- NOTICE OF INFORMATION COLLECTED AND DISCLOSED
This Policy tells you, among other things, what information we gather from you through our web site, how we may use or disclose that information, and our efforts to protect it. Please read this Policy carefully and feel free to contact us via the contact us form or by telephone at (800) 815-8535 if you have any inquiries, complaints or questions regarding its contents. Our postal address for our Privacy Office is P.O. Box 982010, N. Richland Hills, TX 76182-8010.
In connection with your use of our web site, we may collect the following information:
The domain name, but not the e-mail address, of visitors to our web site.
The e-mail addresses of users who communicate with us via e-mail.
Aggregate information on what pages on our web site users access or visit.
Information volunteered by the user, such as site registration, e-mail update requests and product or service related inquiries.
Information about your transactions with us or others.
From time to time, we may also disclose information to fulfill certain legal and regulatory requirements or if we believe, in good faith, that such disclosure is legally required or necessary to protect others’ rights or to prevent harm.
You may choose to restrict our use of your information. If you are a user of our web site or services, you may restrict distribution of your information by indicating such restrictions in your account when asked. On our web site, you have the option to remove your name and personal information from any information that will or may be disclosed to a third party although disclosures to law enforcement or to meet other legal requirements may still be required.
You may exercise your choice to “opt-out” of providing personal information in many ways. When selecting certain services or features of our web site, you can choose whether to share personal information with respect to the particular service or feature. If you receive communications from us that you do not want to receive, you can opt-out from receiving these communications, by deleting your registration profile from our database or specifically telling us to stop sending them to you.
You may also “opt-out” entirely from providing personal information to us by not providing information or registering on our web site. You may also choose at a later date to have your name removed from our database. However, certain sections of our web site do require registration in order to use these sections and services. If you choose not to register or provide certain information, these sections will not be available for your use.
- ONWARD TRANSFER (TRANSFERS TO THIRD PARTIES)
If we propose to disclose your information to a third party that is acting as our agent or on our behalf, we will ensure that the third party has agreed to assure adequate protection of your information.
You can access your information by logging into your account on the web site. Once there, you can modify, correct, amend or delete your information. Ordinarily, we will not restrict access to your information except in rare cases where we reasonably believe that the rights of persons other than yourself would be violated.
Your account containing your information is password-protected. Only those who log on with your password can access your account. We have taken appropriate security measures to protect your personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction. However, please remember that you play a valuable part in security as well. You are responsible for protecting your password for accessing your account. After you have finished using the web site, you should log off and exit your browser so no unauthorized persons can use our web site with your name and account information. Furthermore, if you provide any information to parties who operate web sites that are linked to or from our web site, different rules may apply to their collection, use, or disclosure of your personal information. We encourage you to review the privacy policies of such other sites before revealing any sensitive or personal information. Regardless of the precautions taken by you or by us, “perfect security” does not exist on the Internet. We cannot ensure or warrant the ultimate security of any information you transmit.
- DATA INTEGRITY
We seek to ensure that your information is reliable for the use you intend, and that it is accurate, complete, and current. To assist us in ensuring that your information is relevant on an ongoing basis for its intended purposes, we encourage you to update your information on the web site as frequently as is necessary. This can be done by entering our web site, signing in using your e-mail address and password. After your account information is displayed you can submit your modifications to us. We may periodically send you a notice asking you to visit the web site and update your information.
A cookie is a small data file that certain web sites write to your computer’s hard drive when you visit those sites. A cookie file can contain information such as a user ID that a web site uses to track the pages you have visited. A persistent cookie allows the web site to remember you on subsequent visits. We do not set persistent cookies.
- AD SERVERS
We do not partner with or have special relationships with any ad server companies.
- CHILDREN’S PRIVACY
We are concerned about the safety of children and their use of the Internet. This web site is not directed at children under the age of 18 and we do not knowingly receive, collect or use any personal or health-related information or data from children under the age of 18 for any purpose, including for any marketing purpose without prior parental consent. As used in these terms and conditions: (i) personal information includes any individually identifiable information, such as name, address, social security number, email address, or any combination of identifiers, and (ii) health information includes any information relating to health, nutrition, drug use, physical condition, mental health, medical history, or medical insurance coverage. If we receive actual knowledge that we have received any such personal information without the required verifiable parental consent, we will delete the information from our database as soon as we practically can.
