Effective date: 9/7/2010. Last revision: 7/31/2013.
What Information We Collect
We collect and keep only information that is necessary for us to provide services under our contract of insurance with you and to provide other services you request from us. The three types of information we collect are Customer Information, Financial Information and Claimant Medical Information.
Customer Information includes identifying information such as your name, address, and telephone number. It also includes information about your transactions with us, such as the type of insurance protection we provide to you and the amount of premiums you pay. For My Account policy transactions, your email address is collected for use as a unique user name.
Financial Information includes information covered by the Fair Credit Reporting Act and such information as your credit history and certain bank account information used for electronic premium payments.
Claimant Medical Information includes information about the treatment and medical history of individuals who make an injury-related claim under our policy.
We may obtain the Customer Information, Financial Information and/or Claimant Medical Information described above from:
- your independent sales agent
- processing your claims for benefits
- your application and related forms
- consumer reporting agencies
- processing and recording your transactions
- other communications by you and from other public sources
Personal Information does not include any information that is available to the public through governmental or private organizations, state or federal court systems, media outlets, or otherwise.
What Information May Be Shared
In the normal course of our business, we may disclose information we collect about you to companies or individuals that contract with us to perform service functions such as record keeping or computer related services. When we provide personal information to a service provider, it is our expectation that these providers will safeguard your information, will use the information only for the intended purpose, and will abide by applicable law.
Access to Information
Only individuals with a valid business reason will have access to your personal information, unless otherwise permitted or required by law. We share your private, personal information with other companies, organizations, or individuals only as permitted by law or to comply with legal or regulatory requirements.
Financial and Medical Information
We will not disclose policyholder financial or medical information described above to anyone outside Brotherhood Mutual Insurance Company unless you have authorized us to do so, or as permitted or required by law. Examples of disclosures permitted by law include disclosure to organizations that provide claims administration, underwriting, investigation, or policyholder services for us or on our behalf.
Independent Sales Agents
Sales agents representing Brotherhood Mutual Insurance Company are independent, and your independent sales agent may gather and retain customer information, financial information, and/or medical information about you. The use and protection of that information by your independent sales agent is the responsibility of the agent, not the responsibility of Brotherhood Mutual Insurance Company. If you have questions about whether or how your independent sales agent uses or discloses such information, please contact him or her directly.
How We Secure Your Information
We are committed to keeping the personal information collected from our customers as confidential and secure as possible. We maintain security standards to protect your personal information, whether written, spoken, or electronic.
Information collected through the secure portion of our website is encrypted for your protection. We update and test our systems regularly to ensure the protection and integrity of information that we maintain.
What Your Rights Are
Our policyholders have the right to examine the personal customer information about them that we keep on file and to request that we correct any errors. To examine this information, please submit a signed, written request to: Customer Service Department, Brotherhood Mutual Insurance Company, 6400 Brotherhood Way, Fort Wayne, IN 46825.
What You Can Expect from Us Regarding Privacy
We recognize and respect the privacy concerns of our customers. We are committed to safeguarding your personal information. As a member of the financial services industry, we are posting this privacy notice for informational purposes and will update and post subsequent notices as changes are made or as required by law.
Web Beacons and Cookies
When you visit one of Brotherhood Mutual’s websites, we gather non-personally identifiable information such as your computer’s internet address, the browser you are using and which web pages referred you to one of our websites. We collect this information so that we can analyze the use of our websites to improve our services and your experience.
This information is generally obtained by using “cookies.” Cookies are small files that are stored on your computer, but do not include any personally identifiable information about you. Cookies help us track your visits to our websites and learn more about how you are viewing and using our sites.
Your browser and various other services allow you to opt-out of or reject cookies. The help function on your browser can provide additional information on this process. Please note that if you choose to reject cookies some features of our websites may not work properly.
The privacy policies of Brotherhood Mutual’s partnering companies and social media providers are separate from ours. Please refer to the websites of these businesses to review their specific privacy policies.