Privacy Policy

Privacy Policy

This Policy describes the types of information collected from visitors to our websites, applicants for, purchasers of, or claimants under our insurance policies. It also describes how that information may be used, your rights to access or update your information, and how you can limit its use or disclosure.

Summary

We use Personal Information to conduct our business. By way of example, we may require Personal Information to underwrite an insurance policy or adjust a claim or use it to evaluate the impact of our marketing efforts. We understand and appreciate the trust our customers and others place in us to protect that information from unauthorized access and use it as described in this Notice, in a lawful manner, and consistent with reasonable expectations.

We take our privacy obligations seriously. Among other steps we have taken:

our Chief Compliance Officer is responsible for implementing privacy.

Information We Collect

Personal Information

To conduct our business, including by operating our website, we collect certain Personal Information from or about you.

You also may choose to provide Personal Information to us – for example, by sending an e-mail, registering for online account management, participating in a survey or responding to feedback or a “contact us” form. We may use your Personal Information to evaluate your needs and contact you to discuss what you may find helpful. Please notify us at [email protected] if you do not wish to receive such contact.

Website Browsing Information

We use automated technologies such as Cookies, Pixels, and similar technologies to collect information about your internet-connected devices and use of our website. This information may include your IP address, browser characteristics, operating system, domain name, the site from which you enter our website, dates and times of your visits, the language your system uses, and the country and time zone in which your device is located. These automated technologies also permit the collection of “clickstream data,” which may include information about the content you access while browsing our website (such as the pages you visit and how much time you spend on each page).

Insurance Applicants, Policyholders, and Claimants

Our Notice of Information Practices describe other types of Personal Information we may collect from or about you if you are an insurance applicant, policyholder, or claimant.

Your Choices

Cookies

Our website uses cookies.

You can change the settings on your browser to notify you each time a Cookie is sent to you or to reject all or certain kinds of Cookies; some of these browsers may block Cookies by default. For information on how to change your browser settings, please click on the appropriate link below.

If you choose to reject Cookies, Our Websites may not function properly for you.

Website Analytics

For information about Google Analytics please click on this link:

https://www.google.com/policies/privacy/partners/. To opt-out of Google Analytics, please copy and paste “tools.google.com/dlpage/gaoptout” into your Browser and download the Google Analytics opt-out browser add-on.

WE DO NOT SELL NOR SHARE YOUR PERSONAL INFORMATION

Security

We Are Serious About Security

We work hard to prevent unauthorized access to your information. We have appointed a Chief Compliance Officer who is responsible for privacy, and we educate our employees, insureds, and distribution partners about the importance of privacy and information security. We also use appropriate security measures in our efforts to safeguard and protect the confidentiality of your information, prohibit the unlawful disclosure of it, and limit access to it. We sign contracts with our service providers and suppliers who have access to your Personal Information that require them to use appropriate security measures.

Our information security program focuses on six key areas:

Proactive cybersecurity, including cyber threat hunting, ethical hacking campaigns, and periodic cybersecurity program assessments.
Reactive cybersecurity processes that we regularly test using incident response and disaster recovery exercises, based on realistic scenarios.
Endpoint controls that provide data encryption, threat detection, malicious software defense, and data backups.
Identity and access management controls that include multifactor authentication and additional safeguards for staff with elevated privileges.
Employee cyber risk awareness programs that leverage general education, role-based training, and simulated phishing attacks; and
Third-party risk management and security standards that include due diligence, continuous monitoring, and cyber risk scoring.

How We Treat Social Security Numbers

In some instances, we may need to collect, other than through e-mail, and use Social Security Numbers (“SSNs”). We safeguard and protect the confidentiality of SSNs, prohibit the unlawful disclosure of SSNs, and limit access to SSNs to those employees or service providers who require access to that information.

Children

We do not knowingly seek information from or about children under the age of 13 online, and We do not knowingly market any of our products to children under the age of 13 online. If We become aware that a child under the age of 13 is attempting to or has submitted information to us via our website, we will delete the submitted information.

Definitions

Browser means an internet website browser such as Internet Explorer, Edge, Chrome, Safari, Firefox, or Opera.

Cookies, Pixels and Similar Technologies Include:

Cookies are small data files sent from a website’s server and stored on your device’s hard drive either for the duration only of your visit – session cookies – or for a fixed period – persistent cookies. Cookies contain information that a web server can later read.

Pixels or web beacons are small, generally transparent images embedded in web pages, applications, and emails. They also may be called “clear gifs,” “single-pixel gifs”, “page tags” or “web bugs.” We may use pixels to track the web pages you visit, test the effectiveness of Our marketing, and find out if an email has been opened and acted on.

Java Scripts are snippets of code embedded in parts of websites and applications. They help facilitate a variety of operations, including monitoring usage of various online components.

Personal Information means any information that could reasonably be used to identify you, including your first and last name, your home address, email address, telephone number, social security number, IP address, or geolocation data. For purposes of the California Residents section of this Notice, Personal Information takes the meaning assigned in the California Consumer Privacy Act of 2018.

we, our or us refers to BenefitsForConsumers and its member insurers.

Changes To This Notice

We may change this Notice and User Agreement from time to time and we encourage you to review them regularly.

At least thirty (30) days before any material changes to this Notice take effect, we will put a link on our website describing those changes. If the changes concern how we treat your Personal Information already in our care, custody, or control, we will email you about the changes. Your continued use of the website after our new notice becomes effective tells us that you have accepted the changes we made.

United States Audience

We only are licensed to sell our insurance products in the United States. Our website is designed for use in the United States. It is neither directed to nor intended to be used by any person or entity in any other jurisdiction or country.