American Financial & Automotive Services, Inc., American Financial Warranty Corporation, Panoptic® Insurance, and their subsidiaries, divisions, brother/sister companies and affiliated companies ("we," "us") are committed to respecting both the privacy of our customers and the personal information which our customers provide to us in the course of our business relationship. The purpose of this notice is to advise you of the types of information we collect, how this information is used and, how this information is protected.

As an essential part of our business, we receive from you certain personal information in order to provide a financial product or service or, alternatively, to facilitate your obtaining a financial product or service from certain non-affiliated companies with whom we have business relationships. The majority of this information comes directly from the applications and other materials which you provide to us. We may, however, also seek information from other parties such as physicians, other healthcare providers, and from consumer reporting agencies. The type of information which we seek depends, of course, upon the nature of the financial product or service which you have requested. Some of the common types of information which we may obtain include addresses, social security numbers, financial information, information concerning members of your family, and current and past medical history.

We do not disclose non-public personal information about our current or former customers to any non-affiliated entity, except as permitted by law. The sorts of disclosures which we make include the following: disclosures necessary to assist you in obtaining the financial product or service that you have requested; disclosures necessary to administer the financial product or service that you have requested; disclosures that you have authorized or directed us to make; disclosures made to your legal representative; disclosures made in response to a subpoena or other judicial or legal process; disclosures made to comply with federal, state, or local laws, and to protect against or prevent actual or potential fraud.

We protect all of the personal information which you have provided to us from access by unauthorized persons or entities. Your information is disclosed only to employees, agents, or other parties requiring such information in order to provide, or to assist in the provision of, products and services which you have requested. Each of our employees and agents who will have access to your personal information receives training concerning our legal obligations regarding your information, and what he or she must do, or refrain from doing, in order to comply with such obligations. Our retention of your personal information, whether such information is in electronic or paper format, is accomplished through technologies and procedures designed to prevent unauthorized access to this information and to otherwise comply with all applicable law concerning the security of your personal information.

If you have any questions about our privacy policy, you can contact:

Privacy Compliance Officer
American Financial & Automotive Services, Inc.
1790 Hughes Landing Boulevard, Suite 700
The Woodlands, Texas 77380
(281) 296-2327

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