Privacy Policy

FACTS: What does Ratcliff & Blake Insurance Services (DBA: Butler Brown Aviation Insurance / DBA Cook & Son Agency) do with your personal information?

WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and insurance claim history
  • Medical information and transaction or loss history
  • Payment history and checking account information

When you are no longer our customer, we continue to share your information as described in this notice.
HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Ratcliff & Blake Insurance Services chooses to share and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION Does Ratcliff & Blake Insurance share? Can you limit this sharing?

FOR OUR EVERYDAY BUSINESS PURPOSE: 

Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

 Yes No

FOR OUR MARKETING PURPOSES:

To offer our products and service to you

 Yes No
FOR JOINT MARKETING WITH OTHER FINANCIAL COMPANIES Yes No

FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES:

Information about your transactions and experiences

 No We don’t share

FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES:

Information about your credit worthiness

 No We don’t share
FOR OUR AFFILIATES TO MARKET TO YOU Yes Yes
FOR NONAFFILIATES TO MARKET TO YOU No
TO LIMIT OUR SHARING
  • Call: 1-800-934-7763

Please note:  If you are a new customer, we begin sharing your information 30 days from the date we sent this notice.  When you are no longer a customer, we continue to share your information as described in this notice.  However, you can contact us any time to limit our sharing.
QUESTIONS Call  1-800-934-7763 or go to Contact Us
WHAT WE DO
HOW DOES RATCLIFF & BLAKE INSURANCE PROTECT MY PERSONAL INFORMATION?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
HOW DOES RATCLIFF & BLAKE INSURANCE COLLECT MY PERSONAL INFORMATION?

We collect your personal information, for example, when you

  • Apply for insurance or open an account.
  • Pay insurance premiums or provide your mortgage information.
  • Provide account information.

We also collect your personal information from other companies.
WHY CAN’T I LIMIT ALL SHARING?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes – information about your credit worthiness.
  • Affiliates from using your information to market to you.
  • Sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.
WHAT HAPPENS WHEN I LIMIT SHARING FOR AN ACCOUNT I HOLD JOINTLY WITH SOMEONE ELSE?

Your choices will apply to everyone on your account.

DEFINITIONS
AFFILIATES

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with a common corporate identity of MidWestOne Financial Group, Inc. such as MidWestOne Bank and Central Bank (Golden Valley, MN).
NON-AFFILIATES

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Ratcliff & Blake Insurance Services does not share with nonaffiliates so they can market to you.
JOINT MARKETING

A formal agreement between nonaffiliated financial companies that together market financial products or service to you.

  • Our joint marketing partners include insurance brokers and insurance companies.