PRIVACY & DISCLOSURE STATEMENT

PRIVACY POLICY & PRACTICES

KSI and its affiliates have provided for the insurance needs of our customers for over 100 years. In providing innovative solutions and services related to your insurance needs, KSI collects certain personal information about you, your business and or your employees. At KSI, we respect the privacy of our customers. Laws regulate our personal information handling practices, and this Privacy Policy describes those practices.

KSI PRIVACY POLICY

This Privacy notice describes our information practices and policies. It summarizes our approach regarding the collection disclosure and confidentiality of nonpublic personal financial or health information that we maintain about you, your business or your employees. We are committed to protecting your privacy.

TYPES OF INFORMATION WE COLLECT

We may collect personal information from a variety of sources, including:

• Information that comes from you, your business or your employees during the application process.
• Information regarding your transactions with us, our affiliates or others
• Information obtained during conversations with you or observed during visits to your premises.
• Information gathered during the course of managing a claim for you (medical bills, provider information, and medical records.)
• Information that we receive from third parties, such as consumer reporting agencies.

INFORMATION WE DISCLOSE TO THIRD PARTIES

The information that we collect (noted above) is used to make insurance or investment related decisions. This information is sometimes shared as permitted by law with KSI affiliates and non-affiliated third parties. Disclosures that are permitted by law include, but are not limited to, disclosures that are necessary to service your account, investigate and resolve claims, comply with state and federal regulatory requests or demands to process transactions that you requested.

To whom we make such disclosure depends on the product or service requested but may include:

INFORMATION SECURITIES

We restrict access regarding your non-public personal and health information to those employees who could provide products or services to you or on your behalf. We maintain physical, electronic and procedural safeguards to keep your personal information private.

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 may be entered in any court having jurisdiction thereof.

WHO TO CONTACT REGARDING PRIVACY MATTERS

You can contact the office manager between the hours of 8:30AM - 4:30PM. Click here for a list of our office locations and contact information.

Please include your name and policy number in any correspondence to us.

Disclosure Statement

These web pages outline the services and products offered by Keller Stonebraker Insurance, Inc., Ellicott City, MD, USA. Nothing in this website constitutes a policy, binder or agreement to provide coverage. All services and products outlined in this website are subject to change without notice. KSI is not licensed to sell insurance products in every state. This website is not an advertisement to sell insurance products in any state other than those noted as "Licensed States". This website is not an advertisement to sell insurance products in any state where such advertisement or distribution is prohibited by law.

KSI owns the design of and information contained in this website. Any trade names, trademarks or service marks contained within this Website that are not marks of KSI are marks of their respective owners.

This website provides links to other Internet sites that may be of interest to you. The provision of these links does not imply that we are affiliated or associated with any products or services of any third party. Any use of these links by you is subject to the terms and conditions that exist between you as the user and the party that owns the linked site. KSI assumes no responsibility for the information contained in any third party linked site.

Information contained in the KSI Web site may include technical inaccuracies or typographical errors. KSI does not warrant or guarantee that any information transmitted to its server will remain private. All information contained within this Web site is provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for any particular purpose and warranty against infringement. In no event shall KSI or its affiliates be liable for any lost profits or damages, including direct, indirect, consequential, exemplary, special or any other type of damages, arising out of or in connection with the use of any information provided in the KSI Web site, even if we have been advised of the possibility of such damages.

Licensing States (Last Updated 1/1/09)