FACTS
What does Averon Insurance 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 with this information. |
|---|---|
| What? | The types of personal information we collect and share depend on the product or service you receive through us. This information may include: • Social Security number and income information • employment information and employer information • information about insurance applications, selected products, and enrollment status 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 table below, we list the reasons financial companies may share their customers' personal information; the reasons Averon Insurance shares such information; and whether you can limit this sharing. |
| Reasons we may share your personal information | Does Averon Insurance share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your insurance transactions, maintain records for your insurance products, respond to court orders and regulatory requests, and prevent fraud | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We do not share |
| For our affiliates' everyday business purposes — information about your transactions and experiences | No | We do not share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
Questions? Call +1 (512) 781-3199, email [email protected], or visit averoninsurance.com.
Who We Are
| Who is providing this notice? | This notice is provided by Sergei Nesterov, LLC, doing business as Averon Insurance, a licensed insurance broker registered in the State of Texas. |
|---|
What We Do
| How does Averon 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, secured files, and secured buildings. We restrict employee access to personal information based on business need. |
|---|---|
| How does Averon Insurance collect my personal information? | We collect your personal information, for example, when you: • apply for insurance coverage • provide income information • provide employment information • present a government-issued identification document • provide contact information We may also receive limited administrative information from insurance companies, insurance enrollment platforms, and service providers when necessary to process your application, confirm enrollment status, or service the selected insurance product. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only: • sharing of information about your creditworthiness with affiliates for their everyday business purposes • use of your information by affiliates to market to you • sharing of your information with nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See the section below about your rights under state law. |
Definitions
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Averon Insurance has no affiliates. |
|---|---|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Averon Insurance does not share your personal information with nonaffiliates for their marketing purposes. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Averon Insurance does not participate in joint marketing. |
Other Important Information
Residents of certain states. Under the laws of California, Vermont, North Dakota, and certain other states, you may have additional rights to limit the sharing of your personal information. To exercise these rights, please contact us using the contact information listed above.