Horizon Agency, Inc. is firmly committed to protecting your privacy and the confidentiality of any personal information about our customers that we might possess or acquire. We understand your privacy and security concerns regarding the information we collect, use and disclose to third parties for the purpose of allowing us to provide and offer our products and services to you. We have developed internal standards, policies and procedures for the protection of customer information, and we strive to maintain the accuracy of customer information and will promptly respond to any questions or concerns customers may have about the accuracy of their personal information. In addition, we adhere to high ethical standards as to the confidentiality of customer's information, and we will only use personal information in compliance with applicable laws and regulations. Horizon Agency, Inc maintains physical and electronic safeguards to protect the information we acquire, including restricting access about you to employees who need to know that information to provide you with products or services we feel would be useful to you. We periodically review our systems to assess its security. We do not sell client information for any reason whatsoever. We may collect non-public personal information about you from the following sources: 1. information we receive from you on applications or other forms. 2. information about your transactions with us; and 3. information we obtain from a consumer reporting agency. We do not disclose non-public personal information about you to others unless the disclosure is necessary to conduct our business and is permitted by law.