Privacy Policy Notice

as of July 2011

Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of North Carolina, 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 DHNT Insurance Agency. The laws of this state further require that we inform you that we may not share your personal information with a non-affiliated third party for any purpose that is not specifically authorized by law unless we obtain your affirmative permission

Information we collect:
1. Categories of Information Collected and Sources From Which We Collect It. We collect nonpublic personal information about you from the following sources:
            Information we receive from you on applications or other forms.
            Information about your transactions with us, our affiliates or others
            Information we receive from a consumer reporting agency.
            Information we receive from medical records or medical professionals.
            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 nonpublic personal information from individuals other than those prposed for coverage.

3. 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 that information, you should be aware that:
- You have the right to request to be interviewed in connection with the preparation of such a 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 reasons described:
To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
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.
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 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 treatment.
To an 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.
To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
To an actuarial or research organization for the purpose of conducting actuarial or research studies.