Insurance Disclosure

THIS NOTICE CONTAINS IMPORTANT INFORMATION ABOUT THE INSURANCE PRODUCTS YOU MAY PURCHASE FROM THE DEFIANCE INSURANCE AGENCY, INC.

All products sold by the Defiance Insurance Agency, Inc. are:

1. NOT A DEPOSIT

2. NOT FDIC INSURED

3. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

4. NOT GUARANTEED BY THE BANK

5. MAY GO DOWN IN VALUE

 

Privacy Policy Notice
As of May 23,2001
Purpose of  This Notice

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed.  In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of the Defiance Insurance Agency, Inc.

1. We collect nonpublic personal information about you from the following sources:

   1. Information we receive from you on applications or other forms.

   2. Information about your transactions with our affiliates, or others.

   3. Information we receive from a consumer-reporting agency.

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

2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

3. As we have indicated in this Privacy Policy Notice, we collect certain nonpublic personal information about you, and we may disclose that information to certain non-affiliated third parties for purposes other than those expressly permitted by the Gramm-Leach-Bliley Act and the federal and state regulations implementing that Act.  If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures that are expressly permitted by the Gramm-Leach-Bliley Act and its implementing regulations).

4. We restrict access to nonpublic personal 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 nonpublic personal information.

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

6. In connection with the potential sale or transfer of its interests, the Defiance Insurance Agency, Inc. reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be the Defiance Insurance Agency, Inc. successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.