Effective date: 9/7/2010. Latest Revision: 1/1/2023.
Brotherhood Mutual Insurance Company (“Brotherhood Mutual”) is committed to protecting the personal information of its employees, customers, and website visitors. This Privacy Policy describes our practices for collecting, using, maintaining, protecting, and disclosing personal information.
We collect information that is necessary for us to offer, issue, and manage insurance coverage and other related products and services. The three primary types of information we collect are Customer Information, Financial Information and Claimant Medical Information.
Customer Information includes identifying information such as your name, address, telephone number, and email address. Depending on the product or service, it may also include information about your driving history, employment history, or education.
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 health insurance, treatment, and medical history of individuals who make an injury-related claim under a Brotherhood Mutual policy.
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.
We obtain the personal information described above from the following categories of sources:
We use or disclose personal information for one or more business purposes, including:
In addition to the business purposes above, we share your personal information when it is necessary to comply with legal or regulatory requirements.
In the normal course of our business, we may disclose information we collect about you to companies or individuals that contract with us for strategic purposes or to perform service functions such as record keeping or computer related services. When we provide personal information to a strategic partner or 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.
We may disclose the personal information described under Personal Information We Collect to one or more of the following categories of third parties for business purposes:
In the preceding 12 months, we have not sold any personal information.
We use information about you to communicate with you about products, services, webinars, and events, and to provide educational communications such as risk management information, newsletters, and information we think will be of interest to you via email. You may opt out of this type of marketing communication by following the instructions at the bottom of those email communications. If you opt out of promotional or educational email communications, we may still send you non-promotional communications, such as information about your account or policy with us.
We will not disclose policyholder Financial Information or Claimant Medical Information to anyone outside Brotherhood Mutual 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.
Sales agents representing Brotherhood Mutual Insurance Company are independent, and an independent sales agent may gather and retain Customer Information, Financial Information, and/or Claimant 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 your agent directly.
We are committed to keeping the personal information collected from our customers and prospects confidential and secure. We maintain administrative, technical, and physical security controls to protect your personal information, whether written, spoken, or electronic. We update and test our systems regularly to ensure the protection and integrity of information that we maintain.
When you visit one of Brotherhood Mutual’s websites, we gather 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.
This website, online services and any products or services accessed at or through this website are intended for general adult audiences. Any parent or legal guardian may contact Brotherhood Mutual, if your child is accessing this site without your consent. Brotherhood Mutual will take reasonable steps to remove that user’s information from its records.
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.
Some jurisdictions provide consumers with certain consumer rights related to the access, correction, and deletion of their personal information. If you are a resident of a state listed below, please click on your state for additional information.
This additional information applies solely to consumers who reside in the State of California. Brotherhood Mutual Insurance Company adopts this privacy notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”), the California Privacy Rights Act of 2020 (“CPRA”), and any related regulations issued by the California Attorney General.
We have collected the following categories of personal information from consumers within the last twelve (12) months:
| Category | Examples |
| Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. |
| Personal information categories described in California Civil Code section §1798.80. | A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. |
| Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). |
| Internet or other electronic network activity information. | Browsing history, search history and information regarding interaction with an Internet Web site, application, or advertisement. |
| Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. |
| Professional or employment-related information. | Information related to a person’s current or past job history, wage information or performance evaluations. |
| Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99). | Grades, transcripts, student financial information or student disciplinary records. |
The CCPA provides California residents with the right to request that we disclose what personal information we collect, use, disclose and sell.
Right to Access
You have the right to request that we disclose the following information regarding the preceding twelve (12) months:
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information. We may deny your request if correction is not appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information that we collected from you. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies under applicable law.
We may deny your request to delete certain personal information if it is necessary to retain such information for business or legal purposes permitted under applicable laws.
You may exercise any of your privacy rights by either:
You may only make a verifiable consumer request to access personal information twice within a twelve (12) month period. The verifiable consumer request must:
Only you, or a person legally authorized to act on your behalf (an “Authorized Agent”), may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Authorized Agents
If you use an Authorized Agent to submit a request to know or a request to delete, we may require the Authorized Agent to submit proof that they have been authorized to act on your behalf. We may accept as proof either:
We may also require the Authorized Agent to verify their identity directly with us.
