Insurance / Financial Privacy Notice

Facts — What does Centennial Insurance do with your personal information?

Insurance transactions require information about consumers and applicants. Federal law and state insurance privacy laws give consumers rights regarding certain nonpublic personal financial and health information. This notice explains how Centennial collects, uses, discloses, and protects that information.

Why can Centennial collect my personal information?

Depending on the transaction, Centennial may collect information to:

• respond to your request for insurance information or an insurance quote;
• process, submit, place, service, or renew insurance;
• verify identity and prevent fraud;
• comply with licensing, sanctions, underwriting, carrier, regulatory, legal, and recordkeeping requirements; and
• perform other activities permitted or required by law.

What personal information does Centennial collect?

Examples may include:

• name, address, phone number, email, date of birth, and other identifiers;
• insurance application and policy information;
• income, financial needs, beneficiary, ownership, payment, or other financial information relevant to a requested insurance transaction;
• health or medical information relevant to underwriting where lawfully collected;
• information from insurers, general agencies, consumer reporting agencies, service providers, public records, or other sources where permitted; and
• transaction, claims, policy, service, and communication history.

The information collected depends on the product, state/territory, carrier, and transaction.

How does Centennial use or disclose this information?

Centennial may disclose nonpublic personal information as permitted by law to:

• insurers, reinsurers, general agencies, IMOs, MGAs/MGUs, wholesalers, underwriters, and other insurance-market participants involved in the requested transaction;
• licensed producers and authorized staff;
• service providers performing functions on Centennial's behalf under confidentiality and security obligations;
• regulators, courts, law enforcement, auditors, professional advisors, or other persons where required or permitted by law; and
• other persons at your direction or with your authorization.

Centennial does not sell nonpublic personal information for money and does not disclose nonpublic personal financial or health information to nonaffiliated third parties for their own marketing except if separately disclosed and permitted by law.

Mobile and SMS information

Mobile telephone numbers, SMS/MMS opt-in records, and messaging consent are not sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

Health information

Centennial discloses nonpublic personal health information only as permitted by applicable insurance privacy law, with authorization when required, or as otherwise legally permitted to process the insurance service you requested.

How does Centennial protect my personal information?

Centennial uses administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including access controls, secure systems and approved service providers. Sensitive documents should be submitted through Centennial's designated secure workflow.

Your choices and rights

Depending on applicable law, you may have rights to access or correct certain information, request deletion where permitted, restrict certain disclosures, withdraw authorization, or receive additional notices. Some information cannot be deleted or restricted when retention or disclosure is required or permitted for insurance, fraud prevention, legal, regulatory, or transaction purposes.

To submit a request, contact support@centennialinsurance.org, (719) 666-6650, or https://centennialinsurance.org/privacy/#submit-a-request.

Definitions

Nonpublic personal information generally means personally identifiable financial or insurance information about a consumer that is not publicly available.

Affiliate generally means a company related by common ownership or control.

Nonaffiliated third party generally means a company not related to Centennial by common ownership or control.

Who is providing this notice?

Centennial Insurance LLC, doing business as Centennial Insurance. If additional affiliated licensees will jointly provide this notice, identify each legal entity here before publication.

Contact

Centennial Insurance
Centennial Insurance LLC
19751 Mainstreet, Parker, CO 80138
support@centennialinsurance.org
(719) 666-6650

Implementation note: This draft assumes Centennial does not disclose nonpublic personal information to nonaffiliated third parties for their own marketing in a manner that creates an opt-out right. If actual data-sharing practices differ, this notice must be revised and any legally required opt-out notice/process added before use.