- LINKING TO OTHER WEB SITES
- CHANGES IN OWNERSHIP
In the event that ownership of our Company was to change as a result of a merger, acquisition or transfer to another company, personal information that you provide to us through this web site may be transferred. If such a transfer results in a material change in the use of your personal information, we will provide notice about your choices to decline to permit such a transfer.
- EFFECTIVE DATE AND FUTURE CHANGES
INTELLECTUAL PROPERTY RIGHTS AND NOTICE
www.surebridgeinsurance.com is owned by The Chesapeake Life Insurance Company® (the “Company”). All rights are exclusively reserved to the Company. You acknowledge that the www.chesapeakeplus.com web site (the “Web Site”) may contain information, communications, software, photos, text, video, graphics, music, sounds, images and other material and services (collectively “Content”), which are provided by the Company or by licensors of the Company. You agree and acknowledge that, notwithstanding that the Company permits you to access the Content, the Content and its use or the use of this Web Site is protected by patents, copyrights, trademarks, and other proprietary rights (including intellectual property rights), that these rights are valid and protected in all media now existing or later developed, and that except as specifically provided in these Terms and Conditions, your use of the Content shall be governed and constrained by applicable patent, copyright, trademark and other intellectual property laws. In addition to the Company’s and its licensors’ rights in individual elements of the Content, the Company owns a copyright in the selection, coordination, arrangement and enhancement of the Content. You agree not to assert any claim of ownership over this Web Site, including without limitation, the Content, based on your use.
Your use of this Web Site constitutes a license, not a transfer in title. You expressly acknowledge and agree that no right is granted to you to copy (other than by printing or downloading portions for your personal use only, but not for other person’s use or for commercial exploitation), modify, alter, revise, paraphrase, omit, change, display, nor link to, perform store, timeshare, rent, lease, sublicense, publish, distribute, transmit, transfer, assign, sell, create derivative works from, or commercially exploit in any manner whatsoever any of the Content. You may not post, upload, display or otherwise transmit any materials to another web site, including but not limited to, any personal or commercial web sites or home pages. You may download one copy of the materials found on this Web Site on a single computer for your personal, non-commercial, internal use only unless specifically licensed to do otherwise in writing by the Company. You agree not to assert any claim of ownership over this Web Site, including without limitation, the Content, based on your use.
Effective Date: December 30, 2016
NOTICE OF PRIVACY PRACTICES
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
If you have any questions about this Notice, please contact our Privacy Office by calling 1-888-902-4258 or writing to Attn: Privacy Office, P.O. Box 982010, N. Richland Hills, TX 76182-8010.
WHO WILL FOLLOW THIS NOTICE
This Notice of Privacy Practices describes the practices of The Chesapeake Life Insurance Company also referred to as “We”, “Us” or “Our”).
OUR COMMITMENT TO YOUR PRIVACY
We understand that medical information about you and your health is personal and We are committed to protecting that information. We create a record of your benefits, eligibility status and claims history. We need this record to provide you with quality health care services and to comply with certain legal requirements. Hospitals, physicians and other health care providers providing health care services to you may have different policies or notices regarding their uses and disclosures of your medical information.
This Notice will tell you about the ways in which We may use and disclose medical information about you. This Notice will also describe your rights and certain obligations We have regarding the use and disclosure of medical information.
We are required by law to:
make sure that medical information that identifies you is kept private;
provide written notification to you in the event we (or one of our Business Associates) discover a breach of your unsecured protected health information. Notification will be made in accordance with federal requirements;
give you this Notice of our legal duties and privacy practices with respect to medical information about you; and
follow the terms of the Notice that is currently in effect.
We will not use any genetic information that We have collected about you for decisions regarding coverage, rates, or preexisting conditions. This is in accordance with The Genetic Information Nondiscrimination Act of 2008, also referred to as GINA.
HOW WE MAY USE AND DISCLOSE MEDICAL INFORMATION ABOUT YOU
We will not disclose your medical information to anyone, except with your authorization or as otherwise permitted or required by law. For some activities, We must have your written authorization to Use or disclose your medical information including psychotherapy notes. Although it is not our practice to sell our customer’s information, federal law prohibits Us from doing so without a valid authorization signed by you. However, the law permits Us to use or disclose your medical information for the following purposes without your authorization:
We may use and disclose your medical information in order to pay for your medical benefits. These activities may include making a determination of eligibility or coverage for insurance benefits, reviewing services provided to you to determine medical necessity, and undertaking utilization review or case management activities with respect to your claims. For example, We may use and disclose your medical information to pay your claims or process your premium payments.
