal information is fundamental to the services we provide and the insurance products we place.

This policy will be modified from time to time. You may obtain our most up to date version by following the instructions set out in the section called “Contacting our Privacy Officer”.

Consent and the Collection, Use and Disclosure of Personal Information

We obtain consent to the collection, use and disclosure of personal information, except where inappropriate. The form of consent will depend upon the sensitivity of the information.

Sometimes we collect, use and disclose personal information because we can’t serve our customers without doing this. For example, we can’t arrange for automobile insurance on behalf of an individual who will not provide us with their driver’s license number.

In most cases it will be obvious why we are collecting personal information and the use we will make of that information. In other instances, the purpose may not be so obvious or there may be an additional collection or disclosure of information required before we can arrange for an insurance product or service. When this is the case we provide notice of the insurance purpose for which we collect and disclose personal information at or before the time we collect the information. Subject to contractual and legal restrictions, a customer is always free to revoke their consent to such collection and disclosure of personal information for insurance purposes but in then we will be unable to arrange for or administer insurance products or services on that individual’s behalf.

Typically personal information is collected by us and used for insurance purposes such as, obtaining a quote, processing applications for insurance coverage, servicing any issued policy, processing claims and assessing the insurance needs of our customers and potential customers. We disclose the information you provide to us to the insurer with whom your policy is placed but only to the extent it is required to obtain the requested insurance product. Sometimes the insurance company will need additional information and unless you advise us that you do not wish us to assist in this regard, they will communicate requests for and obtain additional information through us.

Lastly, if we plan to collect, use or disclose personal information for other than the requested insurance purposes, we state such additional purpose at or before the time the information is collected and we allow individuals to decline or revoke their consent to the use of their personal information for those purposes. For example, from time to time we offer our customers or other individual’s upgrades to coverage and additional products and services, which we think may be appropriate or necessary to them. An individual may always decline to receive such offers of upgrades and additional products and services by contacting our Privacy Officer at the address set out in the section entitled “Contacting our Privacy Officer”. If an individual declines or revokes consent to be contacted about upgrades and additional products and services, we will be unable to provide continuing insurance advice to that individual. We will service only those products and services we have placed for that individual.

Accuracy of Personal Information

We maintain procedures to ensure that the information we collect and use is accurate, up-to-date, and as complete as possible. However, we rely on our customers to disclose all material information to us and to inform us of any changes.

Confidentiality of Personal Information

We treat the personal information of our customers as confidential and we do not disclose that personal information except as required in accordance with the authorization of the individual to whom the information relates, in accordance with this privacy policy and the law. We apply appropriate safeguards to our computer networks and physical files and we restrict access to personal information to those D.G. Smith Insurance & Financial Services’ employees who need to know that information in the performance of the job duties.

Disclosure of Personal Information within D.G. Smith Insurance & Financial Services

An individual can decline or revoke their consent to the disclosure of their personal information for marketing purposes. They may do this by contacting us in writing at the address provided below in the section called “Contacting our Privacy Officer”.

We do not sell our customer lists or other personal information.

Retention and Access to Personal Information

We retain personal information only for so long as is necessary to fulfill the purpose for which it was collected and to meet our legal and contractual obligations. If personal information is no longer required, it will be destroyed or rendered anonymous.

People have a right to request access to the personal information we have about them. They also have a right to request to correct any inaccurate information. They may do this by contacting us in writing at the address provided below in the section called “Contacting our Privacy Officer”.

There are some exceptions established by law to the right to request access. For example, if allowing a request to access would reveal personal information about someone else and the information cannot be separated, we will be unable to provide access.

Contacting our Privacy Officer

Keri Smith - The Privacy Officer
D.G. Smith Insurance & Financial Services
keri@dgsmithinsurance.com
Toll Free: (800)377-4784, ext #225

Should you have:
• Questions about our personal information practices;
• A request to access or correct your personal information; or
• Should you wish to decline or revoke your consent to the use, collection or disclosure of your personal information for marketing purposes.

Include your name, address and, if applicable, your policy number.