Financial Privacy Notice
The Gramm-Leach-Bliley Act (GLBA) generally prohibit any financial institution, directly or through its affiliates, from sharing Nonpublic Personal Information about you with a third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Oswald Companies.
What Does Oswald do with your Personal Information?
Why?
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?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and employment information
- account balances and transaction history and
- medical information and insurance claim history
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Oswald chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Oswald 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’ everyday business purposes— information about your transactions and experiences |
Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness |
Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
To limit our sharing
- Call 1.855.467.9253; or
- Visit us online: unisonriskadvisors.com
Please note:
If you are a new customer, we can begin sharing your information 30 days after we send this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing
Questions?
Call 1.855.467.9253 or go to unisonriskadvisors.com
What we do
How does Oswald protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Oswald collect my personal information?
We collect your personal information, for example, when you
- give us your contact information or open an account
- apply for insurance or pay insurance premiums
- use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes—information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account unless you tell us otherwise.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include parent company JBO Holding Company d/b/a Unison Risk Advisors and includes all current and future subsidiaries and affiliates of JBO Holding Company, including The James B. Oswald Company, and Riggs, Counselman, Michaels & Downes, Inc., and each of their respective wholly and partially owned subsidiaries, affiliates, and partners.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with include categories of companies such as insurance carriers, retirement plan services partners, claims handling partners, and vendors, among others.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance carriers, and employee benefit providers among others.
