Terms of service
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The Law Office of Cassels & McCall, (the "Firm"), respects the privacy and security of your non-public personal information (“NPI”) and protecting your NPI is one of our top priorities. Even Public Information (“PI”) about you which is readily available from numerous sources is considered confidential by us and protected. As licensed attorneys we are bound to an oath of confidentiality that extends beyond protection of NPI, but goes to the very nature of our communications and the transaction itself.
Personal Information Collected.
We may collect PI and NPI about you from the following sources:
* Information we receive from you on applications or other forms, such as your name, address, social security number, tax identification number, asset information, and income information;
* Information we receive from you through our Internet website, such as your name, address, email address;
* Internet Protocol address, the website links you used to get to our website, and your activity while using or reviewing our website;
* Information about your transactions with, or services performed by us, our affiliates, or others, such as information concerning your policy, premiums, payment history, information about your home or other real property, information from lenders and other third parties involved in such transaction, account balances, credit card information and other information as may be needed to accomplish the tasks for which we were retained; and
* Information we receive from consumer or other reporting agencies and from publicly recorded documents.
Disclosure of Personal Information.
We do not disclose any public or non-public personal information to anyone, except as permitted or required by the Rules of Professional Conduct established by the Supreme Court of Florida, state statute or federal law.
Consistent with our non-disclosure policy and applicable law, we may provide your NPI and PI to, without limitation, the following:
* Insurance agents, brokers, representatives, support organizations, or others to provide you with services you have requested, or requested by a lender on your behalf, and to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or non-disclosure in connection with an insurance transaction;
* Third-party contractors or service providers for the purpose of determining your eligibility for an insurance benefit or payment and/or providing you with services you have requested (either explicitly or implied by the transaction to which you are a party);
* An insurance regulatory authority, or a law enforcement or other governmental authority, in a civil action, in connection with a subpoena or a governmental investigation;
* Lenders, lien holders, judgment creditors, or other parties claiming an encumbrance or an interest in title whose claim or interest must be determined, settled, paid or released prior to title or escrow closing.
* Others when we believe, in good faith, that such disclosure is reasonably necessary to comply with the law or to protect the safety of our clients, customers, employees, or property and/or to comply with a judicial proceeding, court order or legal process.
Confidentiality and Security of Personal Information
We restrict access to NPI about you to those of our staff who need to know that information to provide the services for which we were retained. We maintain physical, electronic and procedural safeguards that comply with appropriate federal and state regulation to safeguard your PI and NPI.
Correction, Amendment, or Deletion of Personal Information
As required by applicable law, we will afford you the right to access your Personal Information, under certain circumstances to find out to whom your Personal Information has been disclosed, and request correction or deletion of your Personal Information. However, the Florida Bar and state law have established minimum retention requirements. The Firm's current policy is to maintain files in excess of the minimum due to underwriter requirements, risk management, and client convenience. For your protection, all requests made under this section must be in writing and must include your notarized signature to establish your identity. Where permitted by law, we may charge a reasonable fee to cover the costs incurred in responding to such requests.