Privacy Policy Notice

(As of 6/29/01)

PURPOSE OF THIS NOTICE

Title V of the Gramm- Leach-Bliley Act (GLBA) and the laws of the State of Massachusetts, 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

C. Richard Powers Insurance Agency.

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect:

A. 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 medical records or medical professionals.

Information that you voluntarily provide through our website for us for purposes of providing a quote or application for insurance.

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

B. Persons From Whom Information is Collected

We do not collect nonpublic personal information from anyone other than the individual(s) proposed for coverage.

2. Information we may disclose to third parties:

We use the information we collect about you, including the nonpublic personal information, only for purposes of effecting, administering, enforcing and servicing your insurance with us. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

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

To obtain access to and/or correct your information: You should submit a request in writing to the C. Richard Powers Insurance, 284 North Ave., Weston, MA 02493. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access to, or the specific information in dispute, and the identity of document or record that contains the disputed information. 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 the copies that you have requested; and/or to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

4. Our practices regarding information confidentiality and security:

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

6. Reservation of the right to disclose information in unforeseen circumstances:

In connection with a potential sale or transfer of its interests, C. Richard Powers Insurance Agency and its affiliates [if any] 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 C. Richard Powers Insurance Agency successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.