Our Commitment to Online Privacy
NFS is committed to protecting your privacy and to complying with applicable data protection and privacy laws. This Privacy Statement ("Statement") explains how personal information you provide is processed when using this website.
Information Gathered by Us
There are two types of information we collect through our website: Visitor Information and Personal Information. We gather Visitor Information to improve information about products and services offered.
Visitor Information is collected on an aggregate basis. It includes how many people visit our website, pages people visit, features they use, and how long they stay on the website. Visitor Information is generally gathered using cookies.
"Cookies" are the small files stored on your computer's hard drive as you use a website. We use both session ID cookies and persistent cookies. A session ID cookie terminates once a user closes his or her browser. A persistent cookie is a small text file stored on the user's hard drive for an extended period, and must be removed by the user.
You can control acceptance of cookies by modifying your Internet browser preferences. You have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that, if you choose to block all cookies you may not be able to access all or part of our site and may be unable to use those services or engage in activities that require the placement of cookies.
We collect Personal Information when you complete an online form, application, or a survey and retain Personal Information only for as long as necessary to fulfill the stated purpose(s), or as required by law. We also collect email addresses of those users who communicate with us via email. We do not sell or share email addresses to or with any third party.
Use of Personal Information
We do not sell, trade, or give away your Personal Information.
We may use your Personal Information to contact you when necessary to process your quote, application, or to respond to your information requests and concerns.
We may also use your Personal Information to target valuable marketing and advertising offers or to help us design and build better products and services. You can opt out of receiving these additional communications from us by following the opt-out procedures below.
Disclosure of Personal Information to Third Parties
We will only disclose your Personal Information to third parties when one of the following limited situations arises:
Insurance Companies and Licensed Agents – If you submit a quote or application, we will disclose your Personal Information to your chosen insurance company to process your application. If you submit an application for an insurance product offered through an insurance agent or agency with whom we have associated, then we may disclose your Personal Information to that agent or agency to process your requested quote or application. Please be assured that the agent or agency is only allowed to use your Personal Information to process your requested quote or application and is contractually obligated to maintain strict confidentiality. Be sure to read all notices and authorizations connected with an application before completion.
Service Providers – We may disclose your Personal Information to other companies that help us process or service your insurance application. Be assured that we will only disclose the portion of your Personal Information that is necessary to process or service your insurance application. These third parties are not allowed to use Personal Information except for the purpose of providing these services. Depending on the type of insurance application, service providers may include the Medical Information Bureau (MIB), a third party administrator, a bank, a premium financing company, or a credit bureau. For instance, we would only disclose your name, date of birth, and state of birth to the Medical Information Bureau to check on your health history for underwriting of a life insurance application. The companies we hire to process or service your insurance application or correspond with you are not allowed to use your Personal Information for their own purposes and are contractually obligated to maintain strict confidentiality.
Legal Obligations – We may disclose or report your Personal Information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
NFS has implemented commercially reasonable standards of security in order to protect personal information from loss, misuse, alteration or destruction.
Website User's Responsibilities
Website users that submit Personal Information are responsible for providing accurate and complete Personal Information, and for contacting us if correction of such information is required. Customers should check the website periodically for updates to this policy.
If you do not wish to receive communications from NFS or third parties selected by NFS by regular mail, you can contact us at the address or phone number listed below.
P.O. Box 2057
Kalispell, MT 59903-2057
For Minnesota Residents
The disclosure of personal information among NFS and affiliates is authorized under the Minnesota Insurance Fair Information Report Act, § 72A.502, subdivision 8, which allows for disclosure without written authorization where i) the personal information is used for a limited purpose and ii) the affiliate agrees not to disclose the information for any other purpose or to unaffiliated persons.
For Montana Residents
The disclosure of personal information among NFS and affiliates is authorized under Montana's Insurance Information and Privacy Protection Act, MCA 33-19-306 (12)(a) and (b), which allows for disclosure without written authorization where i) the personal information is used in connection with an audit or to enable NFS to perform an insurance function and ii) an appropriate agreement is executed with the affiliate to limit the affiliate's use and disclosure of the personal information.
For New Mexico Residents
We may disclose personal information among NFS and affiliates without written authorization pursuant to New Mexico's Privacy Rule, 184.108.40.206 through 220.127.116.11 NMAC. However, any such disclosure will be only to the extent necessary to effect, administer or enforce a transaction that you have requested or authorized.
For North Dakota Residents
NDCC 26.1-02-27 permits NFS to disclose personal information pursuant to NDCC 45-14-01-11, which sets forth North Dakota's rules promulgated in accordance with NAIC's Privacy of Consumer Financial and Health Information and allows for disclosure where appropriate opt-out notice and opportunity has been given.
For Vermont Residents
NFS is authorized to disclose personal information under Vermont's Privacy of Consumer Financial and Health Information Regulation Article IV, Sections 14(A), (B) and (C), which provide an exception to the general "opt-in" rule (which requires consumers to affirmatively agree to disclosure) where NFS executes an appropriate agreement with the third party that limits the third party's use and disclosure of the personal information. NFS is further authorized to disclose personal information under Sections 15(A) and (B) which provide an exception to the "opt-in" requirement where the disclosure of personal information is necessary to affect, administer or enforce a transaction that the customer authorizes. Our release of personal information is also authorized where permitted by law under Section 16(A).