Title V of the Gramm- Leach-Bliley Act (GLBA) and the laws of the State of Massachusetts, generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and the laws of this State, we are providing you with this document, which notifies you of the privacy policies and practices of A. E. Barnes & Co. Insurance Agency, Inc.

OUR PRIVACY POLICIES AND PRACTICES

1.    Information we collect:

A.    Categories of Information Collected and Sources From Which We Collect It

1. We collect nonpublic personal information about you from the following sources :
• Information we receive from you on applications or other forms.
• Information about your transactions with us, our affiliates or others.
• Information we receive from a consumer reporting agency.
• Information we receive from medical records or medical professionals;
• Information you supply us when responding to direct mail marketing or email over the internet.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

B.    Persons From Whom Information is Collected

We do not collect nonpublic personal information from anyone other than the individual(s) proposed for coverage.

C.    Information From Credit Reports or Investigative Consumer Reports

If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we do request such information, you should be aware that:

You have the right to request to be interviewed in connection with the preparation of such a report.

Upon request, you are entitled to receive a copy of the report.

The information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We may disclose all of the information we collect, as described above, about our customers or former customers, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:

Information we receive from you on applications or other forms, such as "your name, address, social security number, assets, income, and beneficiaries"

Information about your transactions with us, our affiliates or others, such as "your policy coverage, premium, and payment history.

Information we receive from a consumer reporting agency such as "your creditworthiness and credit history.

In the course of our general business practices, we may disclose the information that we collect ( as described above)about you or others without your permission to the following types of institutions for the reasons described :

To a third party if disclosure will enable that party to perform a business, professional or insurance function for us ; To an insurance institution, agent, or credit reporting agency in order to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction;

To an insurance institution, agent, or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you;

To a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an audit that would enable us to verify treatment;

To an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities;

To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services;

To an actuarial or research organization for the purpose of conducting actuarial or research studies;

In addition to those circumstances listed above, and unless you tell us not to, we may disclose certain information about you to third parties whose only use of the information will be for purposes of marketing a product or service. Under no circumstances will we disclose for marketing purposes any medical information; information relating to a claim for benefit or, a civil or criminal proceeding involving you; or personal information relating to your character, personal habits, mode of living or general reputation.

As we have indicated in this Privacy Policy Notice, we collect certain personal information about you, and we may disclose that information to certain non-affiliated third parties. We are permitted by law to disclose your personal information in the circumstances described in paragraph 2 without your permission. FOR ALL OTHER DISCLOSURES, WE ARE REQUIRED TO OBTAIN YOUR AUTHORIZATION. The disclosures that first require your authorization are described in more detail on a separate authorization form that we will provide to you.

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

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(s) may be entered in any court having jurisdiction thereof.