PRIVACY PRACTICES
What does Nixon Benefits do with your personal information?
Why?
Financial companies, including insurance brokers and consultants, choose how they share your personal information. Federal law gives consumers the right to limit some but not all such 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 type of personal information we collect and share depends on the product or service you have with us. This information can include data you give us or give the insurers or vendors we represent. The data collected and shared may change depending upon the type of policy or service purchased. For example:
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Applications may include information on assets, income, social security number, medical records, family data, address, employer(s), and account or policy data, etc.
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Data from an employer/benefit plan sponsor for a group product may include names, address, income, medical records, family data, job description, social security numbers, etc.
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Data collected from transactions and interactions include, protected health information, claim information, billing and payment history, beneficiary changes, ownership changes, etc.
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Products that require contact with 3rd Parties may include Consumer Reporting Agencies, physical examination services, Credit Agencies, etc.
How?
All financial companies need to share their clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their client’s personal information; the reasons Nixon Benefits chooses to share, and whether you can limit this sharing.
Reasons we could share your personal information:
Does
Nixon Benefits
share?
Can you limit sharing?
For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus.
Yes
No
For our marketing purposes –
to offer our products and services to you.
Yes
No
For joint marketing with other financial companies
No
No
For our Affiliates’ everyday business purposes-
Information about your transactions and experiences
No
N/A*
For our Affiliates’ everyday business purposes-
Information about your credit worthiness
No
Yes*
For Non-Affiliates to market to you
No
N/A*
*Nixon Benefits has no Affiliates and does not share your personal information with non-affiliates.
What We Do
How does Nixon Benefits protect my personal information?
We maintain physical, electronic, and administrative safeguards designed to protect your personal information. We restrict access to personal information to our representatives who need to know such information in order to provide you with the insurance services or products for which you have engaged us.
How does Nixon Benefits collect my personal information?
Personal information is collected when providing services for which you have engaged us to perform on your behalf, such as placing your insurance, providing you with insurance-related products, or servicing your accounts.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
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Sharing for affiliates’ everyday business purposes - information about your creditworthiness
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Affiliates from using your information to market to you
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Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Your Right to Review and Correct Your Personal Information
You may have the right to review your personal information that we can reasonably locate and retrieve, and to request that we correct, amend or delete any information which you view to be inaccurate.
To make a request to take any of these actions, or to ask any question about these rights, use the contact information at the end of this Notice.
Definitions
Affiliate
Companies related by common ownership or control. They can be financial or non-financial companies.
--Nixon Benefits has no affiliates.--
Non-Affiliate
Companies not related by common ownership or control. They can be financial or nonfinancial companies.
Nixon Benefits may need to transfer nonpublic personal information to unaffiliated 3rd parties to process and service a customer’s account(s) such as support help (Attorney’s, CPAs, TPAs, etc),service providers (physicians, dentists, hospitals, etc), insurance entities or HMOs through which you have coverage, group policy holders, government entities as required by law, etc.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Nixon Benefits has no formal joint marketing arrangements.
Other Important Information
You may have other privacy protections under some state laws. We comply with all applicable state laws as to information about you. See our Privacy Policy on our website for more information.
We reserve the right to update and modify this Privacy Notice without notice.
Questions?
Marilyn Curry, CFO
Nixon Benefits
620 Newport Center Drive, #1100
Newport Beach, CA 92660
Phone: 800-458-2186
Privacy@nixon-benefits.com
Nixon Benefits License: 0F00701