PRIVACY NOTICE AND DISCLOSURE

The privacy of the personal information we collect from customers and potential customers is very important to L & W Insurance. You received this notice in accordance with federal and state laws. This notice is to provide you with our understanding of types of non-public information about you that we may collect, how we use it and how we protect that information.

I.          Information we Collect:

We collect non-public information about you from the following sources:

1. Information we receive from you on applications for insurance or from other                     insurance forms you complete.
2. Information we receive from the companies we represent which provide insurance policies to you.
3. Information from consumer reporting agencies.
4. Information about your transactions with us or the companies we represent.
5. Information from other sources such as employers or government agencies.
6. Information from visits to our website.

II.        Information we may disclosure:

We do not disclose any non-public personal information except as permitted by law.

III.       Information we share with third parties:

We disclose non-public personal information to non-affiliated third parties as permitted by law.

IV.       Our procedures to protect your private information:

We restrict access to  non-public information to those employees, and to the agents,  representatives or parties who need to know the information in order to provide the insurance products requested by our customers.
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