Terms & Conditions
In connection with a quote for insurance, we may review your credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance score.
We use credit risk information because there is statistical evidence showing a correlation between individual’ credit risk information and their insurance risk, or the likelihood that they will become involved in an occurrence or loss.
We consider credit risk information to measure insurance risk. The credit risk information we consider includes the total number of accounts, use of open accounts, months since most recent delinquency, numbers of collections, and other information.
A lack of credit risk information for a person will be considered as neutral insurance risk information as provided by our filing with the Director of Consumer and Business Services.
At Barlow Insurance, we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at Barlow Insurance, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the office of Barlow Insurance so we can provide you with policyholder service. The employees of Barlow Insurance are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.
A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this Web site. We may utilize a short-lived form of cookie when you visit this site. At Barlow Insurance, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Web site for more than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.
Third Party Links
This Web site may contain links to third party Web sites that are not controlled by Barlow Insurance These third party links are made available to you as a convenience and you agree to use these links at your own risk.