We may gather information about you to provide you with our products or services. The personal information we gather comes primarily from you, the client, starting with the information you provide when we complete a fact finder, or submit an application for insurance. We seek to collect and use only information that is necessary or appropriate for the needs of our business. This may include information related to your finances, employment, income, and health. Whether you are a current or former client, we do not disclose nonpublic personal information about you to third parties, other than as required or allowed by law or as authorized by you. For example, we do not sell client lists; nor will we disclose any information about you to anyone else unless we have legitimate business purpose or need, where confidentiality is maintained, or unless you authorize us or we are compelled by law to make such a disclosure. We maintain physical and electronic controls of our files and computer records to carefully safeguard the nonpublic personal information we have gathered relating to our clients. Client files or records are only made available to our staff or representatives who need such access in the normal course of business.