FWCI, FCGA, and FCIA
Customer Privacy Notice of Collection 

FACTS

WHAT DOES FRANK WINSTON CRUM INSURANCE HOLDINGS CORP. AND/OR ITS AFFILIATES DO WITH YOUR PERSONAL INFORMATION?

Why?

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. This information can include:

Social Security Number and contact information, name or alias, account Information, FEIN, date of birth, driver’s license information, driving record, VIN, income information, payroll, tax, insurance claim history, payment history, claim and loss history reports, business records, property records, and policy information.

How?

All financial companies need to share consumers’ personal information to run their everyday business. In the section below, we list the reasons financial companies share their consumers’ personal information; the reasons we choose to share; and whether you can limit this sharing.

 

Reasons we can share your Personal Information Does Frank Winston Insurance Holdings Corp. share? Can you limit this sharing?
 For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or other regulatory requests.   Yes No
 For our marketing purposes – to offer our products and services to you.   No Not Applicable
 For joint marketing with other financial companies   No Not Applicable
 For our affiliates’ everyday business purposes – information about your transactions and experiences.   Yes No
 For our affiliates’ everyday business purposes – information about your creditworthiness.   No Not Applicable
 For our affiliates to market to you   No Not Applicable
 For non-affiliates to market their products to you   No Not Applicable

 

To limit our sharing

Not applicable - We only share your information as permitted by law for everyday business purposes. If you are a new customer, we can begin sharing your information immediately for everyday business purposes from the date of the initial transaction. When you are no longer our customer, we continue to share your information as described in this notice.

Questions?

Call 1-800-393-0815, Option 21, or go to: https://www.fwcruminsurance.com/privacy-policy

Who we are

Who is providing this notice?

Frank Winston Crum Insurance Holdings Corp. and/or its affiliated companies, including Frank Winston Crum Insurance Company, FrankCrum General Agency, Inc., and FrankCrum Insurance Agency, Inc.

What we do

How does the Company protect my personal information?

To protect your personal information from unauthorized access and use, we implement security measures that comply with federal law. These measures include computer safeguards, secure files, and secure buildings.

How does the Company collect my personal information?

We collect your personal information, for example, when you:

  • Apply for insurance;
  • Pay insurance premiums;
  • File an insurance claim;
  • Submit information in furtherance of a claim;
  • Give us your income information; or
  • Give us your contact information.

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 creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing an account I hold jointly with someone else?

Not Applicable - We only share your information as permitted by law for everyday business purposes, and no opt-out is available.

Definitions

Affiliates

Companies related to common ownership or control. They can be financial and non-financial companies.

  • Frank Winston Crum Insurance Holdings Corp.
  • Frank Winston Crum Insurance Company
  • FrankCrum General Agency, Inc.
  • FrankCrum Insurance Agency, Inc.

Nonaffiliates

Companies not related to us by common ownership or control. They can be financial and non-financial companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other Important Information

For California Residents: 

We may share your information as described in this notice and as permitted by law. California's data privacy law provides additional privacy rights that may apply to you. To learn more about your California privacy rights, including rights under the California Consumer Privacy Act (CPRA), please review our California Consumer Privacy Notice available at:  https://www.fwcruminsurance.com/privacy-policy.

 

For Nevada Residents: 

We do not sell your covered information as defined under Nevada law. If you have any questions regarding our data sharing practices, you may contact us at privacy@frankcrum.com.

 

For Vermont Residents:

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.