Health Care Operations
We may use or disclose medical information about you for our insurance operations. These uses and disclosures are necessary to run the insurance company and make sure that our insureds receive quality service.
Here are some examples of the ways that We use your medical information for our health care operations:
creation, renewal, replacement or maintenance of your insurance contract;
placing an insurance contract for reinsurance of our insurance risks;
disclosures to medical consultants to determine the medical necessity of treatment recommended by your physician;
policy administration, underwriting and premium rating;
detection and investigation of fraud and other unlawful conduct;
recovery of overpayments;
conduct of grievances and appeals programs; and
disclosures to PPO networks for purposes of repricing claims.
We may use or disclose your medical information as necessary to provide you with information about other health-related products or services that are included in your insurance benefits, including communications about replacement of, or enhancements to, an insurance contract. For example, your name and address may be used to send you a newsletter about our organization and your insurance benefits. You may contact our Privacy Office to opt-out of receiving such materials. We will not use or disclose your medical information for marketing purposes without your written authorization.
As Required By Law
We will disclose medical information about you when required to do so by federal, state or local law. We must also share your medical information with the Secretary of the Department of Health and Human Services to investigate or determine our compliance with federal privacy laws.
To Avert a Serious Threat to Health or Safety
We may use and disclose medical information about you when necessary to prevent a serious threat to your health and safety or to the health and safety of the public or another person. Any disclosure, however, would only be to someone able to help prevent the threat.
We also may use or disclose your protected health information in the following special situations without your authorization. These situations include:
- Health Oversight
We may disclose protected health information to a health oversight agency for activities authorized by law, such as audits, investigations and inspections. Health oversight agencies include government agencies that oversee health plan administration, state insurance regulatory authorities and certain other government regulatory programs.
- Public Health Risks
We may disclose medical information about you for public health activities. These activities may include (1) the prevention or control of disease, injury or disability and (2) notifying people of recalls of products they may be using.
- Judicial and Administrative Proceedings
We may disclose medical information about you in a judicial or administrative proceeding, if the request for information is through an order from a court or administrative tribunal. Such information may also be disclosed in response to a subpoena or other lawful process, if certain assurances regarding notice to you or a protective order are provided.
- Law Enforcement
We may release medical information if asked to do so by a law enforcement official: (1) in response to a court order, subpoena, warrant, summons or similar process; (2) to identify or locate a suspect, fugitive, material witness or missing person; (3) about the victim of a crime if, under certain limited circumstances, We are unable to obtain the person’s agreement; (4) about a death We believe may be the result of criminal conduct; or (5) in emergency circumstances to report a crime, the location of the crime or victims, or the identity, description or location of the person who committed the crime.
- For Specific Government Functions
We may disclose your medical information for the following specific government functions: (1) health information of military personnel, as required by military authorities; (2) health information of inmates, to a correctional institution or law enforcement official; and (3) for national security reasons.
- Workers’ Compensation
We may disclose your protected health information as authorized by, and to comply with, Workers’ Compensation laws and other similar legally established programs.
The following is a statement of your rights with respect to your medical information and a brief description of how you may exercise these rights.
You have the right to inspect and copy your medical information.
You may inspect and obtain a copy of medical information about you for as long as We maintain the medical information. We may charge you a fee for the costs of copying, mailing or other supplies that are necessary to grant your request. You have the right to choose to obtain a summary instead of a copy of your medical information.
Under federal law, however, you may not inspect or copy psychotherapy notes or information compiled in reasonable anticipation of, or for use in a civil, criminal or administrative action or proceeding. In some circumstances, you may have the right to have our decision to deny you access to your medical information reviewed. Please contact our Privacy Office if you have any questions about access to your medical information.
You have the right to request a restriction on the use and disclosure of your medical information.
You have the right to request restrictions on certain uses and disclosures of your medical information. We are not required to agree to a restriction that you request. You can restrict disclosure of information for payment or health care operations if you pay the health care provider the full out-of-pocket cost. If We do agree to a requested restriction, We will put the agreement in writing and follow it, except in emergency situations. We cannot agree to limit uses or disclosures of information that are required by law. You may request a restriction by writing to or telephoning our Privacy Office.
