Privacy Policy

Protecting your privacy is important to HM Risk Group. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of insurance, financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all HM Risk Group employees for collection, use, retention, and security of nonpublic personal information.

What Information We Collect

We may collect “nonpublic personal information” about you from the following sources:

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing an insurance, financial product or service to you. For example, nonpublic personal information includes information regarding your insurance coverage’s and payment history.

What Information We Disclose

We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership (“affiliates”).

We also are permitted under law to disclose nonpublic personal information about you to “nonaffiliated third parties” (third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

HM RISK GROUP DOES NOT SELL CUSTOMER INFORMATION.

Any information transmitted to us through our internet site is protected by a data security system known as “SECURE SOCKET LAYER” (SSL). SSL is designed to insure that transmitted information is encrypted and protected at all times. To provide better service and a more effective website, we may use “cookies” (cookies are messages a website sends to a web browser) as part of our interaction with your browser. These cookies do not collect personally identifiable information. You may disallow cookies by making the appropriate selection from your browser options. You should understand, however, that certain services provided by our bank require cookies for effective delivery.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this statement.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.