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Privacy Statement

At Louis Panciera Inc., we are committed to protecting the confidentiality of our customers’ non-public personal information. We collect information about our customers on a routine basis. The collection of this information is necessary to effect, administer or enforce a transaction that you, our customer, have authorized. Even after our business relationship ends, your personal information remains confidential. This notice describes our privacy policy and explains how we treat the information we receive about you.

Information about you is collected through your application for insurance or submission of a claim. This information may include but is not limited to:

Identification information, such as name, address, social security number, employer identification number, date of birth, age and gender.

Personal financial information, such as credit history, bank account information, employment history, wage history and bankruptcy information.

Medical information, such as a physician’s diagnosis and injury information.

Other information, such as motor vehicle reports, courthouse records, police/fire reports and reports from government agencies (i.e., Department of Transportation/Environmental Protection Agency).

How we use your information:

We use the information about you to conduct normal business activities as requested by you, our customer. Normal business includes servicing or processing an insurance product or service requested by you. Underwriting of your insurance coverage and processing claims on your coverage are normal business activities in which we engage.

How we disclose your information:

We may disclose information necessary to conduct normal business activity or activities required by law or regulation. Information may be disclosed to others to enable them to provide a business service to us. Examples of this situation would be outside medical payment review, independent adjusters servicing claims and data gathering organizations needing information for establishing rates. Information may also be sent to regulatory agencies, state insurance departments or law enforcement agencies for the prevention of fraud. We may make other disclosures of information as permitted or required by law within the scope of normal business activities.

We do not make disclosures of information for the purpose of cross-selling or marketing non-affiliated third parties’ products or services. For example, we do not and will not sell or rent your name to a mail order catalog company or other marketing ventures.

As an on-line customer, Louis Panciera Inc. wants you to know how we use the information you provide when you come to us through

We will collect information from our website only if you give it to us. We will use the information you provide only to facilitate your request(s).

Like most websites, there may be the use of "cookies" (a small text file placed on the user’s hard drive) to facilitate site navigation, provide additional security and allow you to customize your access to our website. We do not use "cookies" to collect information for distribution to third parties for any purpose. Nor do we use "cookies" to secure information from any other websites you may visit. However, we cannot guarantee that organizations that have a link on our site follow the same guidelines.

There is information about your computer hardware and software that is automatically collected which can include: browser type, access times and Internet Protocol address. We use this information for the operation of our site to maintain quality of service and to provide general statistics regarding the use of our site. We use this information for general reporting purposes only.

How we protect and secure information:

Access to your non-public personal information is restricted to those who need to know your information to provide products or services to you. Our employees are required to protect and maintain the confidentiality of your information. Employees must follow and comply with established policies and procedures regarding customer privacy. We maintain physical, electronic and procedural safeguards to secure your non-public personal information.

Former customers:

The above privacy statement remains in force when a customer relationship no longer exits with you. Louis Panciera Inc. will always keep your non-public personal information confidential.


If you have any questions regarding this privacy statement, please contact our privacy coordinator at 1-401-596NoSkype-4977.

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