Information About our Customers
Why We Collect And How We Use Information: We collect and use information with respect to the extension of credit and other business relationships involving you. These business purposes include evaluating a request for the extension of credit, the request for doing business with us involving products or services, administering our products or services and processing transactions requested by you. We may also use the information to offer you other products or services we provide, and to generally evaluate our business relations with you.
Why We Collect Information: We get most information directly from you. The information that you give us applying for credit or making purchases generally provides the information we need. If we need to verify information or need additional information, we may obtain information from third parties such as mercantile commercial credit reporting agencies (if appropriate), consumer credit reporting agencies and other sources permitted by the Fair Credit Reporting Act. Information collected may relate to your finances, business activities, credit history and other financial characteristics as well as transactions with us or with others, including our affiliates.
How We Protect Information: We treat information in a confidential manner. Our employees are required to protect confidentiality of information. Employees may access information only when there is an appropriate reason to do so, such as to administer or offer our products or services, including the extension of credit to you. We also maintain physical, electronic and procedural safeguards to protect information; these safeguards comply with applicable laws. Employees are required to comply with our established policies.
Information Disclosure: We may disclose any information when we believe it is necessary for the conduct of our business, or where disclosure is required by law. For example, information may be disclosed to others to enable them to provide business services for us, such as helping us to evaluate requests for credit extension by you, performing general administrative activities for us and assisting us in processing a transaction requested by you. Information may also be disclosed for auditor research purposes, or to law enforcement or regulatory agencies, for example, to help us to prevent fraud. Information may be disclosed to affiliates, as well as to others that are outside of WICKARD INSURANCE. such as companies that process data for us, companies that provide general administrative services for us, commercial credit reporting agencies, and (if appropriate) consumer reporting agencies. We may make other disclosures of information as permitted by law. Information may also be shared with affiliates so that they may offer you products or services consistent with your business needs.
Access To And Collection of Information: Generally, upon your written request, we will make available information for your review. Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available. If you notify us that the information is incorrect, we will review it. If we agree, we will correct our records, If you do not agree, you may submit a short statement of dispute, which we will include in any further information.
Consumer Credit Information: You have the right to prohibit information contained in any file with a credit reporting agency from being used in any credit or insurance transaction that you did not initiate. To exercise that right, you may write to the following credit bureaus: Experian Credit Marketing, P.O. Box 919, Allen, Texas 75013; Equifax Options, P.O. Box 740123, Atlanta, Georgia 30374-0123; and Trans Union Name Removal Opt-Out Request, P.O. Box 97328, Jackson Mississippi 39288. This only applies to consumer credit information as defined in the Fair Credit Reporting Act.
 Information Collected while Serving our Customers
Why We Collect Information: Information is collected for Security, Training, and Verification purposes.
How We Collect Information: All calls are recorded, and information taken during the course of phone calls directed to our customers is collected in a computerized system for ready access in order to relay the message content to our customers, according to their chosen procedure.
How We Use Information: Message content is used solely for the purpose of relaying messages to our subscribers. No employee of Wickard Insurance is authorized to use any of the information for any other purpose. Call recordings are used to verify the content of calls in case there is any question regarding what was said, or what information was transmitted by the caller for relay to our customer. We further use the recordings internally to screen for quality control issues, to assure that our staff members are doing a thorough job, with courtesy and professionalism. They can be used to determine the attitude of the caller and the Telephone Secretary, as protection in cases of alleged abuse or lack of professionalism.
How We Protect Information: All recordings are under the control of Supervisory Staff and Management at all times. No access by the general public is allowed for any reason, including business entities which may have a business relationship with Wickard Insurance.
Information Disclosure: Information and access to recordings is available only to authorized Wickard Insurance employees in the course of valid business purposes. Access is denied for personal or non-business purposes. Access by police or other investigative authorities is available ONLY by valid court order, with written and properly-executed documentation.
Access To Information: Customers my have access to recordings only from their own account, for valid business purposes, such as verification of the content of a call, the attitude of a caller, or the performance of a Wickard Insurance staff member. Copies of printed message files or recordings my incur a fee for research or copying, including supplies, media and postage/handling. Wickard Insurance reserves the right to require written authorization for this service. Wickard Insurance respects the privacy of both our Subscribers and their Customers or Clients. Our professional Telephone Secretaries and support staff are screened and trained to uphold the highest levels of confidentiality. All messages and transactions are secured, and accessible only by authorized personnel. Wickard Insurance uses a standard Business Associate Agreement to define the responsibilities of all parties involved in message processing. A copy of this Business Associate Agreement can be provided upon request.
Questions can be directed to our Business office at 1-855-540-5892