Privacy Policy
| Facts | What does AB Insurance (Atlantic Bay) and its affiliates do with your personal information? |
|---|---|
| Why? | Insurance and Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect, and share depend on the product or service you have with us, or one of our affiliates. This information can include:Social Security number and employment historyAccount balances and payment historyCredit history and credit scoresInformation from third parties such as state motor vehicle departments, insurance carriers and claims information |
| How? | All insurance and financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons insurance and financial companies can share their customers’ personal information; the reasons Atlantic Bay and its affiliates chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Atlantic Bay and its affiliates share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), policies, and coverage, respond to insurers queries to process policy changes or claims | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | Yes |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don’t share |
| To limit our sharing | Call us toll free at (866) 877-3143 Please note: If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. | |
| Questions? | Call (866) 877-3143 | |
| Who we are | |
|---|---|
| Who is providing this notice? | This notice is provided by AB Insurance L.L.C. and its affiliates, as listed in the section below titled, Atlantic Bay Mortgage Group and its family of companies |
| What we do | |
|---|---|
| How does Atlantic Bay and its family of companies protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Our employees are committed to safeguarding customer information and preventing its unauthorized access, disclosure, or use. In accessing your personal information, our employees are bound by the Code of Ethics Policy and our information security standards. |
| How does Atlantic Bay and its family of companies collect my personal information? | We collect your personal information, for example, when you:request an insurance policy for home, auto, or boatopen an account or deposit moneyapply for a loan or pay billsprovide your contact informationWe also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
| Why can’t I limit all sharing? | Federal law gives you the right to limit only:sharing for affiliates’ everyday business purposes—information about your creditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.] |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.Our affiliates include financial companies with an Atlantic Bay name and other financial companies such as mortgage companies, title agencies, and insurance agencies. For a list of our affiliates, see the section below. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.Atlantic Bay Mortgage Group and its family of companies does not share with nonaffiliates so they can market to you. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you:Our joint marketing partners include financial companies that may provide products or services on our behalf. |
| Atlantic Bay Mortgage Group and its family of companies |
|---|
| Atlantic Bay Mortgage Group, L.L.C.; Mullinix Mortgage Group; AB Insurance LLC, Atlantic Carolinas Title LLC. |
