A “consumer” is a person who seeks or obtains products or services from us for personal, family or household needs. Only a natural person may be a consumer.
“Personal information” is information about a consumer that is not publicly available.
We collect personal information from:
Information we collect from an insurance-support organization may be kept by them. They may disclose it to others.
We do not disclose personal information, except as required or allowed by law. Sometimes we are allowed to disclose personal information without consent.
Examples of such disclosures include:
We authorize our workers, agents, outside vendors and others to access personal information only when they have a business reason to do so. We have physical, electronic, and procedural safeguards to protect personal information from unauthorized access.
A consumer who lives in AZ, CT, GA, IL, MA, ME, MT, NC, NJ, OH, OR, VA may review personal information we have gathered about the consumer. The consumer may send a letter to: Chief Privacy Officer, 1314 Douglas Street, Suite 1400, Omaha, NE 68102-1944.
The letter should include name, address, phone number, policy number and describe the records that the consumer wants to review. Upon receipt of this request, we will review our records and inform the consumer if we have the information sought and if it is reasonably locatable and retrievable. If it is, the consumer may review the information in person or request that we mail them a copy. We will disclose to the consumer who else received the information in the past two years or who would normally have received it in the past two years. We may charge the consumer a fee.
The consumer may ask us to fix mistakes in our records. If we agree, we will correct our files. Upon request, we will send revised information to a person who received information from us in the past 2 years. If we disagree, the consumer may file a short statement of dispute. The statement will be included with information we share in the future. Upon request, we will send the statement to a person who received information from us in the past 2 years.
A consumer who lives in MT may ask for a record of medical record information we have disclosed. The consumer may send a letter to: Chief Privacy Officer, 1314 Douglas Street, Suite 1400, Omaha, NE 68102-1944.
We may change this policy at any time. We will provide advance notice of changes if required by law.