We Respect Your Privacy… We will never share nonpublic personal information except as required by law,  and we will strive to protect your privacy to the best of our abilities.

Information We Collect About You.  Information about you and your account is necessary for the efficient conduct of business and essential for meeting your business needs. During the course of business we collect nonpublic personal information about you from the following sources:

• Information we receive on applications or other forms submitted by you such as, but not limited to, your name, address, social security number, employer, income, and account information at financial institutions;
  

• Information we obtain when verifying the information we receive from you;
  

• Information about your transactions with us, our affiliates, or other companies we work with to provide you with products and services;
  

• Information we receive from a consumer reporting agency.

Information About You We Share.  We may disclose information we collect about you under certain circumstances, and as permitted or required by law, with third parties to complete transactions and maintain accounts and related records (such as data processing transactions and records).  The disclosure of this information typically includes processing transactions on your behalf, as you authorize, to provide you with a product or service, to conduct business pertinent to your account, and to protect the security of our records.  In the event that you terminate your association with our company we will not share any of the information we have collected about you, except as permitted or authorized by law.

How We Protect Your Information.  Under no circumstances do we provide any information we collect about you to telemarketers or other third parties that do not act on your behalf.  We restrict access to nonpublic personal information about you to only those employees who have a specific business purpose for accessing and utilizing this information.

All employees are trained in the importance of maintaining confidentiality and privacy. We maintain physical, electronic and procedural safeguards as part of a comprehensive risk management system that complies with federal regulations to protect against anticipated threats or hazards to the security of your information and to protect against unauthorized access and use of that information. Our employees may access information about you when needed to provide requested services, or in response to a legally valid outside request or order (such as a subpoena). In addition, our employees may also access information to exercise our rights under the law or pursuant to any agreement with you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Sharing Information with Third Party Service Providers. In some cases we enter into agreements with third parties to provide products and services to you on our behalf, or to jointly market products and services. In order to provide you with these products and services, we may disclose your information with other organizations.  For example, to make insurance products available to you we may share some of your personal information with the insurance companies that offer products.  However, to protect your privacy, we only do business with companies that agree in writing to maintain strong confidentiality protections, and before entering into relationships with such entities, we require them to agree to safeguard information and to comply with all applicable privacy laws.

Sharing Information as Legally Required or Permitted.  It is the Jack Smith Agency's practice to share information with its affiliates and non-affiliated third parties to the extent permitted by law. Because of the limited way we share information with non-affiliated and affiliated third parties, we are not required to provide you with the opportunity to opt-out from the disclosure of information to such third parties.

Protecting Children's Privacy. We do not knowingly solicit or collect data from children and will not knowingly market to children online. We recognize that protecting children's identities and privacy online is important and that responsibility rests with us and with parents. 

The Jack Smith Agency website does not employ the use of cookies.  Consequently, when you visit our web pages, you are doing so anonymously, and can feel secure in knowing that your internet activity is not being tracked in any way. Select the highlighted link for more information on cookies.

Linking to Other Sites. We may provide links to other companies. All external links will open in a new browser window. Should you choose to access external web sites not controlled by the Jack Smith Agency, please note that we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these web sites we strongly urge you first to carefully study their Privacy Policies.  If you have any doubt as to their credibility, do not disclose any personal information.

Privacy complaints. If you have any concerns about our privacy practices, or if you feel your privacy rights have been compromised, you have  a legal right to file a complaint with the Jack Smith Agency. Please be assured that if you do file a complaint, it will be handled in a professional manner, and you will not be subject to any type of penalty for having done so.

Questions?...  We are required by law to provide you with this notice in order to inform and explain to you how we collect, use, and safeguard your personal information.  If you have any questions about this disclosure and/or our privacy practices as they relate to your use of the Jack Smith Agency website, you may call us @ (517) 542-2946 or email: jsagency@chartermi.net.