Information sharing and opt out
We do not sell your personal information to anyone for any reason. We do not share it, except for the reasons described below, which are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our policy, we will tell you and give you a chance to opt out before we share your information.
Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws.
Collecting your personal information
We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We also collect information from your transactions with our sister companies, others, or us. We may collect information from a consumer-reporting agency or a medical provider. This collection depends on the product or service you request.
Disclosing your personal information
We do not sell your information to anyone. We may disclose this information to a business that carries out services and marketing for us. We may disclose your information as required or permitted by law. We may disclose your information for a legal or regulatory purpose. These include the following types of information.
Using your medical information
We sometimes must collect medical information to provide you a product or to pay a claim. We do not use or share it for any purpose, except the following:
What information does Capital Risk Management Group collect from Web sites? Capital Risk Management Group may collect the information you provide when you:
Capital Risk Management Group contracts with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.
Use of "Cookies"
We store a cookie on your computer when you visit our Web site. A cookie is a tiny piece of information that is required to create and maintain a secure session. Cookies let you request information and do business online. Cookies do not have confidential or personal information. They do not track a user after leaving our Web site. We use a third-party tracking utility, which may set cookies, to analyze how users move within our Web site.
Other Online Security
We also use a Secure Sockets Layer (SSL). This keeps all information confidential when it is sent between our Web site and your computer.
We keep the e-mail you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in e-mail. As with any public Web site, this communication may not be secure.
Why does Capital Risk Management Group collect information on its Web site?
Capital Risk Management Group or our business partners use the information from our Web sites for many purposes:
If we decide to use your personal information in a different way than for the use that we told you when we collected it, we will notify you by posting a note on our Web site for 30 days.
We will provide you a copy of your personal information that we control and can reasonably retrieve. To access your information, you must provide the following:
Please send any inquiries to us at:
Capital Risk Management Group
ATTN: Privacy Department
518 W Main Street
Gallatin, TN 37066
When you write to us, please include your name, address, and policy number, and your agent name and number, if you know it. You can contact your agent to change information that we control, such as your address. Or, you may contact your Capital Risk Management Group customer service representative. The phone number is in your policy packet.
This privacy statement describes our privacy practices for both current and former customers. We will provide one copy of this notice to joint policy or contract holders. Please share this information with everyone covered by your policy or contract. If you request, we will send more copies of this statement.
Thank you for choosing Capital Risk Management Group. We look forward to building a lifetime relationship with you.