Privacy Policy and Terms of Use

WCTI takes your personal privacy seriously. Because we value our customer relationships, we do not sell customer information. We will only share your information for the purposes of placing your insurance, and as otherwise permitted by law.  This Privacy Disclosure outlines our information sharing practices to help you understand how we protect your privacy, when we collect and use information about you, and the measures we take to safeguard that information.

Information We Collect

We collect nonpublic personal financial information about you as required by the insurance companies including:

• Information we receive from you on applications or required questionnaires, such as your occupation, current employer and social security and driver’s license numbers.
• Information about your transactions with us, our affiliates, or previous insurers; such as your policy coverage, claim information, premiums and payment history.
• Information we receive from a consumer reporting agency which is obtained for the purpose of ascertaining credit histories.
• These reports are obtained as underwriting tools to determine bill paying habits and credit worthiness. These reports are not subject to race; gender or income.
• Motor vehicle reports may also be requested from the State to disclose driving history.

Information We Share

We do not disclose any nonpublic personal financial information about our customers or former customers to anyone, except as permitted by law.  For example, we may disclose nonpublic personal financial information about you to market your insurance coverage directly with insurers and providers. We also may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other insurers or providers with whom we have joint marketing agreements.

Information Security

We restrict access to nonpublic personal financial information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal financial information.

WCTI grants permission to view, copy, print and distribute the information found on this Web site provided that the above copyright notice appears on all copies, use is for internal informational purposes only, and no modification is made to any materials. Any other use, reproduction or distribution must be first approved by WCTI.

NO WARRANTIES. WCTI makes no representation or warranty whatsoever and assumes no responsibility or liability whatsoever in connection with the accuracy, completeness, or currency of the materials or the suitability, functionality, or operation of the materials on this or any other site which may be hyperlinked to this site. WCTI is in no way responsible for the views, content or accuracy of any site that is either hyperlinked to or from this site, nor does WCTI endorse any content or products that may be advertised or noted on these sites. Information on this Web site is subject to change at any time without prior notice.

LIMITATION OF LIABILITY. WCTI provides these materials and Web site on an “AS IS” “WHEN AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON- INFRINGEMENT. IN NO EVENT WILL MSUSA BE LIABLE FOR ANY DAMAGES, INCLUDING BUT NOT LIMITED TO SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR FOR ACTS OF NEGLIGENCE ARISING IN CONNECTION WITH ANY INFORMATION, RESULT, ERROR, OMISSION, DEFECT, DELAY OR SYSTEM MALFUNCTION RELATING TO CCMSI’S WEB SITE REGARDLESS OF WHETHER CCMSI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Access to this Web site may be monitored and use of this site constitutes consent to monitoring.

WARNING: Unauthorized access to secured databases or circumvention of security measures on this Web site may be a violation of state and federal laws. Read our Privacy Policy.