Privacy Policy Notice

as of July 1, 2001 Our Privacy Policies and Notices

1. Information that we
   collect:

    

   1. Categories of
      information collected and Sources From Which We collect It. We
      collect personal and privileged information about you from the
      following sources:

       

      • Information that
        you provide us on applications and other forms.

      • Information about
        your transactions with us from the insurance companies we
        contact to underwrite your insurance or bonds.

      • Information we
        receive from Arizona' s Motor Vehicle Division (MVD) or
        other consumer reporting agencies.

      • Information
        contained in medical records or from medical professionals
        that is related to insurance claims.

       

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

       

   2. Persons From Whom
      Information is Collected.

       

      We may collect
      personal and privileged information from individuals other than
      those proposed for coverage.

       

2. 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 reasons
   described below:

    

   1. To a third party if
      the disclosure will enable that party to perform a business,
      professional or insurance function for us.

   2. To an insurance
      institution, agent, or credit reporting agency in order to
      detect or prevent criminal activity, fraud, or misrepresentation
      in connection with an insurance transaction.

   3. 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.

   4. To a medical care
      institution or medical professional in order to verify coverage
      or benefits, inform you of a medical problem of which you may
      not be aware, or conduct an audit that would enable us to verify
      payment.

   5. To the Arizona
      Department of Insurance or other insurance regulatory authority,
      law enforcement, or other governmental authority in order to
      protect our interests in preventing or prosecuting fraud, or if
      we believe that you have conducted illegal activities.

   6. To a group
      policyholder for the purpose of reporting claims experience or
      conducting an audit of our operations or services.

       

3. Your right to access
   and amend your personal and privilege 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 with 2 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, amendment or deletions of any information that is in
   our possession. The procedures that you must follow to request
   access to or an amendment of your information are as follow:

    

   To obtain access to your
   information: You should submit a request in writing to Minard-Ames
   Insurance Group, 4646 E. Van Buren St, Ste 200, Phoenix, AZ 85008.
   The request should include your name, address, social security
   number, telephone number, and the recorded information to which you
   would like to 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
   copies that you have requested.

    

   To correct, amend. or
   delete any of your information: You should submit a request in
   writing to Minard-Ames Insurance Group, 4646 E. Van Buren St, Ste
   200, Phoenix, AZ 85008. 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 corrections, amendment or deletion, or
   that we refuse to do so and the reasons for the refusal, which you
   will have the opportunity to challenge.

    

4. Our practices
   regarding information confidentiality and security:

    

   We restrict access to
   personal and privileged 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
   personal and privileged information.

    

5. 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, and judgment upon the award
   rendered by the arbitrator(s) may be entered in any court having
   jurisdiction thereof.