Global Privacy Statement

The nature of our business requires a relationship of trust with our customers. The foundation of that trust is the assurance that we will not misuse information that we receive about customers. The following is our Privacy Policy regarding the collection and disclosure of our customers’ personal information. The Privacy Policy is subject to updates at any time. The Travelers companies operate in a number of different jurisdictions and this Privacy Policy is not a comprehensive statement of all measures taken and rules complied with in each of those jurisdictions, but an indication of the intent of The Travelers to comply with the privacy laws of the jurisdictions where we do business.

Personal Information

Personal information is information that identifies an individual personally. Personal information includes but is not limited to such information as name, address, credit history, policy or claim information and health information.

How We Collect Personal Information

We collect personal information to enable us to provide our products and services to customers and to support our business operations. We obtain personal information directly from the customer, from customer-related transactions and from third parties, such as a consumer reporting agency.

Protecting Personal Information

We use procedural, manual and electronic security controls to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. Some techniques we employ to protect information include locked files, user authentication, encryption, firewall technology and the use of detection software. We are responsible for identifying information that must be protected, providing an adequate level of protection for that data and granting access to protected data as permitted or required by law.

Some of Travelers employees have access to customer personal information in the course of doing their jobs, which includes underwriting policies, processing claims, developing new products or advising customers of our products and services. These employees are expected to keep this information in confidence and share the information only with those who have a business reason to know. Employees are prohibited from making unauthorized disclosure of personal information that we obtain about customers. Employees who violate our policies on privacy may be subject to disciplinary action.

Disclosing Personal Information

We keep our customers’ personal information private and do not give it to others, unless allowed. We do not give or sell our customers’ personal information to other companies for marketing purposes. We may share personal information that we have about customers within Travelers family of property and casualty insurance companies.

We may give personal information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them. To serve our customers and administer our business including the processing of claims, we may share personal information about customers with unaffiliated third parties, including agents, brokers, other insurance companies, reinsurers, regulators, administrators and service providers and as otherwise permitted or required by law. Such sharing of data may be outside the jurisdiction in which the data was obtained.

Customer Rights

The Travelers acknowledges that some customers about whom we collect personal information have certain legal rights concerning that information. These individuals have a right to be told of their privacy rights and our information handling practices. They have a right to know what information we have about them, how we obtained it, and with whom we may share it. They also have a right to request correction of any wrong information pertaining to them in our file. The Travelers supports these rights as they add a measure of security and confidence to our dealings with the public. We will do everything we reasonably can to assist customers in exercising their privacy rights and will not attempt to dissuade them from doing so.

Global Operations

The Travelers is a property and casualty insurer, doing business in several countries. Some of these countries have enacted laws and regulations protecting personal information; other countries have not. It is Travelers’ policy to comply with the privacy laws and regulations of every country in which we do business.

Privacy Notice for Individual U.S. Personal Insurance Consumers

What We Mean when We Talk About "Privacy"

Your privacy is important to us. When we sell an insurance policy to a person we need information about the person or property that we're insuring. We consider this private and have taken steps to keep it confidential.

We want you to know about our privacy policy. The privacy policy tells you the kinds of information we get about you, where we get it, and with whom, if anyone, we may share it.

This brochure describes our privacy policy, procedures and practices for individuals who seek or get auto, home and other personal liability, and property insurance for personal, family or household needs.

What Kind of Information We Have and Where We Get It

You give us most of what we need in the application process. To make sure what we have is correct we may need to check with you by phone or mail.

You may be asked to give us more details in writing or over the phone. Plus, we may receive and check your past insurance claims from insurance support organizations or your former insurers.

As allowed by law, we may ask for credit and other consumer reports from consumer reporting agencies concerning your application for insurance or any renewal of insurance. Information given to us by an insurance support organization, including consumer reporting agencies may be retained by them and disclosed to other persons.

For auto insurance, we often get a report of accidents or convictions from your State Motor Vehicle Department. We get these reports through an independent reporting company. We may also check information from government agencies or independent reporting companies. This helps us correctly rate and price your policy.

For home, building, or boat insurance, we or an inspector from an independent company may visit the property to inspect and report on its condition. In some cases, pictures may be taken. This allows us to check the estimate we have of your property's value. If we need more details about the property or the alarm you've installed, we may need to enter your property to finish the inspection. We would contact you before entering your property.

As a part of our application and underwriting process, in most states, we also order an Insurance Score based on credit history. We use the Score, information you give us, and other consumer reports for underwriting and the price we will charge. If we receive corrected personal information from a consumer reporting agency, we will re-evaluate you.

Once you're insured with us, your file may contain details about your policy(ies). This may include bill payments or claim history. A claim representative may comment, for example, on the condition and use of the insured property. We may also keep a police report if one was issued.

Sometimes we need to know about your health. For example, if we need to know whether a physical limitation will affect your ability to drive, we would ask you to sign a form allowing your personal doctor to answer any question we may have.

Who Has Access to This Information

We keep what we collect about you in our files. Our policies and procedures protect your personal information. We have physical, electronic and procedural safeguards in place.

We do not give or sell our customers' personal information to others for marketing purposes. You don't have to ask us to keep your information private because we do not give it, unless allowed.

We will use information about you to sell you insurance, service your insurance and settle claims. We may give the information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them.

We may give, without your past permission and only if allowed by law, information about you held in our files to certain persons or organizations such as:

Our affiliated property and casualty insurance companies
An independent claim adjuster or investigator
Persons or organizations that conduct scientific research, including actuarial or underwriting studies, provided that no individual may be identified in the studies
An insurance support organization, including consumer reporting agencies
Another insurer in order to prevent or prosecute fraud

Also, on rare occasions, we may be required to share this information:

With a State Insurance Department or other governmental agency, if required by federal, state or local laws
If ordered by a summons, court order, search warrant or subpoena
To protect our own legal interests, or in case of suspected fraud or other illegal activities.

How to Find Out What Information We Have About You

If you have any questions about what we have in your file please write to us. When we receive your written request, we will respond within thirty (30) business days. We will let you know if we've given any information about you to anyone in the past. If we asked for a consumer report we will tell you the name and address of the consumer reporting agency.

You may also see and copy your file (except for certain documents about claims and lawsuits). If you believe any of our information is wrong we'll check it out and if we agree there was an error, we'll correct it. If we don't agree, you're still allowed to file a letter with your comments. We'll send the correction or letter to anyone who received or will receive the original information.

If you have any questions about the right of access to or correction of your file, we'll be happy to review our procedures with you. Please contact:

John Geno Insurance Agency, Inc.
984 Route 3
Plattsburgh NY 12901

When you write, please be sure to tell us your:
Name Address Policy number	Phone number and the best time of the day for us to call you Please include a copy (not the original) of personal ID, such as your driver's license