PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of Connecticut generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and the laws of this State, we are providing you with this document, which notifies you of the privacy policies and practices of the Tooher-Ferraris Insurance Group.

WE PROTECT YOUR PERSONAL INFORMATION BY:

1. Using physical, electronic and procedural safeguards to protect your personal information from unauthorized access or use
2. Training employees to safeguard personal information and restricting access to those who need it to perform their job functions

INFORMATION WE COLLECT:

A) Categories of Information Collected and Sources from Which We Collect It

1. Information we receive from you on applications or other forms
2. Information about your transactions with us or others
3. Information we receive from a consumer reporting agency.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

B) Persons From Whom Information Is Collected:

We do not collect nonpublic information from anyone other than the individual(s) proposed for coverage.

C) Information From Credit Reports Or Investigative Consumer Reports:

If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we do request such information, you should be aware that:

• You have the right to request to be interviewed in connection with the preparation of such report.
• Upon request, you are entitled to receive a copy of the report.
• The information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.

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:

• To an insurance institution, agent, or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you.
• To an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud.
• Courts and government agencies in response to court orders or legal investigations.

YOUR RIGHT TO ACCESS AND AMEND YOUR PERSONAL INFORMATION;

You have the right to request access to the personal information that 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 years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our 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 as follows:

To obtain access to your information you should submit a request in writing to Mr. Eric P. Ferraris, Principal. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.

To correct, amend or delete any of your information you should submit a request in writing to Mr. Eric P. Ferraris, Principal. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 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 that refusal, which you will have the opportunity to challenge.

OUR PRACTICES REGARDING INFORMATION CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

1) Our Policy Regarding Dispute Resolution

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

2) Reservation Of The Right To Disclose Information In Unforeseen Circumstances

In connection with the potential sale or transfer of its interests, Tooher-Ferraris Insurance Group, Inc. and its affiliates (if any) reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that 1) concentrates its business in a similar practice or service; 2) agrees to be Tooher-Ferraris Insurance Group, Inc.’s successor in interest with regard to the maintenance and protection of the information collected and 3) agrees to the obligations of this privacy statement.