Privacy Statement


Privacy Notice to Our Customers:

Thomas Brackin, Inc., Real Estate and Insurance, values you as a customer and we strongly believe in protecting the confidentiality and security of information we collect about you.  This notice describes our privacy policy and explains the categories of nonpublic personal information we collect, how and why we use this information and the policies and procedures we have in place to protect your privacy.  Except for those situations allowed by law, we do not disclose any nonpublic personal information about our customers to anyone.

Categories of Information That We Collect:

We collect most of the information for your insurance application from you and from the servicing of your policy.  Depending upon the nature of your coverage, we may collect non-public personal information about you from other sources such as consumer reporting agencies, state motor vehicle departments, loss information reports, property inspection companies, other insurance companies and others as allowed by law.  In a claim situation, we may also collect information to assist in adjusting the claim.

We use this information to underwrite your insurance, adjust your claim or to provide you with the services that are normal to an insurance operation.

Under What Circumstances Do We Disclose Information:

We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law. This means that under certain circumstances information can be disclosed to third parties without your authorization. For example:  We may disclose information as your insurance agent;  to consultants who perform business or insurance functions for us;  to independent claims adjusters, auto appraisers, investigators, and attorneys who need information to settle your claim;  to businesses that provide underwriting and actuarial support;  to organizations involved in collecting data to help in the detection of insurance fraud or criminal activity in connection with insurance transactions;  to law enforcement or other governmental authorities to protect our legal interests or in cases of suspected fraud or illegal activities;  to medical care institutions or medical professionals to verify coverage or conduct an audit of services;  to insurance rating organizations or state regulatory agencies who are involved with the regulation of insurance pricing and producers;  to lien holders, mortgagees or other parties who have a legal interest in your policy;  and to authorized individuals as ordered by court documents.

Our Policies and Procedures For Protecting Your Privacy:

We restrict access to information about you to the referenced third parties and to employees who need to know that information to provide you with our products or to provide you with the benefits or services under them.  We maintain physical, electronic and procedural safeguards that comply with state and federal regulations to guard your nonpublic personal information.  We work with Insurance Companies that maintain contractual agreement with each such third party to whom information is disclosed that will require the third party to use the information only for the specific purposes for which it is disclosed and that will require the third party to maintain the confidentiality of such information.

Access to Your Information:

You have the right to obtain certain items of information we have collected about you, and to request correction of information if you feel it is inaccurate.  If we agree, we will correct our records accordingly.  If we do not agree, we will communicate this to you.  You should submit your written request to us at the address shown below.  Certain information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available.

Third Party Links:

This Web site may contain links to third party Web sites that are not controlled by Thomas Brackin, Inc.  These third party links are made available to you as a convenience and you agree to use these links at your own risk.  Please be aware that Thomas Brackin, Inc. is not responsible for the content of third party Web sites linked to Thomas Brackin, Inc. nor are we responsible for the privacy policy or practices of third party Web sites linked to Thomas Brackin, Inc.  Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with Thomas Brackin, Inc.  If you should link to a third party Web site from Thomas Brackin, Inc., we strongly encourage you to review and become familiar with that Web site’s privacy policy.

Changes In Our Privacy Policy:

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.

Further Information:

If you have any questions about our privacy policy, please write us at:

Thomas Brackin, Inc.

One Boulevard, P.O. Box 68

Mountain Lakes, NJ  07046