Privacy Practices Disclosure Notice

Many states regulate the use of non-public personal information by financial services institutions. In the interest of complying with federal and state laws and in providing an affirmation of our commitment to maintaining the privacy of customer and claimant information, we have prepared this Privacy Practices Disclosure Notice to explain the privacy policy of The Richards Group:

• Richards, Gates, Hoffman & Clay
• Vermont Insurance/Barber & Jarvis
• Powers Walker Insurance

The Richards Group Privacy Policy

To provide you with insurance, we collect nonpublic personal information, including financial and in some cases medical, about you from the following sources: your application and other forms and information you provide to us; transactions you have had in the past with us; information received from non-affiliated third party service providers with whom we contract to provide underwriting or claims service functions and, if necessary, consumer reporting agencies.

We do not disclose any nonpublic personal information about you or your family except to those who need that information to provide the services you request or to whom we are obligated to provide the information. We maintain physical, electronic and procedural safeguards that comply with federal and state regulations regarding privacy of such information.

We do not disclose any nonpublic personal information about our policyholders or our former policyholders to anyone, except as permitted by law.