You have the right to request to receive confidential communications from us by alternative means or at an alternative location.
You may request that any and all confidential communications regarding your medical information be sent by alternative means or to an alternative location. For example, you may request that We contact you only in writing or at a different residence or post office box. We will accommodate reasonable requests. We may, however, condition such accommodation on your agreeing to permanent communications at the alternative location or by the alternative means. We will not request an explanation from you as to the basis for the request. Please make any such requests in writing to our Privacy Office.
You may have the right to have your medical information amended.
You may request that We amend your medical information that is incorrect or incomplete for as long as We maintain the information. In certain cases, We may deny your request for amendment. If We deny your request for amendment, you have the right to file a statement of disagreement with us and We may prepare a rebuttal to your statement and provide you with a copy of such rebuttal. Any statement of disagreement will become a permanent part of our records. To request an amendment, you must send a written request, along with the reason for the request, to our Privacy Office.
You have the right to receive an accounting of certain disclosures of your medical information.
You have a right to receive an accounting of disclosures of your medical information We have made for purposes other than disclosures (1) for our treatment, payment or health care operations; (2) to you or based upon your authorization; and (3) for certain government functions. To request an accounting, you must submit a written request to our Privacy Office. You must specify the time period, which may not be longer than six years.
You have the right to a paper copy of this Notice.
You have the right to obtain a paper copy of this Notice from Us upon request, even if you have agreed to accept this Notice electronically. To obtain a paper copy of this Notice, please contact our Privacy Office.
CHANGES TO THIS NOTICE
We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the medical information We already have about you as well as any information We receive in the future. We will post a copy of the revised Notice on the following websites: www.chesapeakeplus.com, www.surebridgeinsurance.com, or www.midwestlife.com. The revised Notice will contain on the first page, in the top right-hand corner, the effective date.
You may contact Us or the Secretary of the United States Department of Health and Human Services if you believe your privacy rights have been violated. To file a complaint with the Company, contact our Privacy Office. All complaints must be submitted in writing. No retaliatory actions will be taken against you for filing a complaint.
OTHER USES OF MEDICAL INFORMATION
Other uses and disclosures of medical information not covered by this Notice or the laws that apply to Us will be made only with your authorization. If you provide Us with permission to use or disclose medical information about you by signing a written authorization, you may revoke that permission, in writing, at any time. If you revoke your permission, We will no longer use or disclose medical information about you for the reasons covered by your written authorization. You understand that We are unable to take back any disclosures We have already made with your permission.
You may contact our Privacy Office at:
P.O. Box 982010
North Richland Hills, TX 76182-8010
Effective Date: December 30, 2016
NOTICE OF FINANCIAL PRIVACY PRACTICES
We know that the privacy of your personal information is important to you. That’s why Our Companies (The Chesapeake Life Insurance Company and Mid-West National Life Insurance Company of Tennessee, also referred to as “We,” “Our” or “Us” throughout this Notice) want you to know how We protect your privacy and the measures We take to safeguard your information. We understand the importance of protecting the confidentiality and security of nonpublic personal information about you that we may obtain during the course of the application process and/or during the course of Our relationship as insurer and insured. We have a long history of protecting Our customers’ privacy.
In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for Us, from time to time, to collect nonpublic personal and financial information about you (the “Information”) and, in certain situations, to share that Information with others. The following notice describes Our policies and practices with regard to your Information.
HOW WE PROTECT YOUR INFORMATION
We maintain physical, electronic and procedural safeguards to protect the Information against unauthorized access and use. We restrict access to the Information to those employees who need access to the Information to provide products and services to you and your dependents. The personnel who have access to this Information are trained in the proper handling of the Information. Employees who violate this strict level of confidentiality are subject to our disciplinary process.
CATEGORIES OF INFORMATION THAT WE COLLECT
In the normal course of business We may collect the following types of Information:
Information you provide on applications and other forms (including name, address, income and household information).
Data about your transactions with Us (such as type of products you have purchased and your account status).
Information gathered on Our websites through online forms, site visit data and online information collecting devices known as “cookies”.
Information available from external sources (such as publicly available records).
Information collected with your authorization from consumer credit reports (such as credit relationships and history).
