This Privacy Notice applies to your non-public personal information (“personal information”) received by P.B.A.I.
THE INFORMATION WE COLLECT: will collect and in some cases, transmit to us your personal information. Your personal information is obtained from a variety of sources:

• Applications and other forms (e.g., name, address, employment information,) and electronically if you use our website or web-based
applications (e.g., name of the internet domain, the IP address from which you accessed the site, and the time and
date – our website uses cookies to collect individual information about you and your website usage);
• transactions and experiences with us and others, (e.g., credit card and account balances, and payment history)
HOW WE USE & PROTECT PERSONAL INFORMATION: Your personal information will be used to process the membership application and resolve claims or breaches of contract. We may provide your
personal information to others working with us who need this information for these purposes, such as attorneys and
investigators. Your personal information is used to protect against fraud, or
generally to effect, administer or enforce the terms of the transaction. Only authorized personnel are permitted
to access your personal information. We convey to our employees and appointed personel the need to protect
your personal information and require our outside vendors and service providers to keep your personal information
confidential and to use it only to provide the services we have asked them to perform.
PARTIES TO WHOM WE MAY DISCLOSE INFORMATION: We do not disclose your personal information to anyone
except as permitted/required by law – for example, to industry regulators, law enforcement agencies, credit bureaus,
subpoena, and third parties that assist us. We do not sell your personal
information to anyone, and do not share your personal information with any companies or organizations that would use it
to contact you about their products and services.
CONFIDENTIALITY AND SECURITY: We maintain physical, electronic and procedural safeguards to protect your
personal information. We ensure that your personal information is treated responsibly and consistent with our privacy
policies. We also restrict access to your personal information within our organization to those persons who must have
the information to provide services to you or to conduct our business. Persons who have access to your personal
information may use it only for our business purposes. We safeguard your personal information in accordance with
applicable laws. You have a right to review your personal information and to request that we correct, amend or delete
such information on file.
WEB PRIVACY: When you visit P.B.A.I’s website at (, the Web server automatically collects and
maintains statistical information from our site’s data logs that concern network traffic flow and volume. The information
that is collected does not identify personal information. The collected information is used to improve the usefulness of
the web site. We reserve the right to change this Privacy Notice at any time. The most up to date version of our Privacy
Notice can be found on P.B.A.I’s website.