We collect information about you in order to better serve you. The information we collect, if it identifies you and is not available to the public, is called "Nonpublic Personal Information." Provided below are a few examples of the information we collect and the sources, but not all may apply to you.
Information We Collect
- Information we obtain from you:
- From your application and during the quoting or claims handling processes:
- Email Address
- Phone Number
- Social Security Number
- Driver's License Number
- Date of Birth
- Any Additional Message Included
- Information from your transactions:
- We may collect information about your transactions or experiences with us, our affiliates, or others. This information may include:
- Claims Coverage
- Vehicle Charges
- Street Address(es)
- Information from third parties:
- Where permitted by law, we receive information about you from third parties, including consumer reporting agencies. The information may include:
- Past Claims History
- Prior Insurance
- Motor Vehicle Reports
- Credit Information
Correction of Personal Information
- Residents of Arizona, California, Connecticut, Georgia, Illinois, Maine, Minnesota, Montana, Nevada, New Jersey, North Carolina, Oregon, or Virginia, have the right to access and correct the personal information that MUI has collected about/from you. Contact MUI's customer service department to do so.
How We Share Information
- We do not disclose any non-public personally identifiable information about you to anyone for any purpose that is not specifically permitted by law.
- We share information about you with our affiliates and other financial institutions that hold a financial interest in the property.
- For example, we share information with 3rd party insurance companies we are contracted with in order to help meet your current product and service needs.
- Once you submit your information to Military United Insurance it may not be retracted. You will be contacted by a representative after you submit a request through our site or an affiliate site.
- Pursuant to Title V of the Gramm-Leach-Bliley Act, you may "opt out" from dissemination of any of your non-public personal information collected by Military United Insurance. You will receive notice of this policy upon initiation of a customer relationship with us. Additionally, if the policy is amended, we will notify all current customers of the changes.
- If you maintain a customer relationship with Military United Insurance or its affiliates for a period longer than a year, you will also receive annual notice of your right to "opt out" in addition to the initial notice.
- Unless a consumer opts out, we may disclose any of the personal information that we collect from our customer or former customer to non-affiliated third party entities as permitted by federal and state law. If this policy is amended, customers will have an additional opportunity to opt out at the time the new policy is received.
- We comply with all relevant state and federal laws regarding the safeguarding of your personal information. Maintaining the security of your information is a top priority at Military United Insurance, so please contact us with any questions or concerns that you have regarding this policy.
- We restrict access to your stored non-public personal identifiable information to those employees that need to know this information in order to provide our services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your information against unauthorized access.
- To opt out, you should contact Military United Insurance customer service representative by calling 1-888-625-1794 or by mailing a written request to our mailing address listed below. Please include in your request an indication of which information (either specific or all-inclusive) that you do not wish to be shared with any non-affiliated third party entities.
How We Protect Your Information
We begin by safeguarding the security and integrity of customer information. We are committed to protecting the security and integrity of customer information, which is why our site is verified daily by the McAfee Secure service and any information you submit is encrypted and secured by a Geotrust certificate. We use procedures and technology designed to provide the highest levels of security. Any information submitted on our site is protected with 128-bit SSL encryption. Military United also uses firewalls to help protect your information. Firewalls are used at several different levels of our website, including between your computer and the webserver, database servers, and other internal production networks. These firewalls, along with Geotrust and McAfee Secure, are designed to protect our customers' information from potential hackers or others who may wish to inappropriately access your personal information. Only authorized employees have the ability to access your personal information, and they may only do so when helping serve your needs as our customer. We understand that online customers must be assured that their information will be kept secure, but understand that no system is completely secure and we cannot guarantee that your information will remain safe. You, as a consumer, should always safeguard your information and protect yourself from potential identity fraud. Rest assured that Military United does everything in its power to protect your privacy.
General Policy Provisions
- Customer Service
Military United insurance
1400 Forum Blvd, Suite 19D
Columbia, MO 65203
California Consumer Privacy Act Notice
Effective Date: 01/01/2020
This Privacy Notice for California Residents supplements the information contained in Military United Insurance’s Online Privacy Notice https://www.militaryunited.com/privacy-policy/ and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Notice.
Information We Collect
We collect 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 ("personal information"). Personal information does not include:
- Publicly available information from government records.
- Deidentified or aggregated consumer information.
- Information excluded from the CCPA's scope, like:
- Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or the Insurance Information and Privacy Protection Act (IIPPA), and the Driver's Privacy Protection Act of 1994.
In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
||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.
||Performing services, providing insurance services and customer service; protection against fraud.
|B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
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.
Some personal information included in this category may overlap with other categories.
|Protecting against fraud and providing insurance services.
|C. 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).
||Performing services and complying with state and federal law
|D. Commercial information.
||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
||Providing online products and services; for marketing and advertising purposes; providing customer service.
|E. Internet or other similar network activity.
||Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
||Providing online products and services; for marketing and advertising purposes.
|F. Geolocation data.
||Physical location or movements.
||Detecting security incidents or fraud; debugging mobile application.
|G. Professional or employment-related information.
||Current or past job history or performance evaluations.
||Providing insurance services.
|H. Inferences drawn from other personal information.
||Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
||Providing insurance and customer service; for marketing and advertising purposes.
We obtain the categories of personal information listed above from the following categories of sources:
- Directly from you. For example, from forms you complete or products and services you purchase.
- Indirectly from you. For example, from observing your actions on our Websites.
- From our affiliates.
- From third parties, such as an internet advertiser, a mortgage lead generator, your current or prior mortgage servicer, your prior insurance company, or government entities from which public records are maintained.
We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we may receive information about you from other online or offline sources, including third parties from whom we validate consumer self-reported information, and verify information we already have about you. This helps us to update, expand and analyze our records and provide products and services that may be of interest to you.
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following purposes:
- To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to apply for a loan or ask a question about our products or services, we will use that personal information to respond to your inquiry.
- To provide, support, personalize, and develop our Website, products, and services.
- To create, maintain, customize, and secure your account with us.
- To process your requests, purchases, transactions, and payments and prevent transactional fraud.
- To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
- To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
- To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
- For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA.
- To 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 consumers is among the assets transferred.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Sharing Personal Information
We may disclose your personal information to a third party for a business purpose, subject to your right to opt-out of those. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.
We share your personal information with the following categories of third parties:
- Our affiliated entities.
- Service providers.
- Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we and/or third parties provide to you.
Sales of Personal Information
In the preceding twelve (12) months, Military United Insurance has not sold personal information.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Right to Know Request - Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- The specific pieces of personal information we collected about you.
- If we disclosed your personal information for a business purpose the categories of information we shared.
Information we collect or share protected by other state and federal laws may not be included in your Right to Know response.
We do not provide these access and data portability rights for B2B personal information.
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. 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.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
We do not provide these deletion rights for B2B personal information.
Exercising Right to Know and Deletion Rights Requests
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you, or someone legally authorized to act on your behalf, 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.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us.
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 Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-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. For data portability requests, we will select a format to provide your personal information that is readily useable 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 tell you 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 CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this notice, the ways in which Military United Insurance collects and uses your information described below and in our Privacy Policies, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Military United Insurance
Attn: Customer Service
1400 Forum Blvd, Suite 19D
Columbia, MO 65203