PRIVACY POLICY
Effective Date: March 24, 2016

At the Larry Benson Insurance Agency (LBIA), protecting your privacy is important. We know you are interested in how we collect, use, share, and protect your information. We treat your personal information responsibly and provide you with choices about how we use and share it. This privacy policy describes the choices available to you regarding your personal information and how you can update this information provided on our web site http://lbensoninsurance.com

Information Collection
We collect information from you automatically through your use of our website, with cookies and similar technology, and when you provide information directly to us through our website. We have described these information collection practices in more detail below.

Information We Collect Automatically
We gather certain information automatically using cookies along with online technologies, such as beacons, tags, and JavaScript whenever you use our website, send us an email, or interact with our emails and advertisements. This information may include internet protocol (IP) addresses, browser information, internet service provider (ISP), referring and exit pages, operating system, session ID, date and time stamp, geolocation, and click stream data. We use this information to:

Conduct website analysis
Recognize your browser or device
Remember your preferences and interactions
Collect information about our website usage and email responses
Log activity on our website
Market products or services to you
Information We Collect Through Cookies and Similar Technology
LBIA uses third party cookies, beacons, tags, and JavaScript to collect anonymous information and technical data, like your internet protocol (IP) address, operating system, and session ID. Larry Benson Insurance Agency shares this information with our business partners to manage our online advertising and to recognize visitors’ computers and devices. This allows us to render relevant Nationwide or LBIA ads to you. This is referred to as behaviorally targeted or interest based ads. Our third party partners also use such technologies for website analysis and to manage the effectiveness of our ads placed on other websites. We do not store your name, address, telephone number, email address, or any sensitive personal information in these cookies and similar technologies. The companies that distribute our ads are only permitted to use or share your information for marketing Nationwide and/or LBIA products and services.

LBIA will share personal information with third parties only in ways that are described in this Privacy Policy. Each of the third parties that we use for our online marketing and tracking efforts should post a privacy policy that fully describes the advertising and data collection activities on their website. However, we cannot guarantee that all of these websites disclose this information.

Opting out of behaviorally targeted advertising
You can access TRUSTe's Advertising Choices website and submit opt-outs to prevent third parties from showing you targeted ads. Please note that you may continue to see generic or non-targeted ads from these companies after you opt-out.

How to control cookies
All major internet browsers allow you to block or delete cookies through the privacy features in your browser. Please note that if you block cookies then you may not be able to use the full functionality of this website.

Do Not Track
Please note that our system may not recognize Do Not Track headers or requests from some browsers.

Web Links and Widgets
Other companies or organizations may have links to their websites on our web pages. Our website may also include social media widgets, such as the “share this” buttons and links to third party websites, like Facebook and Twitter. These features may collect your IP address, the page where you visited on our site, and may place a cookie to enable these features to function properly. We are not responsible for how these third parties collect, use, disclose or secure the information that you provide to them. Please read their privacy policies so you can learn how their website uses your information.

Information We Collect Directly Through Our Website
We collect your personal information on our website when you:

Ask a question
Use tools and calculators
Apply for products or services Complete a form
Conduct transactions
Apply for a job
Send email to us
Subscribe to receive email from us
Complete website surveys
Personal information is any information that identifies you and describes your relationship with us. Some examples of the personal information that the Nationwide may collect include:

Name, address, and Social Security number
Assets and income
Property address and value
Account and policy information
Driver's license number
Financial information
Credit reports and other consumer report information
Information from applications and transactions
Any information you provide us
Public information

If you apply for a product or service, we may collect information from your consumer reports, such as your credit report or motor vehicle report. We may use an "insurance score." An insurance score uses information from your credit report to help predict your future claims. Typical items that could affect an insurance score include payment history, number of revolving, new and collection accounts, bankruptcies, and foreclosures.

You may request the credit report source. Each Nationwide company has different contact information and instructions for requesting this information, so you will want to review the specific privacy policy for the Nationwide product you own. We have included links to these products and companies in the box labeled "Privacy Statement for Your Specific Product."

In rare instances, we may also need to collect your medical information from a medical provider. However, we will not use or share your medical information for marketing, unless you give us your permission.

We retain your personal information while your account is active or as needed to provide you services, such as quoting, re-quoting, and account management. We also retain and use your information as required or permitted by law to comply with our legal obligations, resolve disputes, and enforce our agreements.

Information Sharing
Information We Share for Servicing
LBIA may share your personal information only as described in this Privacy Policy. We will not sell your information.

