Summary

This section summarizes our privacy practices.

• We gather information from you, your transactions with us, and outside sources.
• We use your information only to conduct our business and provide insurance to you.
• We will share your information with selected representatives, the general agents, the insurance companies for quoting and other insurance purposes.
• We will not share your information with other companies for their marketing purposes without your consent.
• You may review and correct your information .

We restrict access to your NPI to our employees and others who we feel must use it to provide our products and services. Their use of NPI is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic and procedural safeguards to protect your NPI.

How can I review and correct information you have about me?

To review information we have about you, send a written request to Customer Service, Universal 1 st Insurance Services, 1209 N. Central Ave., #201 , Glendale , CA 91202 . You must describe the kind of information you want to review. Include your full name, address, policy number (if applicable), and either your date of birth, Social Security number or driver's license number. Within 30 business days, we will describe what is available and how you may request corrections. We will also name anyone we show as having received the information within two years prior to your request. Finally, we will identify the companies that have provided Consumer Report Information about you.

You may review the information at our offices or receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.

To correct information about you, send a written request as described above, explaining your desired correction. Within 30 business days, we will either make the requested correction or tell you why we won't. We cannot correct Consumer Report Information, such as your credit report. To do this, you must contact the consumer reporting agency that provided it.

If we make your requested correction, we will notify you in writing. We will also notify anyone named by you who may have received the information within the previous two years. If required by law, we will also notify others who may have given it to or received it from us. If we refuse to make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file. It will be sent to the same persons to whom we would send a copy of any correction or change.

Is there additional information for Web site visitors?

Yes. When you visit our Web sites, we use the information we collect to provide services to you. We also use it to understand what you want so that we can enhance your online experience. Information that does not identify you, or that you give us for contests and surveys, may be used for marketing purposes.

Web Site NPI helps us understand what you want so that during your next visit to our Web site, your experience will be even better. For example, if you start an insurance quote on our Web site, but decide to finish it later, we will save your NPI so you can pick up where you left off.

We will send our policyholders a written privacy policy with any changes at least once a year. Web site visitors who are not policyholders should refer to the date at the top of this notice to see if it has been updated.

Why do you ask for my e-mail address?

When you quote or buy insurance on our Web site, we collect your e-mail address so that we can send you e-mails concerning your transactions with us, and other information we think you’ll find useful.

To ensure you get our e-mails, our service provider or we may receive confirmations when you open them or click through e-mail links. These confirmations may also show whether your e-mail application supports graphics, so we can tailor our messages to you.

We will share your e-mail address with an agent. We will not share your e-mail address with other companies for their marketing purposes without your consent.

What about Web site security?

Our security measures help ensure that your data is secured and encrypted, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs.

We use a secure server and security protocol to safeguard information you provide during the purchase process. Our secure server uses a Secure Sockets Layer (SSL) to interact with you when you provide NPI during the purchase process. We handle your NPI via 128-bit encryption. Every secure page on our Web sites has a digital certificate by RSA Data Security/Secure Server CA. This is shown via the site certificate that resides on all secure pages. To view it, click on the image of the "closed lock" or the "solid key" on the bottom of your browser window. A small frame displaying security information will appear. Click on "subject" to verify that you are on our site. Click on "Issuer" to verify the site certification authority.

What about links to other Web sites?

Our Web site contains links to other sites that are not ours. These links are for your convenience. We make no warranties or representations about other Web sites. You should read the privacy and security policies of these sites.