Steven H. Kobrin, LUTCF, recognizes that the foundation of business is maintaining the client's trust and confidence.
In order to provide you with the most effective and beneficial service, we must maintain information about you. Keeping that information secure and private is important to us.
This notice is provided to you so that you may know: the type of information we collect; how we collect information; what we may disclose to our affiliates and non-affiliated third parties; and the steps we take to protect personal information about you.
Please note: Steven H. Kobrin, LUTCF, is life insurance licensed in all of the USA, except for Alaska and Hawaii. Residents of Alaska and Hawaii should not request assistance from Steven H. Kobrin, LUTCF. Use of this web site indicates understanding of these statements.
1. Customer Information
Customer information includes identifying information such as your name, address, telephone number, and demographic data about you. It also includes information about your transactions with us (such as the type and value of insurance policies you own) and the amount of insurance premiums you pay.
2. Financial Information
Financial information is information covered by the Fair Credit Reporting Act and includes information such as your credit history, income, assets, type and value of other insurance products you own or for which you have applied, and amount of premiums you pay to other insurance companies.
3. Health Information
Health information includes your health and medical history, as well as your insurance underwriting risk factors.
1. your application and related forms
2. your other communications with us
3. consumer reporting agencies
4. anyone you have authorized to provide information to us
5. processing and recording your transactions
6. processing your claims for benefits
7. other brokers that work with us
1. Customer Information
In order to offer you products and services that may be of value to you, we may, where permitted by law, disclose the customer information described above to the following types of persons or orgainizations:
a. Other insurance companies we represent2. Financial and Health Information
b. Other financial institutions with which we jointly provide financial products or services
c. Anyone to whom you have authorized us to disclose the information
d. Others as permitted or required by law, i.e. regulatory agencies
We will not disclose the financial and health information described above to anyone unless you have authorized us to do so, or as permitted or required by law. Examples of disclosures permitted by law would include disclosures to organizations that provide claims administration, underwriting, investigation or policyholder services for us or on our behalf.
A. Security
We use security procedures and practices including the use of firewalls and passwords to protect the data that we store on our servers.
However, information submitted on the Internet is never totally secure. If you feel uncomfortable submitting any personal information through our website, you may call us toll-free at 1 (866) 633-1818, instead.
Please note: Information sent to us through our online forms is not more secure than regular email. We strongly caution you not to send "highly sensitive information" (such as social security number or credit card and bank account numbers) through our online forms or through email.
B. Links to Other Websites
This site contains links to other sites that are not under our control. These websites have their own policies regarding privacy. We are not responsible for the privacy practices or the content of other websites. For your own protection, you should review their policies upon visiting these other sites to make sure they respect your privacy.
C. Newsletter Policy
In order to subscribe to Steve Kobrin's newsletter, you must provide your e-mail address and name. You are not obligated to provide your legal name—nicknames and aliases are permitted for the purpose of newsletter subscription. Please note that site visitors who request information through our online forms will be eventually added to the newsletter email list, as well.
A confirmation email will be sent to the email address you provided, as a precaution against those who would maliciously or inadvertently subscribe with your email address. Additionally, subscribers may change or cancel their subscription at any time by sending us an email or by using the "newsletter service center" form that's linked from the bottom of every newsletter.
We may use your email address to send you additional email messages, as needed for maintenance of our email list and for alerting our email membership of pertinent insurance news. We do not release subscriber names or email addresses to outside organizations.
D. Children's Guidelines
Although this site is intended for the use of adults, and is not of likely interest to children (under 13 years of age), the forms on this site are capable of collecting online contact information from children who furnish it without prior parental consent or parental notification. Upon discovery that any such information was supplied by children, such information shall be disregarded and deleted. This web site fully supports COPPA (Children's Online Privacy Protection Act).
E. Visitor Tracking and Use of Cookies
A "cookie" is a small text file that a web site can place on your computer's hard drive in order, for example, to collect information about your activities on the site or to make it possible for you to use an online "shopping cart" to keep track of items you wish to purchase. Most consumers do not know that cookies are being placed on their computers when they visit websites. If you want to know when this happens, or to prevent it from happening, you can set your browser to warn you when a website attempts to place a cookie on your computer.
Our web site uses a cookie to track information such as when and which of our pages you visit, your IP address, your domain name, and your referring URL (how you found our website—which search engine, for example). Your privacy is important to us, and this cookie assigns you an arbitrary, anonymous "Visitor ID" number for purposes of identification.
We use this information to perform statistical analyses of user behavior in order to measure visitor interest in the various areas of our site, to measure how visitors find our site, and to inform advertisers as to how many visitors have seen or clicked on their advertising banners and/or rate-quoting forms. In performance of these analyses, we will disclose information to third parties only in aggregate form; individual information will not be given.
F. Public Areas
This web site may make public areas (such as chat rooms, forums, message boards, and/or news groups) available to its users. Please remember that any information that is disclosed in these public areas becomes public information and you should exercise caution when deciding to disclose your personal information. If you choose to use a public area, you are solely responsible for your own communications, the consequences of posting those communications, and your reliance on any communications found in the public areas.
We restrict access to non-public personal information about you to those employees or service providers who need to know the information to provide products or services to you. The policies and procedures that we use are designed to: (i) ensure the security and confidentiality of customer information, (ii) protect against any anticipated threats and/or hazards to the security and integrity of customer records and information; and (iii) protect against unauthorized access to, and use of customer records or information that could result in any substantial harm or inconvenience to any customer.
A. Physical Records
Physical safeguards are in place that comply with federal regulations to guard non-public personal information about you that is maintained in hard copy.
B. Information Systems
1. Login identifications are issued only with specific access authorizations;
2. Passwords must be changed every ninety days;
3. Web site servers used to gather and transmit personal data are stored in secure locations.
C. Employees
1. Control procedures are in place together with the segregation of duties for employees with the access to, or responsibility for, non-public personal information;
2. Employees receive training as part of the orientation process, with respect to this Privacy Policy and the issuance of this privacy notice; and
3. Employees are required to execute an acknowledgement form following review of this Privacy Policy.
D. Brokers
Individuals, companies, and other entities that access products and services from us must agree to safeguard non-public personal information about customers, pursuant to our Privacy Policy.
E. Third Party Service Providers
Third party service providers must agree to safeguard non-public personal information about customers, pursuant to our Privacy Policy.
A. Changes to this Privacy Policy
We may edit this privacy policy from time to time. If we make any substantial changes in our use of readers' personally identifiable information, we will post a notice at the top of this page to alert you of the change.
B. Contacting the Web Site
1. If you have any questions about this privacy policy, the practices of this web site, or your dealings with this web site, you can contact our webmaster by calling toll-free 1 (866) 633-1818, or by sending an email to webmaster@stevenkobrin.com.
2. You may also contact Steve H. Kobrin, LUTCF, by calling toll-free 1 (866) 633-1818, or by sending an email to skobrin@stevenkobrin.com. Alternatively, you may send a fax to (201) 796-8244 or leave a voice-mail message at (201) 487-3143.