At Heiden & Garland, Inc. we take personal privacy seriously. In the course of doing business, we may collect nonpublic personal information about individuals. This notice explains why and how we collect and use nonpublic personal information, and how we protect the confidentiality of that information.

We collect and use personal information in order to properly and effectively provide and service the insurance products we offer. For example, we may use nonpublic personal information to underwrite insurance policies, process policy claims, or facilitate billing procedures. We may collect personal information from:

* You, on applications or other forms. Information we collect may include names, address, and social security numbers. *Your transactions with us, such as payments of premiums or submission of claims. *Third parties, including doctors, employers, and other insurers. Information we collect may include medical records, employment history, and claim history. *Credit reporting agencies, insurance reporting agencies, government agencies, and medical information providers.

We do not sell nonpublic information to anyone. We do not disclose nonpublic information to our affiliates or to non- affiliated third parties, except as required or permitted by law.