the entire document for complete details. Pathway Insurance Services Inc.
is a leading insurance agency located in Cincinnati Ohio doing business in
the states of Ohio, Kentucky, and Indiana. In addition we offer a national
referral service that connects consumers to other insurance agents across
the United States in the states in which we are not licensed or currently
doing business. We reserve the right to change our policies or practices at
Pathway Insurance Services Inc. takes your privacy very seriously and
will make our best efforts to protect your personal information. In our
efforts to assist you with your insurance needs we will acquire personal
information from you directly, from your transactions with us, and from
third parties such as state motor vehicle departments, consumer reporting
agencies, and claims reporting agencies. Please note that our company,
Pathway Insurance Services Inc. is not responsible for any acts intentional
or otherwise from any third party company.
Any third parties who perform services for us are required to safeguard
any customer information and may only use it in connection with performing
We secure and limit access to your information.
We protect information about potential, current, and former
The Information We Collect:
Non-public personally identifiable information (“Information”) is
information that identifies you and is not available to the general public.
The following sections tell you more about how and when we collect your
Information We Obtain From You:
During the quoting, application, or claims handling processes you may
give us Information such as your:
Other drivers in your household or operating any owned vehicles
Social Security Number
Driver’s license number
Date of birth
Vehicle Identification Number (VIN)
Types of all Vehicles Driven
Driving Habits and Record
If you gave us your email address, Pathway Insurance Services Inc. may
use it from time to time to notify you of such things as new services,
special offers, or to confirm transactions. If you do not wish to be
contacted by email for non-policy related communications, you may ask to be
removed at the bottom of any email you receive.
Information about Your Transactions:
We may collect Information about your transactions and experiences with us
and others, such as your payment history, claims, coverage, and vehicle
Information from Third Parties
We may receive Information about you from consumer reporting agencies,
which provide us with motor vehicle reports, claim reports, existing
insurance information, and/or credit information where permitted by law.
When you ask for a rate quotation, we may obtain credit information if
permitted by applicable state law.
Our sales and service representatives do not have access to the details
of your credit information. As permitted by law, we may also review your
motor vehicle record, claims history, and/or credit information in
connection with any renewal.
The Information We Disclose
We may share, as allowed by law, all of the nonpublic personal information
we collect to the following third parties:
Our affiliated companies.
Third parties that market our services and products and administer and
service customer accounts on our behalf.
Other institutions with which we have joint marketing agreements.
Information about our former customers and about individuals who have
obtained quotes from us is safeguarded to the same extent as Information
about our current policyholders.
Following are some examples of how we may disclose Information:
We must exchange Information about you with our agents, investigators,
appraisers, attorneys, and other persons who are or will become involved in
processing your application and servicing your policy or any claims you may
When you are involved in a claim, policy information is provided to
adjusters and the businesses that will repair your vehicle.
We may share Information with persons or organizations that we have
determined need the Information to perform a business, professional, or
insurance function for us. These include businesses that help us with
administrative functions. If the law in your state permits, we may share
Information with financial institutions with which we have a
joint-marketing agreement. All of these entities are obligated to keep the
Information that we provide to them confidential and to use the Information
only for the purpose for which the Information was provided.
Information may be provided to organizations conducting actuarial
research or audits. In this case, you will not be individually identified
in any research report. The organization must agree not to re-disclose the
Information and the Information will be returned to us or destroyed when it
is no longer needed.
We may also share your Information for other permitted purposes,
With another insurance company if you are involved in an accident with
With our reinsurers
With insurance-support organizations that detect and prevent fraud
With medical professionals or institutions in order to verify coverage or
conduct operations or services audits
With state insurance departments or other governmental or law enforcement
authorities if required by law or to protect our legal interests or in
cases of suspected fraud or illegal activities
If ordered by a subpoena, search warrant or other court order
Confidentiality and Security
We restrict access to your Information to employees who we have
determined need it in order to provide products or services to you. We
train our employees to safeguard customer information, and we require them
to sign confidentiality and non-disclosure agreements. We maintain strict
physical, electronic, and procedural safeguards to protect your Information
from unauthorized access by third parties.