Purpose: Our goal is to protect your information in all the ways that we interact with our customers — in our offices, over the Internet or on the phone. Personal information includes all information that identifies individuals when either opening accounts, applying for insurance or using any electronic forms of communication with the Novak Agency, Inc.

The Novak Agency, Inc. has adopted the following principles:

  1. Recognition of a Customer’s Expectation of Privacy
    Novak Agency, Inc. recognizes and respects the privacy expectation of our customers. We will take the steps necessary to protect the privacy of all the information shared by our customers to Novak Agency, Inc.
  2. Use, Collection and Retention of Customer Information
    Novak Agency, Inc. collects, retains and uses information about individuals when such information is required by law or when Novak Agency, Inc. reasonably believes it would useful in administrating our business and to provide products, services and other opportunities to existing customers.
  3. Maintenance of Accurate Information
    Novak Agency, Inc. has established procedures so that a customer's information is accurate, current and complete in accordance with reasonable commercial standards. Novak Agency, Inc. also responds to requests to correct inaccurate information in a timely manner.
  4. Limiting Employee Access to Information
    Novak Agency, Inc. limits employee access to personally identifiable information to those with a business reason for knowing such information. Novak Agency, Inc. educates its employees so that they will understand the importance of confidentiality and customer privacy. Novak Agency, Inc. also takes appropriate disciplinary measures to enforce employee privacy responsibilities.
  5. Protection of Information via Established Security Procedures
    Novak Agency, Inc. maintains appropriate security standards and procedures regarding unauthorized access to customer information.
  6. Restrictions on the Disclosure of Account Information
    Novak Agency, Inc. does not reveal specific information about our customer accounts or their transactions to unaffiliated third parties for their independent use, unless the information is provided to 1) help complete a customer-initiated transaction, 2) to help administer the institution’s bona fide business, 3) at the customer’s request, 4) to comply with a legal requirement (i.e., regulation or subpoena) 5) to a reputable information reporting agency (i.e., credit bureau) or 6) after the customer has been informed about the possibility of such disclosure through a prior communication and given the opportunity to decline (i.e. "opt out".)
  7. Maintaining Customer Privacy in Business Relationships with Third Parties
    If personally identifiable customer information is provided to a third party, Novak Agency, Inc. insists that the third party adhere to similar and strict privacy principles that provide for keeping such information confidential.
  8. Disclosure of "Privacy Principles" to Customers
    Novak Agency, Inc. will make these "Privacy Principles"available to our customers to give them a better understanding of our commitment to safeguarding confidential and private information.

Novak Agency, Inc. reminds all of our customers that links in the institution's websites can be found to websites not under our control. These websites will not necessarily comply with Novak Agency, Inc.’s "Privacy Principles" and security standards.

Novak Agency, Inc. reminds all our customers that confidential and private information may be compromised in both traditional and non-traditional activities. Novak Agency, Inc. can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Novak Agency, Inc. customers believe that confidential and private information has been compromised, please contact Novak Agency, Inc. immediately so that the potential breach can be investigated.

Novak Agency, Inc. reserves the right to change our privacy policy at any time by posting a new policy.