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Terms and Conditions - this form is available for download by right-clicking here and choosing "Save Target As".

DISCLOSURES

Insurance services offered through Rosenthal Bros., Inc.

Insurance proposals issued by Rosenthal Bros., Inc., are outlines of coverage offered by insurers. Rosenthal Bros., Inc., relies upon information provided by clients/prospects when preparing these proposals. If changes need to be made, please notify our office immediately. All changes are subject to review and acceptance by the insurance company. Proposals do not constitute a contract and do not include all the terms, coverage, exclusions, limitations or conditions of the actual contract language. The policies themselves must be read for those details. For your reference, policy forms will be made available upon request.

In addition to the fees and/or commissions retained by Rosenthal Bros., Inc., it is understood and agreed that other parties, such as excess and surplus lines brokers, wholesalers, underwriting managers, and similar parties, may earn and retain usual and customary commissions and/or fees in the course of providing insurance products.

As is common practice in the industry, Rosenthal Bros., Inc. has entered into arrangements with certain insurance carriers and wholesale brokers providing for compensation, in addition to commissions, to be paid to Rosenthal Bros., Inc. based on several factors, including the volume of premium and/or underwriting profitability of the insurance coverage written through our firm by those carriers. The insurance coverage you purchase through Rosenthal Bros., Inc. may be issued by an insurance carrier who has such an agreement with our firm. Should you have specific questions concerning such compensation, please contact your Rosenthal Bros., Inc. representative.

PRIVACY POLICY

We Are Committed to Protecting Your Personal Information
At Rosenthal Bros., Inc., we strive to provide you with the highest level of service and quality of products. In that regard, the privacy of the information you provide to us is important and we want to assure you that we are committed to protecting your privacy.

This Privacy Statement outlines the types of information we gather about you, how we use it and with whom we might share it. We urge you to read this Privacy Notice so that you will understand our commitment to you and to your privacy.

The Types of Personal Information We Collect
In order to provide you with the highest level of service possible, it is necessary for us to collect and maintain certain personal information about you. We collect this information from applications and other forms, from your dealings with us and others and, depending upon the services and products you have requested or for which we have been asked to provide, we may also receive information from consumer reporting agencies and other sources such as our website.

The types of information we collect and maintain may include:

Information contained in applications and other forms including, your name, address, social security number, family member information, beneficiaries, assets and income;
Information concerning your relationships with us such as products or services purchased from us, account balances and transactions and payment history;
Information from consumer reporting agencies such as credit relationships and related history;

and


Information from visits to our website such as site visitorship data, and online data collection devices known as "cookies".

How Personal Information is Used
We use personal information in ways that are compatible with the purposes for which we originally requested it. Rosenthal Bros., Inc. may use your personal information for the purpose of processing your requests and transactions, offering or furnishing additional products and services or to evaluate your financial needs. Rosenthal Bros., Inc. does not share your personal information with unaffiliated Companies except as provided in this Notice.

Rosenthal Bros., Inc. requires its employees to protect your personal information and keep it confidential.   Moreover, Rosenthal Bros., Inc. has any and all hard copy documents with customer information destroyed by a third party.  The third party provides a Certificate of Destruction as confirmation of destruction.

In order to provide you with the appropriate level of service, we may share account and transactional information within Rosenthal Bros., Inc. We may also share personal information described above with firms that assist us in carrying out your needs. For example, we may share your personal information for specific business purposes with the following companies:

Financial service institutions with whom we have joint marketing agreements

or

Companies under contract to perform services for us or on our behalf (such as vendors providing data processing, computer software maintenance and development, transaction processing and marketing services.)

Be assured that Rosenthal Bros., Inc. does not sell personal information to anyone. Additionally, we treat the personal information of our former clients in the same manner as we treat the personal information of our current clients.

We also reserve the right to disclose your personal information in certain circumstances where we feel that disclosure is required by law, to assist law enforcement officials or officials of regulatory agencies, to perform credit checks or collect monies owed to us, and to protect our rights and property.

The Accuracy of My Personal Information
At Rosenthal Bros., Inc., our goal is to maintain current and accurate information about you in order to properly service your needs. Consequently, Rosenthal Bros., Inc. clients can have reasonable access to their personal information to verify the accuracy of this information. You may either write or call your Rosenthal Bros., Inc. representative to request your personal account information. If you identify any error in your personal information or you would like to update your records, please advise your Rosenthal Bros., Inc. representative.

Thank you and we appreciate your business.