As a current customer of Mill Creek Agency, Inc., we would like to take this opportunity to both thank you for your business and to share with you the importance our agency places upon protecting the privacy of information we gather from you in accordance with applicable state and federal laws.

Mill Creek Agency, Inc. is a member of the financial services industry and, as such, our agency has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your information.  The following is the Mill Creek Agency's privacy policy regarding the customer information we collect.  Contained in this privacy policy you will find: 1) an explanation of the types of information the Mill Creek Agency, Inc. collects from our clients and the means used to collect such information, 2) an explanation of how the Mill Creek Agency, Inc. shares the information collected from our clients, 3) an explanation of how the Mill Creek Agency, Inc. protects client information, and 4) an opportunity for you to opt-out of certain types of information sharing which the Mill Creek Agency, Inc. engages.

The Mill Creek Agency, Inc. collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents.  The Mill Creek Agency, Inc. collects this necessary information from the following sources:

• Information we receive from you on applications or other forms.  This information may include, but is not limited to your name, address and date of birth.
• Information about our clients' transactions with us and our affiliates; this information may include, but is not limited to claims and payment history.
• Information we receive from consumer-reporting agency; this information may include, but is not limited to a driving record or insurance score report.

To collect customer information from the above-stated soures, the Mill Creek Agency, Inc. may use the following means of communication to gather information: written, in-person, telephone, facsimile, electronically and online.

Under certain circumstances, the law permits Mill Creek Agency, Inc. to disclose information that we collect (as described above) about you or others without your permission.  For example, Mill Creek Agency, Inc. may share client information with nonaffiliated third parties without your permission for the following reasons:

• Information that is necessary to service or process the insurance needs of our clients, in a  manner that is consistent with the usual and customary services provided by Mill Creek Agency, Inc. to its customers include but are not limited to underwriting, shopping the renewal, rating, placement and providing quotes for insurance that is germane to the coverage the customer places with our agency.
• Information that is necessary to protect the confidentiality or security of our clients' records.
• Information that is necessary to resolve client disputes or inquires.
• Information that is required by individuals or entities who are assessing our legal compliance.
• Information that is required for Mill Creek Agency, Inc. to comply with the law.
• Information requested by an actuarial or research organization for the purpose of conducting actuarial or research studies.
• Information that is necessary to protect against or prevent fraud, unauthorized transactions, claims or other liability.