Privacy Policy Notice
December 1, 2002
PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of Massachusetts, generally prohibit us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and the laws of this State, we are providing you with this document, which notifies you of the privacy policies and practices of Sullivan, Garrity & Diggins, Inc.

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect
   
   1. Categories of Information Collected and Sources From Which We Collect It
      
      We collect nonpublic personal information about you from the following sources:
      
      1. Applications or other forms;
         
         
      2. The Registry of Motor Vehicles or other public or nonpublic agencies which maintain data necessary to properly rate or underwrite insurance;
      3. Consumer reporting agencies;
         
         
      4. Medical records or reports from medical professionals;
         
         
      5. Personal interviews with neighbors, friends, associates or other acquaintances.
         
         
      Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.
      
      
   2. Persons From Whom Information is Collected
      We may collect nonpublic information from individuals other than those proposed for coverage.
      
      
   3. Information From Credit Reports or Investigative Consumer Reports
      
      If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we do request such information, you should be aware that:
      
      1. You have the right to request to be interviewed in connection with
         the preparation of such a report. 
         
         
      2. Upon request, you are entitled to receive a copy of the report.
         
         
      3. The information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.
         
         
2. Information we may disclose to third parties
   
   
   1. We may disclose all of the information we collect, as described above, about our customers or former customers, to companies that perform marketing services on our behalf or to other financial institutions and/or licensed producers with whom we have joint marketing agreements. We also may disclose information about our customers or former customers as permitted by law.
      
      
   2. In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
      
      
   3. In addition to those circumstances above, and unless you tell us not to, we may disclose certain information about you to third parties whose only use of the information will be for purposes of marketing a product or service.  Under no circumstances will we disclose for marketing purposes any medical information; information relating to a claim for benefit or, a civil or criminal proceeding involving you; or personal information relating to your character, personal habits, mode of living or general reputation.
   
   
   
3. Your right to access and amend your personal information
   
   
   1. You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within 2 years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:
      
      
   2. To obtain access to your information: You should submit a request in writing to Shellie A. Dyke.  The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.
      
      
   3. To correct, amend, or delete any of your information: You should submit a request in writing to Shellie A. Dyke. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.
      
      
4. Our practices regarding information that our employees must access
   
   
   1. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
      
      
5. Our policy regarding dispute resolution
   
   
   1. Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
      
      
6. Reservation of the right to disclose information in unforeseen circumstances
   
   
   1. In connection with the potential sale or transfer of its interests, Sullivan, Garrity & Diggins Insurance Agency, Inc. and its affiliates [if any] reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be Sullivan, Garrity & Diggins Insurance Agency, Inc.'s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.