Why Do Gabi and its Affiliates Collect Non-Public Personal Information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What Do Gabi and its Affiliates Do With Non-Public Personal Information?
To provide you with insurance products and services, Gabi may collect or obtain Gramm-Leach-Bliley Act (“GLBA”) non-public personal information (“NPI”) through an interaction with you, an affiliate, or a non-affiliated third party, or automatically from your computer or device. The types of NPI we collect depends on the product or service you expect from us and may include:
- Information that you submit to Gabi in applications of other forms, such as your name, address, phone number, date of birth, social security number, employment, and assets.
- Information regarding your transactions or history with Gabi, our affiliates, or our business partners, including transaction history, policy coverage, payment history, and claims history.
- Information provided to Gabi by third parties such as your bank(s), other insurer(s), as well as credit reporting agencies or government agencies for the purpose of verifying the accuracy of our records.
How We Share Non-Public Personal Information
We may share some of the NPI as follows:
| Reasons we can share your personal information | Does Gabi share? | Can you limit this sharing? |
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | YES | NO |
| For our marketing purposes – to offer our products and services to you | YES | NO |
| For joint marketing with other financial companies | YES | NO |
| For our affiliates to market to you | NO | We don’t share |
| For nonaffiliates to market to you | NO | We don’t share |
We may also disclose NPI with our Affiliates in order for our Affiliates to provide services at our direction and on our behalf, or in connection with a proposed or final sale or merger of insurance business or for study purposes, but such disclosure, if any, is made confidentially and the recipient is bound by nondisclosure and use restrictions.
How We Protect Non-Public Personal Information
We take reasonable steps to protect the privacy of your NPI by restricting access by our personnel on a need-to-know basis in connection with our providing services to you and by safeguarding it from unauthorized individuals by limiting access to our databases. We give access only to employees who need to know the NPI to provide insurance products or services to you.
Although Gabi uses administrative, technical, and physical safeguards to protect the confidentiality and security of your NPI, it should be understood that we cannot guarantee complete security or accuracy of all customer information. We ask that you assist our security efforts by maintaining the privacy of all computer passwords that you use to connect with Gabi and to encrypt confidential information transmitted to us over the internet.
Applicability of Gabi Practices
Our practices described above regarding NPI apply to our former, current, and future customers.
Retention Period for Non-Public Personal Information
We maintain NPI about you for as long as we provide products or services to you. We may maintain your NPI for a longer period if necessary for related business activities or as required by law. For our former customers, your NPI is subject to the same security protections, as well as the same use and disclosure restrictions, as is our current customers’ NPI. When NPI is no longer reasonably required for our business purposes or compliance with applicable law, we will return or destroy the information.
Access to Non-Public Personal Information
You may request access to certain NPI we collect to provide you with insurance products and services. You must make your request vis email at legal@gabi.com. The email should include your full name, address, telephone number, and policy number (if applicable). If we validate your request, we will send you a copy of your NPI to the address provided.
Please note this section only applies to NPI Gabi collects or obtains to provide you with insurance products or services.
Correction of Non-Public Personal Information
If you believe the NPI we have about you is incorrect, please email us at legal@gabi.com. Please include in your letter your full name, address, telephone number, policy number (if applicable), the NPI you request that we correct, and an explanation of why you believe your NPI is inaccurate. If we agree with you and are not legally prohibited from making the requested change, we will make the requested corrections to your NPI and notify you of the correction.
If we disagree with you or are not in position to make the requested change, such as because we do not maintain the NPI you requested us to correct, we will tell you why we are not going to make the requested correction. We will also tell you that you may submit a statement to us describing why you believe the NPI is correct. It should also include the reason(s) why you disagree with our decision not to correct the NPI in our files. We will file your statement with the disputed NPI.
California Notice Regarding Non-Public Personal Information
Under California law, we will not share information we collect about you with companies outside of Gabi, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.