Information collected with your authorization, if you apply for products such as health and life insurance.
HOW WE USE YOUR INFORMATION
We may share your Information within Our companies or with non-affiliated companies as described below:
We may share your Information among Our Companies as permitted by law, including for routine business administration.
We may share your Information with non-affiliated companies as allowed by law, such as firms that perform services on Our behalf, including the administration and marketing of Our products. We require these companies to meet strict privacy standards.
We may disclose your Information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.
ACCURACY OF YOUR INFORMATION
We strive to maintain accurate records of your Information. In order to help Us maintain accuracy, you have the right to reasonably access your Information. If you believe any Information in Our possession is inaccurate, a request can be made to amend or delete the Information that you believe to be erroneous. If We concur with the request, We will amend or delete the Information in question. You may write Our Privacy Office at the address below to receive Our complete policy on accessing and amending the Information.
CHANGES TO THIS NOTICE
We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the Information We already have about you as well as any Information We receive in the future. If We make any material changes to Our policies or practices, We will provide you with a copy of a revised Notice. We will post a copy of the current Notice on the following websites: www.chesapeakeplus.com, www.surebridgeinsurance.com, or midwestlife.com. The Notice will list the effective date on the first page in the top right-hand corner.
You may contact Our Privacy Office at:
P.O. Box 982010
North Richland Hills, Texas 76182-8010
CALIFORNIA CONSUMER PRIVACY NOTICE
This notice explains what Personal Information (“PI”) we collect about you, why we collect it, and how we use it. This notice also describes your rights regarding your PI.
What Personal Information We Collect and Disclose For a Business Purpose
We may collect the following information:
- real name
- postal address
- email address
- unique personal or online identifier
- internet protocol (IP) address
- account name
- social security number (SSN)
- driver’s license or passport number
- physical characteristics or description
- state identification card number
- insurance policy number
- employment or employment history
- bank account number, credit card number, debit card
- number, or any other financial information
- medical information or health insurance information
Characteristics of Protected Classifications
- voice prints, palm prints, finger prints
- face and iris scans
Internet Activity Information
- browsing history
- search history
- information regarding your interaction with our websites, applications, or advertisements
- Audio, electronic, visual, thermal, olfactory, or similar information
- Professional or employment-related information
How We Use Your Personal Information
We may use and disclose your PI for a number of business purposes, such as:
- To respond to an email or particular request from you
- To communicate with you
- To personalize services for you
- To process an application as requested by you
- To administer surveys and promotions
- To provide you with information that we believe may be useful to you, such as information about products or services provided by us or other businesses
- To perform analytics and to improve our products, websites, and advertising
- To comply with applicable laws, regulations, and legal processes
- To protect someone’s health, safety, or welfare
- To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action
- To keep a record of our transactions and communications
- To detect and protect against security incidents
- To debug to identify and repair errors
- As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law
We will not sell your PI and we will only disclose PI to third parties or service providers assisting us with the business purposes described under this section.
Our service providers are not allowed to use or disclose your PI other than as specified in our contract and as permitted by law.
What are Your Rights
- You have the right to request any of the following information about the PI that we collect about you:
- What PI we collect about you
- Where and from whom we collect PI about you
- Our business purpose for collecting PI about you
- The types of third parties with whom we share your PI
- The specific pieces of PI we collect about you
- The types of PI that we disclosed about you for a business purpose, and the categories of third parties to whom we disclosed your PI
- You have the right to receive the information referenced above free of charge; by mail or electronically; and in a portable and readily useable format, to the extent possible.
- You have the right to be informed about the PI that we collect about you at or before we collect it. This is that notice.
- You have the right to request that we delete any PI about you that we have. Applicable law may require or permit us to decline your request. If we decline your request, we will tell you why.
- We will honor your rights by not:
- Denying you services
- Charging you different prices or rates for services, including through the use of discounts or other benefits or imposing penalties
- Providing you with a different level or quality of services
How to Exercise Your Rights
You can submit requests for information about your PI by calling us at 1-800-815-8535 or emailing us at ConsumerAffairsGroup@SureBridgeInsurance.com.
We will request specific information from you to help us confirm your identity and process your request. We will not use that information for any other purpose.
Our responses to any of your requests for the information described above will be limited to information collected in the past 12 months from the receipt of your verified request.
Effective Date: January 1, 2020