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Revised January 1, 2012
We
value you as a customer. We share your concerns about privacy. We are
providing this notice to explain how we treat personal information
("customer information") that is not public. This is information we
obtain from you or other sources when we provide you with products and
services.
We want you to know that we respect your privacy; and we protect your
information.
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We do
not sell customer information.
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We do
not share your information with persons, companies, or outside
organizations that would use that information to contact you about
their products and services.
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We
expect persons or organizations that provide services on our behalf to
keep your information confidential. We also expect those persons or
organizations to use your information only to provide the services we
have asked them to perform.
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We
convey to our employees about the need to protect your information. We
have established safeguards (these are physical, electronic and
procedural) to protect this information.
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Attention
Internet users . . .
This notice provides information about your use of our Web site. This
includes:
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Use of
online data collecting devices known as "cookies;"
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Our
collection of data such as IP address (the number assigned to your
computer when you use the Internet). This also includes browser and
platform types, domain names, access times, referral data, and your
activity while using our site;
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Who
should use our web site; and
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The
security of data transmitted over the Internet.
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Below
are answers to questions you might have about privacy. You may be
wondering.. .
What do we do with your information?
We do not sell your customer or medical information to anyone. We do
not share this information with outside companies or organizations that
would use it to contact you about their products and services. If that
practice were to change, we would offer you the means to opt out of
this type of information sharing. Also, we would obtain your consent
before sharing your medical information for marketing purposes.
Your agent or broker may use your information to help you with your
insurance needs. We may also contact you about products, features, and
options in which you have expressed an interest. Without your consent,
we may provide your information to persons or organizations, as
permitted or required by law to:
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Fulfill
a transaction you have requested.
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Service
your policy.
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Market
our products to you.
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Investigate
or handle claims.
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Detect
or prevent fraud.
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Participate
in insurance support organizations. The information in a report
prepared by an insurance organization may be retained by that
organization and distributed to other persons.
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Comply
with lawful requests from regulatory and law enforcement authorities.
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These
persons or organizations may include:
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Our
affiliated companies.
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Companies
that perform services, such as marketing, on our behalf.
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Other
financial institutions with which we have an agreement for the sale of
financial products.
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Investigate
or handle claims.
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Independent
claims adjusters.
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A
business or businesses that conduct actuarial or research studies.
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People
who request information pursuant to a subpoena or court order.
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Repair
shops and recommended claims vendors.
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Your
agent or broker.
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What
kind of customer information do we have, and where did we get it?
Much of the information that we have about you comes from you. When you
perform certain transactions, you may give us information such as your
name, address, and Social Security Number. These transactions include
when you submit an application for insurance, submit a request for
insurance, submit a request for products and services we offer, or
submit a request for an insurance quote. We keep information about the
types of services you purchase from our affiliates and us. Examples of
this include premiums, account balances, and payment history. We may
collect information from our web site. This includes your activity
while using or site and information from online collecting devices
known as "cookies" (see below). We may collect information from outside
sources such as consumer reporting agencies and health care providers.
The information we collect may include the following:
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Loss
information reports.
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Motor
vehicle reports.
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Credit
reports.
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Medical
information
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How do
we protect your customer information?
We expect any company with whom we share your information to use it
only to provide the service we have asked them to perform. We
communicate the need to protect your information to all employees and
agents. We especially communicate this need to people who have access
to it. Plus, we have established physical, electronic, and procedural
safeguards to protect your information.
Note that if your relationship with us ends, your information will
remain protected. This protection will be provided according to our
privacy practices outlined in this notice.
How can you find out what information we have
about you?
You may request to see, or obtain by mail, the information about you in
our records. If you believe that our information is incomplete or
inaccurate, you may request that we correct, add to, or delete from the
disputed information. To fulfill your request, we may make arrangements
to copy and disclose your information to you on our behalf. This may be
done with an insurance support organization or a consumer-reporting
agency. You may also request a more complete description of the
entities to which we disclose your information, or the conditions that
might warrant such disclosures. Please send any of the requests listed
above in writing to
ultimatebenefitsllc@att.net
If you
are an Internet user…
Our web site, ultimatebenefitsllc.com, provides information about us,
our products services. This Privacy Statement applies to users of
ultimatebenefitsllc.com, regardless of whether the user is a customer.
In addition, as an Internet user, you should be aware of the following
. . . .
What are cookies and how are they used?
Do you log my activity on your site?
Will I receive promotional e-mails?
