Patrons Oxford values you as a customer and is committed to protecting the confidentiality and security of information
we collect and how and why we use this information. We do not sell or otherwise disclose nonpublic personal information
we collect, except as described herein.
Protecting Your Privacy
As a general principle, access to personal information is kept to the minimum amount necessary to provide you with our
products and to properly service your accounts. The Company restricts access to non public personal information to
those persons who have a need to know the information to perform legitimate business functions. We maintain physical,
electronic, and procedural safeguards that comply with state and federal privacy laws. Our staff is educated about
the importance of safeguarding your information and we are committed to holding them accountable for protecting your
personal information. Whenever Patrons Oxford permits an external third party to access your nonpublic personal information
they are contractually required to protect the confidentiality of customer information in a manner consistent with
our security requirements.
Information We Collect
We collect and use information that is necessary to serve you effectively and to permit us to meet your insurance needs.
Most often the personal information we receive comes from your insurance application and from information provided
when servicing your account. Depending upon the nature of your coverage, we may collect nonpublic personal information
about you from other sources such as consumer reporting agencies, state motor vehicle departments, loss information
reports, property inspection companies, other insurance companies, and others as allowed by law. In a claim situation,
we may also collect medical information to adjust the claim. The types of personal information we collect may include,
but is not limited to, social security number, credit history, credit score, and driver’s license number.
How We Use This Information
We use this information to underwrite your insurance, process claims, ensure proper billing, and service your account.
Under What Circumstances Do We Disclose Personal Information
We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted
by law. This means that under certain circumstances information can be disclosed to third parties without your authorization.
For example: We may disclose information to your insurance agent; to consultants who perform business or insurance
functions for us; to independent claims adjusters, auto appraisers, investigators, accountants and attorneys who need
information to handle your claim; to our reinsurers; to businesses that provide underwriting safety inspections, claims
and actuarial support; to consumer reporting agencies that provide us with necessary underwriting or loss history information;
to organizations involved in collecting data to help in the detection of insurance fraud or criminal activity in connection
with insurance transactions; to law enforcement, fraud bureaus, or governmental authorities as required by law; to
medical care institutions or medical professionals; to vendors who verify coverage or conduct audits of services; to
insurance rating organizations or state regulatory agencies that control insurance pricing and products; to leinholders
, mortgagees, or other parties who have a legal interest in your policy; and to authorized individuals as required
by judicial process.
Access to Your Information
You have the right to obtain certain items of information we have collected about you, and to request correction of
information if you feel it is inaccurate. If we agree, we will correct our records accordingly. If we do not agree,
we will communicate this to you. You should submit your written request to us at the address shown below. Certain information
collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available.
Patrons Oxford Insurance Company
PO Box 3820
Portland, ME 04104
Your privacy is important to Patrons Oxford. Patrons Oxford does not collect or use any personal identifiable information
such as IP addresses, E-mail addresses or browser types.
As an option, users may register and create a personal
account to provide more personalized information. Users are responsible for maintaining the confidentiality of the
user ID and password, and are fully responsible for all activities that occur under their account.
If you e-mail
Patrons Oxford, we will not use your e-mail address unless you require a response from us through e-mail.
entered into our Agent Locator (state/city) or any link to an agent's site or agent's E-mail is not collected by Patrons
This Web site contains links to other sites. It is also possible that non-Patrons Oxford Web sites
may also link into Patrons Oxford Web sites. Please be aware that we are not responsible for the privacy practices
of such other sites. We encourage our users to read the privacy statements of each web site that collects personally
identifiable information. This privacy statement applies solely to the information on this Web site.
Secure Sockets Layer
Patrons Oxford uses Secure Sockets Layer security technology. Secure Sockets Layer, or SSL, is an encryption technology
that provides secure communication over the Internet. It does this by verifying that the server you are connected is
actually one it claims to be. It also encrypts all transactions between the parties communicating. Encryption is the
scrambling of information as it is transmitted over the Internet to protect your confidentiality. Personal and credit
card information passing between your computer and many of Patrons Oxford’s services is encrypted. This means that
while your information is in transit it is scrambled so that only Patrons Oxford can reassemble it in its original
By accessing this Patrons Oxford website or any of its pages, you agree to be bound by the following terms and conditions.
