Joyce, Meredith, Flitcroft & Normand
Privacy Statement
January 1, 2014

JMFN recognizes and respects the privacy expectations of today’s clients and the requirements of applicable federal and state privacy laws. We believe that making you aware of how we use your non-public information (“Personal Information”), and to whom it is disclosed, will form the basis for a relationship of trust between us and the public that we serve. This Privacy Statement provides that explanation. We reserve the right to change this Privacy Statement from time to time consistent with applicable privacy laws.

In the course of our business, we may collect Personal Information about you from the following sources:

• From applications or other forms we receive from you or your authorized representative; and
• From the public records maintained by governmental entities that we either obtain directly from those entities, or from our affiliates or others.

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Our policies regarding the protection of the confidentiality and security of your Personal Information:
We maintain physical, electronic and procedural safeguards to protect your Personal Information from unauthorized access or intrusion. We limit access to the Personal Information only to those employees who need such access in connection with providing products or services to you or for other legitimate business purposes.

Our policies and practices regarding the sharing of your Personal Information:
We may share your Personal Information with insurance companies, agents and other real estate settlement providers, but we are always subject, under the Rules of Professional Responsibility, to limiting disclosure as provided in those Rules.
We may disclose your Personal Information when you direct or give us permission, when we are required by law to do so, or when we suspect fraudulent or criminal activities. We also may disclose your Personal Information when otherwise permitted by applicable privacy laws such as, for example, when disclosure is needed to enforce our rights arising out of any agreement, transaction or relationship with you.

Rights to access your Personal Information and ability to correct errors or request changes or deletion:
Certain states afford you the right to access your Personal Information and under certain circumstances, to find out to whom your Personal Information has been disclosed. Also, certain states afford you the right to request correction, amendment or deletion of your Personal Information. We reserve the right, where permitted by law, to charge a reasonable fee to cover the costs incurred in responding to such requests.

All requests must be made in writing to the following address:
James T. Normand, Security Manager
Joyce, Meredith, Flitcroft & Normand
30 Kentucky Avenue
Post Office Box 6197
Oak Ridge, Tennessee 37831


Copyright 2014 Joyce, Meredith, Flitcroft, and Normand