When you buy a product, we may share your information with other Nationwide companies or our business partners to service your product, to conduct research and analytics, to develop our website, and to conduct surveys. They may track and keep aggregated visitor information. We may also share your information with your agent, investment advisor, investment company, broker-dealer, or transfer agent affiliates. They use your information to manage your policy or account.

We also share and disclose your information for everyday business and servicing purposes and as permitted by law. You cannot opt out of these. Some examples include:

Mailing your statements or processing transactions that you request
As required by law, such as responding to a subpoena or governmental requests
When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request
Disclosing your information in connection with the sale or purchase of a business. If Nationwide is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information
Information We Share for Marketing
We want our customers to have choices about how and when they do business with us. So Nationwide sells insurance, investment, and banking products through many different sales channels, such as agents, the Internet, or over the phone. All of these different sales channels make it easy for you to buy our products and interact with us. Some examples of our sales channels include:

Nationwide agents who sell Nationwide auto, home and life insurance
Independent insurance agents who sell products from many different insurance carriers
An independent broker-dealer who sells Nationwide annuities
Your bank, or another affinity group that you belong to, might offer Nationwide products
Your employer may offer a Nationwide retirement plan
Each sales channel has a specific privacy statement, which explains how we use your information, including how we share it for marketing purposes. To learn more, select your privacy statement from the list included in the box labeled "Privacy Statement for Your Specific Product."

Choices to Limit Sharing
You can ask us not to share your information with other Nationwide companies or our business partners to market new products to you. Please remember, we offer many different types of products and services. You may not want to opt out if you would like to learn about these products directly from one of our companies. Please call us toll free at 1-866-280-1809 to opt out of this sharing. You may opt out at any time and we will respond within a reasonable timeframe.

If you have already opted out, you don't need to opt out again.

If you don't want your registered representative to take your information to a new broker-dealer, please call us toll free at 1-877-233-3370.

Access to Personal Information
If you are a customer, you can ask us for a copy of your personal information and correct or change it if necessary. Each of our companies has different contact information and instructions for requesting this information. You'll want to review the specific privacy policy for the product you own for these instructions. We have included links to these products and companies in the box labeled "Privacy Statement for Your Specific Product."

Confidentiality and Security
The security of your personal information is important to us. We use reasonable physical and technical safeguards to protect your personal information, both during transmission and once we receive it. When you enter sensitive information (such as a Social Security number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL.) No method of transmission over the Internet, including via email, or method of electronic storage is 100% secure so, we cannot guarantee its absolute security. You may contact us at BENSONL1@nationwide.com if you have any questions or concerns regarding the confidentiality and security of your information.

We limit access to your personal information to those who need it to do their jobs. The law requires our business partners to use your personal information only for our purposes. They may not share it or use it in any other way. We comply with all federal and state data security laws.

Changes to Privacy Policy
We may update this privacy policy to reflect changes in our information practices. If we make material changes to our privacy policy, we’ll post the changes right here and notify you by posting a notice on this site prior to the change becoming effective. We encourage you to review this page for the latest information on our privacy practices.

If you have questions or complaints regarding our privacy policy or practices, please contact our office at 1-209-229-1096.

Confidentiality for Victims of Domestic Violence
New York State Insurance Law 2612 prohibits insurers from discriminating against victims of domestic violence. This law requires insurance companies to comply with valid orders of protection against an insured or anyone covered under an insured’s policy. While the order is in place, the insurance company is prohibited from sharing the address and telephone number of the protected persons, or of any person or entity providing covered services to the protected person. If a child is the protected person, the child’s parent or guardian must assert these rights.

LBIA's Obligation
Except in instances where express consent of the requestor is given, LBIA will not disclose to the policyholder or another insured covered under the policy the: address, telephone number or any other personally identifying information of the covered individual or children residing with the covered individual. LBIA is also prohibited from disclosing any information relating to abuse including the nature of the health care services provided to the covered individual. This information could include the: name, address, and telephone number of the provider of the health care services; or any other information that could lead to the discovery of the above information.

Where applicable, you have the ability to further protect yourself by creating a new online account with new credentials and by placing your policy in your own name.

Nationwide Companies
Nationwide is one of the largest insurance and financial services companies in the world, focusing on domestic property and casualty insurance, life insurance, retirement savings, asset management and strategic investments. For a list of Nationwide subsidiaries and affiliates, please visit nationwide.com/affiliated-companies.jsp or call us at 1-877-ON YOUR SIDE® (1-877-669-6877).

This privacy policy was updated on February 18, 2016

CONTACT US

If you have any questions regarding this Privacy Policy, please contact the owner and operator of this website business at:

Larry Benson
Email: BENSONL1@nationwide.com