The material presented on this website is for informational purposes only.  It is not intended as legal advice or any other type of professional advice and should not be construed or interpreted as such. If such advice is needed, the DOI recommends that you seek the services of a competent professional for the specific advice or services needed. 

The materials posted on this website have been posted with the permission of the author or owner.  Any unauthorized use of the information on this website is at the user's own risk.

This website contains links to other websites.  The links may lead you to other sites.  The Department of Insurance does not sponsor, warrant, endorse or otherwise approve the information, materials or documents or the accuracy of any information appearing on these sites.

The information appearing on this site is for general informational purposes only.  While the Department tries to keep the information appearing on its site up‑to‑date, we make no representations or warranties of any kind, either express or implied, about completeness, accuracy, reliability, suitability, or availability with respect to the website, the information, other links, or related products, services, or graphics contained on the website for any purpose.  Any reliance placed on this information is strictly at your own risk.

In no event shall the Department or the State of South Carolina be liable for any loss  or damage whatsoever, including without limitation any indirect or consequential loss or damage, arising from or out of or in connection with any loss of data or profits, arising in connection with the use of this website.  Moreover, neither the Department not the State of South Carolina will be liable for unavailability of this website or any of its applications for any reason whatsoever.

Privacy Statement                                                                                                                                                                     

In general, the South Carolina Department of Insurance  (SCDOI) policies governing the collection and dissemination of personally identifiable information follow the same rules that would apply to an in-person visit to a government office, and are governed by the same state and federal laws that cover such visits. 

The purpose of the statement is to inform users of this site with regard to the collection and use of personally identifiable information. Nothing herein should be construed to, nor does it, create any new or different rights than those available under existing State and federal laws. 

Definition of Personally Identifiable Information
For the purposes of this statement, "personally identifiable information" means any information relating to an identified or identifiable individual who is the subject of the information. This includes information such as names, addresses, social security numbers and credit card numbers.

Personally Identifiable Information Not Routinely Collected
Users are not required to provide personal information simply to visit the SCDOI Web site or to download information. Government agencies may request personally identifiable information in order to provide requested specialized services, but such information is handled as it would be on an in-person visit to a government office. 

Personally Identifiable Information that May Be Subject to Public Disclosure
In the State of South Carolina, laws exist to ensure that government is open and that the public has a right to access appropriate records and information possessed by a government agency. At the same time, there are exceptions to the public's right to access certain records in order to preserve the privacy of individuals. Such exemptions are authorized by both State and federal laws. Information collected by the SCDOI, like information collected during an in-person visit to a government office, may be subject to inspection and copying by the public, unless such an exemption in law exists. In the event that there is a conflict between this Privacy Statement and a State or federal law governing the disclosure of public records, the applicable State or federal law shall control. 

The Family Privacy Protection Act of 2002 prohibits persons or private entities from using any personal information obtained from the SCDOI's Web site for commercial solicitation purposes. A person knowingly violating this prohibition is guilty of a misdemeanor and subject to the penalties specified in S.C. Code Ann. Section 30-2-50(D).

Use, Collection and Retention of Personally Identifiable Information
The IP (Internet Protocol) addresses of computers used to visit the SCDOI Web sites are noted as part of the statistical analysis used to better design government services and improve access to them. However, the SCDOI does not attempt to gain personally identifiable information on individual users or to associate individual users with IP addresses.

The SCDOI collects, retains, and uses personal information about constituents only when they choose to subscribe to a SCDOI service. The SCDOI collects, retains, and uses personal information only when it is lawful and is essential to administer and to provide products, services and other opportunities requested by a constituent.

Use of Cookies
The SCDOI Web site does not create “cookies.” However, some applications available via the State’s network create "cookies" to hold user information. These "cookies" are then sent to, and stored on, the user's computer. Any application or Web page that uses "cookies" will identify itself as such. This information is handled in the same way as other personally identifiable information obtained by State systems. No user information will be gathered through the use of "cookies" except that which is required to run the specific application(s) being accessed by the user.

Use of Constituent E-mail Addresses
E-mail addresses obtained as a result of requests to the SCDOI Web site will not be sold or given to any organization outside of the SCDOI for marketing purposes. The information collected is subject to the access and confidentiality provisions of the State's Freedom of Information Act and other applicable sections of the South Carolina Code of Laws and/or federal law. E-mail or other information requests sent to the SCDOI Web site may be maintained in order to: respond to the request, forward that request to the appropriate agency, communicate updates to the SCDOI page that may be of interest to citizens, or provide the SCDOI Web designer with valuable customer feedback to assist in improving the site. Individuals will be provided with the option to subscribe/unsubscribe to communications regarding new service updates at any time.

Data Security and Quality
The SCDOI is committed to data security and the data quality of personally identifiable information that is either available from, or collected by, governmental Web sites, and has taken precautions to protect personally identifiable information from loss, misuse or alteration. Any third parties responsible for this information are committed to the same principles, and also are required by contract to follow the same policies and guidelines as the State of South Carolina in protecting this information. Unless otherwise prohibited by state or federal law, rule or regulation, individuals will be given the ability to access and correct personally identifiable information maintained by the SCDOI Web site that may be in error.

Non-SCDOI Web Sites
Various Web sites will be linked through the SCDOI. This includes Web sites of other governmental agencies, as well as Web sites of private entities. Many of these sites may not be subject to the South Carolina Code of Laws, or may operate under different privacy standards. Visitors to those Web sites are advised to check the privacy statements of those sites and be cautious about providing personally identifiable information without a clear understanding of how the information will be used.

Limiting Access to Personally Identifiable Information
The SCDOI has taken steps to limit access to personally identifiable information to SCDOI support staff who require access in order to perform their assigned duties. The SCDOI has notified and instructed its staff of their responsibilities concerning the protection of personally identifiable information.

Report Agency Fraud
To report fraud, waste, abuse, mismanagement, or misconduct within or involving a state agency, call the State Inspector General at 1-855-723-7283 (1-855-SC-Fraud), or visit the State Inspector General’s website at http://oig.sc.gov/Pages/Complaint1.aspx to file a complaint online.