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FACTS

WHAT DOES BULLARD INSURANCE DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share,the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number Drivers License number Credit and Payment History Employment Information Assets and Income Information Claims History
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personalIn the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bullard Insurance chooses to share; and whether you can limit this sharing.information; the reasons Bullard Insurance chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Bullard Insurance share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausto court orders and legal investigations, or report to credit bureaus	Yes	No
For joint marketing with other financial companies - to offer our products and services to you	No	We don’t share
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes - information about your creditworthiness	No	We don’t share
For affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

To limit our sharing	• You can reach Bullard Insurance by calling us at 863-676-1481 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 863-676-1481

What We Do
How does Bullard Insurance protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Bullard Insurance collect my personal information?	We collect your personal information, for example, when we obtain it from: What you’ve provided us on applications, forms, and other communications Transactions with us or our insurance carrier partners Inspection services or other third party providers in the course of business We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes - information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account — unless you tell us otherwise.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include: Citizens Bank and Trust, Citizens Financial Group, Ridge Security Title.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Bullard Insurance does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Bullard Insurance does not market jointly with others.

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