CGA Associates Privacy Policy

This website is owned and operated by CGA Associates. The trust of our customers is our most valuable asset.

We safeguard that trust by keeping nonpublic personal information about customers in a secure environment and using that information in accordance with this Privacy Policy.

This Privacy Policy includes examples of the types of nonpublic personal information we collect and the kinds of companies with whom we share such information. These examples are illustrative and should not be considered a complete inventory of our information collection, use, and sharing practices.

Please note that this Privacy Policy will not apply to your relationships with other financial service providers, such as banks, finance companies, mortgage companies, independent insurance agents, and insurance companies that are not controlled by us. Their privacy policies will govern how they collect, use, and disclose personal information that you allow them to access.

However, independent agents contracted with CGA Associates have agreed never to sell, transfer, assign, or give away your personal information to any other person or organization and to use this information only for the purpose of providing the financial services you have requested.

Information We May Collect
We may collect nonpublic personal information about you from the following sources:

Information we receive from you (or that is provided to us on your behalf) on applications and other forms, such as your name, address, telephone number, employer, and income.

Information about your transactions with companies affiliated with CGA Associates, such as your name, address, telephone number, age, insurance coverage, transaction history, claims history, and premiums.

Information collected by nonaffiliated financial services providers that respond to your requested transaction, including information about the products or services you purchase.

Information you provide to us on applications or from health care providers, such as doctors and hospitals, to determine your past or present health condition. Health information will be collected as we deem appropriate to determine eligibility for coverage, to process claims, to prevent fraud, and as authorized by you, or as otherwise permitted or required by law.

Site Usage – Cookies
Our websites also gather anonymous information and demographic information, which does not personally identify you. We use this information to analyze our site usage patterns, and we may share this information with third parties for marketing reasons. Typically, this information is collected through "traffic data" and may entail the use of "Cookies," "Internet Protocol" addresses, or other tags or numeric codes used to identify a computer. Again, any disclosure of this demographic information will not reveal any personally identifiable information about specific users.

A ‘cookie’ is a message given by a web server to an Internet web browser. The browser stores the message in a small text file on the same drive that the browser is installed on. The message is then resent to the server each time the browser requests a page from that server.

We do not use cookies to track user’s aggregate data from sites other than our own. The only cookie-based data we track is activity on our own site concerning site usage and demographics. A user must have cookies enabled in order to use certain restricted features of the site, such as saving personal data so that a user does not have to re-enter it each time they visit our site or request a quote.

Information We May Disclose and To Whom We May Disclose Information
THE NONPUBLIC PERSONAL INFORMATION WE MAY COLLECT AS DESCRIBED ABOVE MAY BE DISCLOSED TO THIRD PARTIES IN ORDER TO DELIVER PRODUCTS AND SERVICES TO YOU, PROVIDE CUSTOMER SERVICE, OR ADMINISTER YOUR ACCOUNT

Disclosure Permitted by Law
We may disclose all of the nonpublic personal information described above, as permitted by law. For example, we may use affiliated and nonaffiliated third parties to perform services for us, such as providing customer assistance, handling claims, protecting against fraud, and maintaining software for us.

We also may disclose information in response to requests from law enforcement agencies or State insurance authorities.

Disclosures for Joint Marketing and Servicing
In addition, we may disclose all of the nonpublic personal information we collect as described above, with the exception of health information, to companies that perform marketing services on our behalf (for example, financial service providers, such as banks, and credit card issuers; non financial companies, such as direct marketers and mail houses; and others, such as membership organizations) or to other financial institutions, such as banks and credit card issuers, with whom we have joint marketing agreements. We also may share such information among the affiliated companies of CGA Associates to perform marketing services on our behalf or to offer you other products and services that we think may be of interest to you.

Our Security Procedures
We restrict access to nonpublic personal information about you to those employees whom we determine have a legitimate business purpose to access such information in connection with the provision of products or services to you. We employ security techniques designed to protect our customer data. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We provide training and communications programs designed to educate employees about the meaning and requirements of our strict standards for data security and confidentiality.