YOUR PRIVACY - INFORMATION GATHERING

On occasion, in addition to the information you have already provided for us, we will need additional information or will want to verify particular information. A NOTICE OF INSURANCE INFORMATION PRACTICES will be provided to assist you in understanding how we gather information and our compliance with privacy laws.

In addition, Federal law (Fair Credit Reporting Act) requires that we provide certain procedural information. As a part of our normal underwriting procedure for processing applications, renewals and reinstatements, an investigative consumer report may be made, as to your insurability. This inquiry includes information obtained through personal associates, financial sources, friends, neighbors, or others with whom you are acquainted and typically includes information as to your character, general reputation, personal characteristics and mode of living. The information gathered may in certain circumstances be disclosed to third parties without authorization. You have the right to make a written request within a reasonable period of time for a complete and accurate disclosure of additional information concerning the nature and scope of the investigation.

DISHONORED PAYMENT OF INITIAL PREMIUM

If your initial premium payment is dishonored by the bank on which payment is drawn, NO contract of insurance has existed.

NOTE: THE INSURER MAY ELECT TO CANCEL COVERAGE AT ANY TIME DURING THE FIRST 59 DAYS FOLLOWING ISSUANCE OF THE COVERAGE FOR ANY REASON WHICH IS NOT SPECIFICALLY PROHIBITED BY STATUTE.

Delos Insurance Company  COMPANY

NOTICE OF INSURANCE INFORMATION PRACTICES

(Minnesota)

In order to evaluate your application for insurance, we occasionally need certain additional information. Most of the information you have already provided us. The purpose of this notice is to inform you of your privacy rights concerning information we gather from other sources and our compliance with privacy laws

What Type Of Information Is Collected About You

On occasion, we will need additional information or will want to verify particular information.   Therefore, we gather additional information from other sources, such as motor vehicle records, consumer reports and claim reports.

                Motor Vehicle Records

When you apply for, renew, change or reinstate your auto insurance, we order a copy of your motor vehicle record from your state’s motor vehicle department. Your motor vehicle record contains information about accidents and violations of state traffic laws.

Consumer Reports

When you apply for, renew, change or reinstate your auto insurance, we may order a consumer report from an outside consumer reporting agency. The consumer report contains information about credit history. If we take adverse action on your policy because of information contained in your consumer report, we will provide a written notice to you with the name and address of the consumer reporting agency. You have the right to request a copy of your consumer report and correct any information contained in the report by contacting the consumer reporting agency.

Claim Reports

When you apply for, renew, change or reinstate your auto insurance, we may order a claim report from an outside insurance-support organization. This organization maintains a database which includes information about insurance claims you have had in the past. We will also submit information about your claims with us to this organization.

Disclosure Of Personal Information

We usually do not disclose information about you to others without your consent. However, in some circumstances we may disclose information to others without your prior authorization. The most common disclosures are to the following persons:

·          Other insurance companies, agents, or consumer reporting agencies in connection with any application, policy or claim involving you.

·          Persons who need information to perform a professional, business or insurance function for us, provided they agree not to disclose the information further without your written authorization.

·          Persons or organizations, including law enforcement agencies, who need information to determine eligibility for insurance benefits or payments; to detect or prevent criminal activity, fraud, misrepresentations; or material nondisclosure in connection with an insurance transaction.

·          Medical professionals to verify your insurance coverage or to verify the individuals treated by the medical professional.

·          Governmental authorities to determine your eligibility for government health benefits.

·          Certificate holders or policyholders to provide information about the status of an insurance transaction.

·          Lien holders, mortgages, assignees, lesser, or other persons having a legal or beneficial interest in your policy, provided the information disclosed is limited to that which is reasonably necessary to permit such person to protect its interests in the policy.

·          Adjusters, appraisers, or investigators for the purpose of investigating or settling claims.