Texans Insurance & Financial Group, Inc collects, maintains, and
discloses information about its customers and former customers in
accordance with federal and state laws.
The two primary federal laws governing how we use customer
information are the Financial Services Modernization Act (also known as
the Gramm-Leach-Bliley Act) and the Fair Credit reporting Act.
The Gramm-Leach-Bliley Act (GLBA) limits disclosure of "non-public
personal information" to parties that are not affiliated with a company. The
Fair Credit Reporting Act (FCRA) limits disclosure of credit-type
information to both non-affiliated and affiliated companies. The GLBA
provides an "opt-out right" that enables you to tell companies if you do not
want them to disclose information about you with non-affiliated third
parties other than as permitted by the law. The GLBA identifies specific
circumstances in which a company may share its customers'
information. These include to provide services to its customers, when law
enforcement requires it, and to offer financial products or services jointly
with another financial institution.
Texans Insurance & Financial Group, Inc does not share information
other than as permitted by the GLBA, so you do not have to opt out of any
additional sharing. The FCRA provide and "opt-out right" that enables you
to tell companies if you do not want them to share certain credit
information about you with their affiliates other than as permitted by law.
The law allows companies to share information about their transactions
and experiences with you. Certain other sharing is not permitted if you opt
out of the affiliate sharing. Texans Insurance & Financial Group, Inc does
share information about you with its affiliates and you may opt out of any
sharing other than that permitted by law.
To learn more about your rights and the federal laws that provide you with
these rights, you may want to visit the Federal Trade Commission's
website at www.ftc.gov/privacy/glbact/index.html (the GLBA web page)
and www.ftc.gov/os/statutes/fcrajump.htm (the FCRA web page) or