Please read them carefully. If you do not agree that these terms and conditions shall govern your use of our website,
you are not authorized to access or use this site. In such event, please immediately log off this website and do not
access this site or any of its pages again. Patrons Oxford reserves the right to change or update this website anytime
at its sole discretion. All information and materials on this site are subject to revision or amendment at any time
without notice. The terms and conditions that govern your use of our website likewise may be amended at any time by
this website. Each and every time that you access the Patrons Oxford website or any of its pages, you shall be deemed
Patrons Oxford only sells insurance policies through independent insurance agents, and nothing in this site should be
construed as a solicitation or invitation for consumers to do business with Patrons Oxford on a direct basis. The information
and materials contained on this site do not, and are not intended to constitute, an advertisement, offer to sell or
solicitation in any state in which Patrons Oxford is not licensed to do business, nor with respect to types of insurance
policies which Patrons Oxford is not authorized to sell in a particular state. To review and understand the Patrons
Oxford policies and coverages that would best serve your specific needs, please contact your independent agent.
Description of Policy Coverages:
The information and product descriptions contained in this website are provided solely for general informational and
illustration purposes, as a convenience to current and prospective customers and agents of Patrons Oxford and as a
public service. The policies referenced on this site are not available in all jurisdictions, and some Patrons Oxford
policies may vary in a particular state from what is described on this site. This site does not intend or attempt to
provide full and complete descriptions of all the benefits and limitations found in policies that Patrons Oxford might
issue in a particular instance. The precise terms, coverage, conditions and exclusions of the specific written insurance
policy that Patrons Oxford actually issues and delivers in a particular instance, rather than general descriptions
on this website, will form the four corners of the contract between an insured and Patrons Oxford. Furthermore, your
eligibility to purchase any particular Patrons Oxford policy will be subject to final determination and acceptance
by Patrons Oxfordl or its authorized representatives, in their sole discretion. You should carefully review all materials
delivered to you in connection with your purchase of a Quincy Mutual policy. If you have any questions in this regard,
please contact your Patrons Oxford agent.
The information and materials on this website are provided "as is" and without warranties of any kind, either express
or implied. To the fullest extent possible under applicable law, Patrons Oxford disclaims all warranties, express or
implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose,
title and non-infringement. Patrons Oxford makes no warranty or representation that the insurance policies described
on this site are available or suitable for your needs, or that all information and materials contained on this site
are complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. Nor does Patrons Oxford
warrant or represent that the functionality of this site will be uninterrupted or error free, that defects will be
corrected, or that this website (or the server on which it runs) are free of viruses, worms or other harmful or destructive
code. Exclusions of implied warranties may not be allowed in all jurisdictions, so the above may not apply to you.
Limitation of Liability:
Patrons Oxford assumes no responsibility and shall not be liable for any damage to your computer equipment or other
property as a result of your access to, use of, or browsing in this website, or your downloading of any information,
materials, or images from this site or arising in connection with any failure of performance, error, omission, interruption,
defect, computer virus, delay in operation or transmission, or line or system failure. You, and not Patrons Oxford,
assume the entire cost of all necessary servicing, repair, remediation or correction.
Under no circumstances will Patrons Oxford be liable for damages of any kind whatsoever, including but not limited to
direct or indirect, special, exemplary, punitive, incidental or consequential damage, loss or expense arising in connection
with this website, or your use or inability to use this website or any content hereof, whether based on warranty, contract,
tort, or any other legal theory, and even if Quincy Mutual has been advised of the possibility of such damage, loss
or expense. Exclusion of implied warranties may not be effective in all jurisdictions.
Copyright and Trademarks:
This website is owned by Patrons Oxford. Unauthorized use of this site, and/or the materials contained herein may violate
applicable copyright, trademark or other laws. Our corporate seal and the trademarks, servicemarks, graphics, logos,
domain names and text on this site, except where otherwise indicated, are the intellectual property and valuable assets
of Patrons Oxford, or are used by permission of the owners thereof. Materials displayed on this website may be downloaded
for personal, non-commercial use only, provided all copyright and other proprietary notices contained on the materials
are retained. Otherwise, no part of the information and materials on this website may be reproduced, stored in a retrieval
system, or transmitted in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without
our prior written approval.
Links with Other Websites:
As a convenience, from time to time this site may be hyperlinked to other websites which Patrons Oxford does not maintain
or control. Patrons Oxford does not monitor and is not responsible for the content or security practices of any such
third-party site. If you decide to access other websites, you do so at your own risk. Patrons Oxford expressly grants
permission to all of our appointed and licensed agents to place a link on their own web pages to the home page of this
site. Patrons Oxford is proud to support the independent insurance agents with whom we do business.
You should review our Privacy Statement. It explains how Patrons Oxford may use information that it collects concerning
our customers in general, as well as persons who access this website. We do not collect any personally identifiable
information through this website unless you e-mail us and a response is required. In that event, however, Patrons Oxford
shall not be subject to any confidentiality obligations regarding your identity.
Use of this site will be governed and construed in accordance with the laws of the Commonwealth of Massachusetts, without
giving effect to its conflict of law principles.