Definition of Personal Information and Definition of Protected Health Information
Personal information does not include anonymous or aggregated data that can no longer be used to identify a specific person, even if combined with other data. We typically do not consider business information, such as one’s position, business name, title, business email, business phone number, business address, business fax, and other similar business information, to be Personal Information. Other information that is part of publicly accessible data sources may not be Personal Information. In contrast, “Protected Health Information” or “PHI” is information, including demographics, which relates to your past, present, or future physical or mental health, and the provision or payment of healthcare, that is created or received by a “Covered Entity”, such as certain “Health Plans” that we offer. The protection of PHI is governed by our Notice of Privacy Practices.
Personal Information Directly from You
When you contact Americo, our Affiliates, or inquire about our products and services through our Site, we may collect or receive your name, email address, phone number, and date of birth, so that we may respond to your inquiry.
When you make a claim, update your bank information, surrender your policy, withdraw from your claim, update your address, update your beneficiary, or otherwise seek service of your policy through our Site, we may collect Personal Information about you and information related to your request. This information may be collected through online forms, telephone, emails, and social media, and may include your name, address, policy number, bank information, address, and beneficiary information. We use the collected information to process and respond to your request.
Personal Information from Agents and Brokers
When you inquire with an insurance agent or broker about our products or services or apply for our products or services through them, we may receive Personal Information from them such as your name, address, email address, and phone number.
Agents and brokers may also provide us with certain biographical information about you, including social security number and health-related information (such as age, weight, smoking habits, etc.) about you and your family members in the application process.
Personal Information from Non-Affiliates
When you apply for products and services from a non-affiliate insurer whose policies we administer, we may receive Personal Information such as your name, address, email address and phone number. We may receive certain biographical information about you. We may also receive health-related information (such as age, weight, smoking habits, etc.) about you and your family members.
We may also receive Personal Information from other non-affiliated third parties who supply us with information after you have executed a specific authorization. For example, you may authorize Americo or other insurers to share or obtain Personal Information with or from MIB, Inc., which operates an information exchange for insurers used to assist in the underwriting process.
The collection, use, processing and disclosure of your Personal Information by non-affiliate third parties is governed by their own privacy policies, so please review those policies or contact those companies directly.
Information from Visitors to our Site
When you visit our Site, we may collect non-Personal Information such as your IP address, device ID, browser setting, operating system, referring domain, language preferences, mobile carrier (if using a mobile device), action tags, and site activity. We do not use this information on its own to trace or identify person. It is collected even if you cancel or do not complete a purchase, registration, or order.
We share this non-Personal Information with our third-party vendors to help operate our Site and improve your experience with it. We also work with several third parties who offer analytics or deliver targeted ads online or through our apps. You can opt out of receiving targeted ads but it will not make your browsing ad-free.
Information from Cookies and Similar Technologies
Essential Cookies are necessary to provide you with products and services available through our Site. If you refuse them, it will impact your ability to access some of the Site’s functions and features.
Performance cookies help us enhance the performance and functionality of our Site, products, and services, but are not necessary for your use. Certain functions or features may become unavailable if you refuse them.
Analytics cookies collect information that is used to help us understand the use of our Site, products, services, effectiveness of marketing campaigns, or to help us customize our Site to enhance your experience.
Target cookies record your visit to our Site, the pages you have visited, and the links you have followed. We use this so we can recognize you as a prior visitor and track your activity on our Site and others you visit. These cookies remain on your device for us to use during subsequent visits to our Site. Some cookies are “persistent”, and some cookies are deleted when your browsing session has ended.
There are “do not track” or similar browser choices available to internet users with respect to online web activity. However, given the present lack of consensus of what constitutes an informed election, appropriate trigger, or breadth of scope of such choice, our Site will not operate any differently when a “do not track” signal is received or one of these browsers is used.
Use of Your Personal Information
We may use your Personal Information to personalize offers or pricing for you, to compile, analyze, and better understand the needs, demographics and behavior of our customers, and to detect, investigate, and prevent activities that may be illegal or violate our policies.
We may use your Personal Information to communicate with you about products and services we believe might be of interest and to administer promotions, surveys, contests and sweepstakes in which you might participate.
We may use the information collected by our Site, to improve the effectiveness of our marketing efforts, operations, customer experience, or as described elsewhere in this policy, to prevent against fraud and theft, and otherwise to protect our customers, our Site’s visitors, and our business.
Our employees and agents may use your Personal Information to perform their jobs and service your needs and our operations. We authorize their access to your Personal Information on a need-to-know basis, with an obligation to protect the privacy of your Personal Information.
Sharing Your Personal Information
We share your Personal Information with our Affiliated Companies and non-affiliated insurers for whom we administer policies to (1) underwrite your application for coverage, and make eligibility, risk rating, policy issuance, and enrollment determinations; (2) obtain reinsurance; (3) administer claims and determine or fulfill our responsibility for coverage and the provision for benefits; (4) administer coverage; and (5) in furtherance of our legitimate business interest in identifying and marketing other of our, or our affiliates’, products and services that may be of interest to you.
We also may share your Personal Information with non-affiliated entities who assist us in the marketing and operation of our business, our Site, and in communicating with you.
In addition, we may share aggregate, non-individual information with third parties for lawful purposes.
You may opt-out of receiving our marketing emails by clicking the “unsubscribe” link at the bottom of any such email you receive from us, or by emailing us at email@example.com.
If you opt-out from receiving marketing emails or text messages, we may still need to send you communications about your account, orders, customer service inquiries, and other matters.
California Privacy Rights
If you are a California resident, you may have certain rights with respect to your Personal Information, including the following:
- the right to “opt-out” of Americo’s sale of your Personal Information to any third parties;
- the right, with some exceptions, to have your Personal Information deleted from Americo’s possession or control; and
- the right to receive equal service and pricing from Americo even if you exercise any of your privacy rights.
California Privacy Rights
Americo Financial Life and Annuity Insurance Company
PO Box 410288
Kansas City, MO 64141-0288
For all California residents, any such inquiries shall be responded to within forty-five (45) days and at no cost to you. We must verify your identity with respect to such inquiries. Depending on the nature of the Personal Information at issue, we may require additional measures or information from you as part of that verification.
For California residents under age 18 who have publicly posted content or information, you may request and obtain removal of such content or information pursuant to California Business and Professions Code Section 22581, provided you are registered user of any Site where this Policy is posted. To make such a request, please send an email with a detailed description of the specific content or information to firstname.lastname@example.org. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that the law may not require or allow removal in all instances, even if requested.
Links to Other Sites
We are not responsible for, nor do we review or evaluate, the privacy practices or the contents of other websites whose links may appear on our Site. When you leave our Site to visit a linked site, we encourage you to review the security and privacy policies of the linked site.
We maintain a variety of security measures, including physical, electronic and administrative safeguards. No system can be completely secure, however, so you should not expect, that your Personal Information, searches, or communications will always remain secure.
You are responsible for maintaining the confidentiality of any Password used for access to our products or services. All activities that occur using your Password are your responsibility, whether you authorized them or not. If you suspect any unauthorized use of your Password or accounts, notify Americo immediately.