NSO Privacy Statement
Nurses Service Organization (NSO) is a division of Affinity Insurance Services, Inc., a subsidiary of Aon Corporation. Aon Corporation is a family of brokerage, risk management, consulting and insurance underwriting companies providing innovative solutions for diverse businesses through global distribution networks.
NSO is committed to integrity in our dealings with our clients, employees and service partners (“customers”). This commitment extends to personal information about our customers that we might possess or acquire. We strive to protect the personal information under our control and take certain precautions to help maintain the security and accuracy of that data. If you have questions or concerns regarding this statement, you should contact NSO using the contact information included at the end of this statement.
Information Provided By You:
- Directly to NSO or NSO.com
- Insurance Application Information
- Transaction Information
- Internet-generated Information
- User-generated Information
- Directly to our Vendor Partners
- Information Gathered by NSO through Third Parties
- Consumer Report and State Information
How Your Information May Be Used
Parties to Whom We Disclose Information
INFORMATION PROVIDED BY YOU
If you submit personal information with respect to any insurance products or other consumer products featured herein, this information may be used in one or more of the following ways:
1. Directly to NSO or NSO.com:
Insurance Application Information: This is information we receive from you on applications or other forms, by phone, and online. It may include but is not limited to: your name, address, and telephone number, e-mail addresses, driver's license number, social security number, date of birth, length of employment, gender, marital status, prior insurance information, home ownership, length of residency, professional designation, vehicle descriptions, miles driven and vehicle use, other drivers, and driving history.
Transaction Information: This is information about your transactions with NSO and NSO.com. It includes your insurance coverage selections and premiums, payment and claims history, and information necessary for billing and payment. This may include but it not limited to name, address, city, state, zip, e-mail address, phone number, fax number, and credit/debit card information.
Internet-generated Information: We may collect user information from our Web sites via cookies (alphanumeric identifiers transmitted from a Web site to a visitor's browser). We collect such information solely for the purposes of better customer service, enhancing our ability to identify users and create content and products to meet their needs. While it is possible to disable cookies via your browser settings, doing so may not allow us to enhance your Web experience.
User-generated Information: We collect the domain name; the e-mail addresses of those who communicate with us via e-mail; aggregate information on what pages consumers visit; and information volunteered by the consumer, such as quote requests, survey information and/or site registrations.
2. Directly to our vendor partners through the NSO Marketplace:
Transaction Information: This is information about your transactions with our affiliates and partners. It includes transactional information based on your activities on the NSO Marketplace website and its vendor partners, such as purchases and content you generate or that relates to your NSO Marketplace account. This may include but it not limited to name, address, city, state, zip, e-mail address, phone number, and fax number. When necessary, a copy of this material is maintained by NSO, solely for our use in maintaining a record of your account. Please note that any credit/debit card information you use for purchases is not shared by any vendor with NSO.
3. Information Gathered by NSO through Third Parties
Consumer Report and State Information: This is information we receive from a consumer reporting or State Agency, and may be used to confirm or supplement Application Information. It may include motor vehicle reports and claims history reports. We will disclose Consumer Report and State Information only as necessary to quote or service your insurance policy and as permitted or required by law. We only share information as necessary to transact insurance with our insurance carriers and with NSO Marketplace vendor partners.
HOW YOUR INFORMATION MAY BE USED
All information that we collect may be used as follows:
To provide insurance quotes requested by consumers, based on the information that they have supplied.
To maintain communication with prospective clients in order to provide information on new products, services or upcoming events.
To improve the content of our web page and to notify consumers about updates to our web site.
To promote NSO products and services to our clients and prospective clients.
NSO may promote the products and services of vendor partners to our clients through postal mail and e-mail.
NSO may provide clients’ names and postal addresses to select vendor partners so that NSO clients may receive information or promotional materials that may be of interest to them.
PARTIES TO WHOM WE MAY DISCLOSE INFORMATION
We disclose your personal information as necessary to effect, administer, or enforce your transaction with us, or in conjunction with servicing your insurance policy through insurance carriers or their representatives. Parties we share with may include our group of affiliated insurance underwriting companies, claims representatives, courts and government agencies. We may also disclose information to vendor partners with whom you have an existing relationship through the NSO Marketplace. We will also disclose information to vendor partners with whom we have joint marketing agreements.
Through nso.com and the NSO Marketplace, you may link to web pages and websites not operated or controlled by NSO, and NSO is not responsible for the privacy practices or the content of such external web sites.
Commitment to Consumer Choice
We respect your privacy and preferences. If you wish to modify future marketing mailings, please contact us at: nso.com/choice or 1-800-247-1500.
SAFEGUARDING AND MAINTAINING PERSONAL INFORMATION
We restrict access to non-public personal information about you, which we hold, to those employees and others who need to know that information to provide products or services to you. Their right to further use the non-public personal information about you is limited by our employee code of conduct, applicable law and non-disclosure agreements where appropriate. We maintain physical, electronic and procedural safeguards that comply with applicable regulatory standards to guard your non-public personal information.
For Minnesota Residents
The disclosure of personal information among Aon Affinity Insurance Services, Inc 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 Affinity Insurance Services, Inc 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 Affinity Insurance Services, Inc 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 Affinity Insurance Services, Inc and affiliates without written authorization pursuant to New Mexico's Privacy Rule, 126.96.36.199 through 188.8.131.52 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 Affinity Insurance Services, Inc 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
Affinity Insurance Services, Inc 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 Affinity Insurance Services, Inc executes an appropriate agreement with the third party that limits the third party's use and disclosure of the personal information. Affinity Insurance Services, Inc 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).
Feel free to contact us if you have any questions about this Privacy Notice. The address and phone number you can contact should you have any questions is listed below.
Nurses Service Organization
159 E. County Line Road
Hatboro, PA 19040
Date of last revision: 01/01/15