Confirmation and Response to Your Request
We will send you a confirmation of receipt within ten (10) days of receiving your request. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to ninety [90] days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your rights under the CCPA. Unless permitted by the CCPA, we will not:
This additional information applies solely to consumers who reside in the State of Virginia. Brotherhood Mutual Insurance Company adopts this privacy notice to comply with the Virginia Consumer Data Protection Act (“VCDPA”). Please see the general sections of this Privacy Policy for information on how we collect, use and share personal information.
The VCDPA provides Virginia residents with certain additional rights related to the processing of your personal information.
Right to Access
You have the right to request confirmation of whether we are processing your personal information. If we are processing your personal information, you have the right to request a copy of such personal information that we have collected from you.
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information if appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information provided by or obtained about you.
We may deny your request to delete certain personal information if it is necessary to retain such information for business or legal purposes permitted under applicable laws.
You may exercise any of your privacy rights by either:
You may only make a verifiable consumer request to access personal information twice within a twelve (12) month period. The verifiable consumer request must:
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response to Your Request
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to ninety [90] days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain any reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Denial and Appeal
If we deny your request to access, correct, or delete personal information, you may appeal the decision by sending an e-mail to consumerdataprivacy@brotherhoodmutual.com. Within sixty (60) days of receipt, we will respond to your appeal with information on any action taken or not taken in response to the appeal. If we deny your appeal, we will also provide a method through which you may contact the Virginia Attorney General to submit a complaint.
We will not discriminate against you for exercising any of your rights under the VCDPA. Unless permitted by the VCDPA, we will not:
This additional information applies solely to consumers who reside in the State of Colorado. Brotherhood Mutual Insurance Company adopts this privacy notice to comply with the Colorado Privacy Act (“CPA”) and any related regulations. Please see the general sections of this Privacy Policy for information on how we collect, use and share personal information.
Your Colorado Privacy Rights
The CPA provides Colorado residents with certain additional rights related to the processing of your personal information.
Right to Access
You have the right to confirmation of whether we are processing your personal information. If we are processing your personal information, you have the right to request a copy of such personal information that we have collected from you.
Right to Correct Inaccuracies
You have the right to request that we correct inaccuracies in your personal information if appropriate given the nature of the personal information or the purposes for which it is processed.
Right to Deletion
You have the right to request that we delete any personal information provided by or obtained about you. We may deny your request to delete certain personal information if it is necessary to retain such information for business or legal purposes permitted under applicable laws.
Right to Data Portability
When exercising your Right to Access, you have the right to receive personal data in a portable and, to the extent technically feasible, readily usable format. You may exercise this right no more than two (2) times per calendar year.
You may exercise any of your privacy rights by either:
You may only make a verifiable consumer request to access personal information once within a twelve (12) month period. The verifiable consumer request must:
We cannot respond to your request or provide you with the requested information if we cannot verify your identity or authority to make the request and confirm that the requested information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response to Your Request
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to ninety [90] days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will explain any reasons we cannot comply with a request, if applicable. We will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will inform you of why we made that decision and provide you with a cost estimate before completing your request.
Denial and Appeal
If we deny your request to access, correct, or delete personal information, you may appeal the decision by sending an e-mail to consumerdataprivacy@brotherhoodmutual.com. Within forty-five (45) days of receipt, we will respond to your appeal with information on any action taken or not taken in response to the appeal. If we require more time (up to sixty [60] additional days), we will inform you of the reason and extension period in writing. If we deny your appeal, we will also provide a method through which you may contact the Colorado Attorney General to submit a complaint.
We will not discriminate against you for exercising any of your rights under the CPA. Unless permitted by the CPA, we will not increase the cost of, or decrease the availability of, a product or service based solely on your decision to exercise a right under the CPA.
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. When we make changes to this privacy notice, we will revise the “last updated” date at the top of the notice.
If you have any questions or comments about this privacy policy, or if you would like to receive a copy of this notice in an alternative format, you may contact us at:
Phone: 1-888-674-6018
Email: consumerdataprivacy@brotherhoodmutual.com
Address:
Brotherhood Mutual Insurance Company
Attn: Legal Department
6400 Brotherhood Way
Fort Wayne IN 46825
Thank you for your interest in Brotherhood Mutual. We appreciate the opportunity to provide your church or other ministry with an insurance quote and will reply to your request as soon as possible.
Text to follow...