During the period you are logged in our site, we log IP addresses (a
number assigned to your computer when you use the Internet), browser
and platform types, domain names, access times, referral data (the last
site or URL you visited before logging into our), and your activity
while using or reviewing our site.
As part of our services, we also use cookies. A cookie is a message
sent to your browser from a Web server that is stored on your
computer's hard drive. The message is sent back to the Web server
whenever the browser requests a page from that server. Many commercial
Internet sites use cookies. While a code in the cookie file enables the
site to label you as a particular user, it does not identify you by
name or address unless you have provided us with such information (over
the Internet or otherwise) or set up preferences in your browser to do
so automatically, in which case it may identify you by name, address or
other personal information. You may opt out of accepting cookies by
changing the settings on your browser. However, rejecting cookies may
prevent you from using certain functions and you may have to repeatedly
enter information to take advantage of services or promotions.
In general, cookies allow us to identify you as a particular user and
thus provide you with a more customized service. We may also use
cookies to track and measure customer or user requests, inquiries,
preferences, interests, demographics, traffic patterns and Web site
usage, and to determine audience size and repeated usage. This
information may also be used to manage and customize our Web site's
content, layout, and services in order to improve our site, enhance
customer service, and provide tailored messages.
As indicated above, we may also use customer information to send you
promotional communications about products, features, and options that
we believe may be of interest to you. If we have your e-mail address,
we may do this by e-mail. If you do not wish to receive promotional
e-mails from us, you can inform us of your desire to be removed from
our mailing lists by emailing us at ultimatebenefitsllc@att.net.
Who Should Use Our Web Site?
Our Web site is for insurance and financial products and services and
is not intended for children. We offer insurance and financial products
and services and thus do not market any products or services to
children under the age of thirteen or knowingly collect any information
from children under the age of thirteen. If we become aware that
information is or has been submitted by or collected from a child under
the age of thirteen, we will delete this information.
What security procedures do we use to guard
against the loss, misuse, alteration, or theft of information while
that information is being submitted over the Internet?
We use the Secure Socket Layer (SSL) protocol, secure servers and
security protocol to safeguard the information you submit.
To help ensure the security of your personal and financial information
that you submit to us (other than via an e-mail message), we use
security software to encrypt the information before and during its
transmission through the Internet. We only allow information to be
submitted for transmission if your browser is compatible with our
security software. If your browser is not compatible, you will receive
a message indicating your transaction can be completed but at a lower
level of security.
E-mail messages are not secure. Our security software does not encrypt
e-mail messages. E-mail messages traveling through the Internet are
subject to viewing, alteration, and copying by potentially anyone on
the Internet.
We take seriously the issue of safeguarding your privacy online.
However, please note that you should exercise discretion with respect
to the submission of any personal or financial information via e-mail.
Please keep in mind that transmitting information via e-mail over the
Internet is never completely secure and thus any information submitted
may be intercepted, collected, used or disclosed by others. If you are
concerned about the security of your communication, we encourage you to
send your correspondence through the postal service or use the
telephone to speak directly to us. We are not responsible for the
security or confidentiality of communications you send to us through
the Internet using e-mail messages.
What can you do as a customer to help maintain the
security of information when accessing ultimatebenefitsllc.com?
One step you can take to maintain the security of your information is
to utilize the latest, generally proven version of the Netscape,
Microsoft Explorer or the America Online browsers. Our site is most
secure when using one of these browsers.
Whose Privacy Statement applies to Links and
Co-Branded Sites?
This Web site contains links to other sites as a convenience to persons
who visit ultimatebenefitsllc.com. If you choose to use the services
provided by those sites, you may be asked by those sites to provide
certain personally identifiable information (some of which may, on an
individual or aggregated basis, be shared with us). Please be aware
that we are not responsible for the privacy practices of those sites,
even though our name or logo may appear on those sites. We encourage
you to be aware when you leave our site and to read the privacy
policies of each and every Web site that you visit, as the privacy
policies of those sites may differ from ours. Our Privacy Statement
applies solely to this Web site.
We hope you have found this Important Notice helpful. If you are not
comfortable with any of the terms or policies described in this Privacy
Statement, we ask that you discontinue use of our site. Please be aware
that we may periodically update or revise this Privacy Statement. If we
change our online Privacy Statement, we will post a notice on our
homepage notifying users that the policy has been revised. If you have
any questions or would like more information, please don't hesitate to
contact us at ultimatebenefitsllc@att.net.
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