In this Notice, American Benefit, LLC (the “Company”) discloses information about its personal data processing practices. This Notice is effective October 19, 2020. The Company respects your privacy and is committed to protecting it through our compliance with these policies.
Each of the Company’s subsidiaries has posted a privacy notice that is specific to its personal data processing practices, which may differ from the Company’s data processing practices.
As described in more detail in this Notice, the main purpose of the Company’s collection and use of personal information is to communicate with licensed insurance agents and insurance marketing organizations and facilitate the sale of insurance products to individuals who express interest in such products.
Personnal Information we collect
The Company collects or obtains the following types of “personal information,” defined as information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device:
|Identifiers||Customers’, Consumers’ and Agents’ name
Customers’, Consumers’ and Agents’ postal and email address.
Agents’ license number, and National Producer Number.
Customers’, Agents’, and Employees’ name, address, email address, and Social Security number.
|Personal information categories listed in the California Customer Records statute||Customers’ insurance policy number.
Agents’ financial information (paid commisions).
|Characteristics of protected classifications under California or federal law||Customers’, Consumers’ and Agents’ age.
Employees’ age, race, marital status, and sex or gender.
|Commercial information||Customers’ products or services purchased.|
|Internet or other similar network activity||Information on a user’s interaction with our websites, applications, or advertisements.|
|Geolocation data||Location of website users.|
|Professional or employment-related information||Employees’ and contractors’ job history submitted to us.|
|Education information||Employees’ and contractors’ education information submitted to us.|
The Company does not collect biometric information or sensory data.
Personnal Information we collect
The Company collects the categories of personal information above from the following categories of sources:
- Directly from users when they provide information electronically, by phone, or by mail;
- Our affiliates and business partners;
- Our agents;
- Lead vendors to whom you have provided your information;
- Client referrals;
- Data verification services;
- Users’ browsers;
- Marketing vendors and advertising networks; and
- Social media, if you provide us information on social media platforms.
The Company obtains information pertaining to insurance agents primarily from the agents themselves when they choose to affiliate with the Company. The Company obtains information pertaining to consumers seeking to purchase insurance products from referrals and written and electronic consumer inquiries regarding insurance products (including through companies that assist in the delivery of such inquiries). The Company also obtains such information from its subsidiaries.
Use of Personal Information
The Company may use or disclose the personal information that it collects for one or more of the following purposes:
- Provide you products and services;
- Address your inquiries;
- Process transactions;
- Tailor the content and information that we may send or display to you;
- Where permitted, for marketing and promotional purposes, such as to provide information to you about the products and services we offer;
- Analyze use of our products and services, where permitted by law;
- Develop new products and services;
- Provide and personalize our services;
- Comply with legal obligations;
- Protect our rights, property, and safety or the rights, property, and safety of others;
- As described to you when collecting your personal information or as otherwise set forth in applicable law;
- Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our customers is among the assets transferred.
The Company uses information pertaining to insurance agents to communicate with and compensate insurance agents. The Company uses information pertaining to consumers seeking to purchase insurance products to contact such consumers and provide policy services.
From time to time, the Company may contact you via email, mail, and/or telemarketing calls, for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email, mail, and/or telemarketing calls from the Company, you may opt out of such communications by contacting us at the toll-free number or email address listed below.
Sharing Personal Information
The Company may disclose your personal information to a third party for a business purpose. The Company may share the personal information of consumers with licensed insurance agents, insurance carriers, service providers, all primarily for the purpose of facilitating the sale of insurance products to individuals who are interested in purchasing insurance products.
In the preceding 12 months, the Company may have disclosed the following categories of personal information for a business purpose: identifiers, California Customer Records personal information categories, protected classification characteristics under California or federal law, commercial information, and internet or other similar network activity.
Our website may use “cookies” to enhance user experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Cookies can also enable us to track and target the interests of our users to enhance their experience on our website. We may use the following types of cookies: advertising and analytics and social media. Usage of a cookie is not linked to any personally identifiable information on our website.
Children Under The Age of 16
Our website is not intended for children under 16 years of age. No one under age 16 may provide any information on the website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this website. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us.
Rights for California Residents
Additional privacy rights for California residents are provided here.
If you have any questions or comments about this notice, or the ways in which the Company collects and use your personal information, please do not hesitate to contact us at: