www.araglegal.com Open in urlscan Pro
216.81.197.218  Public Scan

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PRIVACY POLICY AND NOTICE OF PERSONAL INFORMATION PRACTICES

We are committed to protecting your privacy and your personal information that
you share with us. Here are the basics of our privacy policy and how we collect
and use your personal information. Continue reading to see the entire policy.

 * We obtain personal information from you directly and from your transactions
   with us.
 * We do not collect personally-identifying information from you when you visit
   our website or online services unless you affirmatively provide it to us.
 * We do not allow third parties to collect personally identifying information
   from your computer or mobile device when you visit our website or use our
   online services.
 * We will not sell your information to third parties.
 * Any third parties who perform services for us are required to safeguard any
   customer information and may only use it in connection with performing those
   services.
 * We extensively secure and limit access to your information.
 * We protect information about potential, current, and former policyholders.


THE INFORMATION COLLECTED

Non-public personally identifiable information ("Information") is information
that identifies you and is not available to the general public. The following
sections tell you more about how and when we collect your Information.


INFORMATION OBTAINED

 1. Personal information may be collected from persons other than you.
 2. Personal information we collect may consist of:
    * Name.
    * Address.
    * Phone number.
    * Email and IP address
    * Social Security number.
    * Date of birth.
    * Signature.
    * Bank account number,
    * Employer information if you are enrolled in a group legal plan.
    * Gender.
    * Geolocation data, audio and electronic information.
    * Internet or other electronic network activity information, including but
      not limited to, browsing history, search history, and information
      regarding our Internet Web Site, application, enrollment form or
      advertisement.
    * Court records, government records, driving records, property information.
    * Inferences may be drawn from your personal information collected.
    * Tax identification information if we conduct business with you.
    * Professional and education information.
    * These categories of information may also be collected for eligible
      dependents covered under your legal plan.

 3. Sources we may use to collect personal information:
    * Directly from you when submitting an application, an enrollment form
      and/or in your communications and transactions with us.
    * Claims submitted.
    * Attorneys and other persons who are or will become involved in processing
      your application, your enrollment form and servicing your policy or any
      claims you may make.
    * Court records, government records, driving records, property information
      to enable us to determine coverage and process claims.
    * Your interaction with our website and mobile app.
    * Your employer, if you are enrolled in an employer-sponsored legal plan.
    * Financial institution.
    * If you participate in a survey, we collect the e-mail address and contents
      of the e-mail; and information volunteered in response to the survey.
 4. The information we collect is used:
    * To fulfill our responsibilities to you, process and service your policy,
      process premium payments, determine coverage, confirm transactions,
      process and settle claims, maintain and secure your legal plan account
      with us, provide support and services, respond to inquiries, investigate
      and address your concerns, to personalize your Website experience, and for
      testing, analysis, surveys and product development.
    * To respond to law enforcement requests and as required by applicable law,
      court order, or governmental regulations.
    * As directed by you.
    * To notify you of new services and special offers.

 If you do not wish to be contacted by email for non-policy related
communications, you may unsubscribe by following the instructions at the bottom
of any ARAG email you receive or by contacting us.

If you are a policyholder or member, you can log in to your account at
ARAGLegal.com to manage your email subscriptions. To access your email
subscriptions click on My Account in the top right of the homepage, then click
on Email Address and Subscriptions on the left side of the screen. If you are
not a policyholder or member, you may unsubscribe via the footer of your email
or by contacting us.


LOCATION SERVICES FOR MOBILE APPS

Your current location is only determined if you choose to use a function on our
apps to determine your current location. If you allow your location to be
obtained using an ARAG app, ARAG will use the services of Google Maps API to
determine your estimated location. Use of this Information is solely to
distinguish your current location and not to identify you. ARAG does not
automatically track your location when you use our apps. ARAG uses the services
of Google Maps API for location services. The Google privacy policy is available
at http://www.google.com/policies/privacy and by this reference, is incorporated
into this ARAG Privacy Policy.


THE INFORMATION WE DISCLOSE

Information about our customers or former customers will only be disclosed as
permitted or required by law. Information about you or your company that has
been collected is maintained in your or your company's policy and/or claims
records.

Information about our former customers and about individuals who have obtained
quotes from us is safeguarded to the same extent as Information about our
current policyholder.

We may disclose your personal information without prior written authorization
when reasonably necessary:

 * To persons or organizations who need the information to perform a business,
   professional or insurance function for us or you. For example, businesses
   that assist us with administrative functions or marketing. When we disclose
   personal information for a business purpose, we enter into 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 in performing
   the contract.
 * To an insurance institution agent or insurance-support organization to
   perform its function in connection with an insurance transaction involving
   you or to collect information for the purpose of detecting and preventing
   insurance crimes or fraudulent claims.
 * To those persons involved in processing your application, enrollment,
   processing transactions, investigating claims, concerns and complaints. This
   may include investigators and attorneys who need the information to
   investigate or settle a claim involving you as well as another insurance
   company if you are involved in an incident with their insured.
 * To an insurance regulatory authority or a law enforcement or other
   governmental authority pursuant to law or subpoena or to protect our legal
   interests or in cases of suspected fraud.
 * For the purpose of conducting actuarial or research studies in which you will
   not be identified in any report and any materials that do identify you will
   be destroyed as soon as they are no longer needed. The research organization
   agrees not to disclose the information unless permitted by law.
 * To a person who agrees that their only use of the information will be in
   connection with the marketing of a product or service and no privileged
   information or personal information relating to your character or protected
   class information will be disclosed.
 * To an affiliate whose only use of the information will be in connection with
   an audit of the insurance institution or agent or the marketing of an
   insurance product or service and the affiliate agrees not to disclose the
   information for any other purpose to unaffiliated persons.
 * To a group policyholder for the purpose of reporting claims experience or
   conducting an audit of the insurance institution’s or agent’s operations or
   services, provided the information disclosed is reasonably necessary for the
   group policyholder to conduct the review or audit.


ACCESS TO YOUR PERSONAL INFORMATION

You have the right to submit a request for your personal information that we
have as well as submit a request to correct or amend any personal information
that you feel is incorrect or incomplete. You also have the right to request we
delete any of your personal information we have collected unless we are exempt
from honoring your request under the law. We will not discriminate against you
for exercising any rights you have. You may submit your requests to ARAG via the
following:

Mailing address:

Privacy Administration
Attention: Legal Department
ARAG North America, Inc.
500 Grand Avenue, Suite 100
Des Moines, IA 50309

Or email us at legal@ARAGlegal.com.

Or via our website https://www.araglegal.com/ using the “Contact Us” tab


CONFIDENTIALITY AND SECURITY

We restrict access to your Information to employees who we have determined need
it in order to provide products or services to you. We train our employees to
safeguard customer information, and we require them to sign confidentiality and
non-disclosure agreements. We maintain strict physical, electronic, and
procedural safeguards to protect your Information from unauthorized access by
third parties.


ADDITIONAL INFORMATION FOR OUR INTERNET USERS

We continuously improve our websites. We are interested in how visitors use our
websites, what they like and dislike, and where they have problems. We may
gather data on how users navigate our site so we can make ARAGlegal.com and
ARAGgroup.com easy places to do business. Our tools may gather data such as what
browser a person uses or even what pages are most popular.

We receive and store certain types of information from you whenever you interact
with our Sites. Like many other websites, we store “cookies” and other web-based
files on user devices to get certain types of information when your web browser
accesses our Site.

We use cookies to improve your experience while using our websites and our
internet apps. Cookies are small files that are stored on your computer. They do
not contain any personally identifiable information about you. They help us
personalize your experience when you return to our website, and they are
required for certain portions of our website. Most browsers let you determine
whether or not you accept our cookies. If you don't use cookies, you won't be
able to use certain ARAGlegal.com or ARAGgroup.com features, such as keeping
your product in your cart until you are ready to purchase.

ARAGgroup.com and ARAGlegal.com may place small pieces of computer code
(embedded objects) on our pages to help our advertising partners such as, Google
Adwords or Facebook, count how many customers they referred to our site. We may
also use objects placed on other sites to monitor your exposure to our
advertising or other offers online. These objects don't collect any personally
identifiable information about you. Please click
http://www.networkadvertising.org/managing/opt_out.asp to learn more or "opt
out" of the persistent cookies and targeted advertising delivered by these
vendors.

We also provide some links to third-party websites that are not owned by ARAG.
ARAG has no control over their privacy practices and assumes no responsibility
in connection with your use of their websites. We recommend that you check the
privacy policy of any website before you provide any personally identifiable
information.


CHANGES TO THIS PRIVACY POLICY

We may modify our privacy policy from time to time. The most recent version is
always posted at ARAGlegal.com.


WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS

If you have a concern about privacy or security at ARAG, we want to hear about
it by mail or email.

Please write to us at:

Privacy Administration
Attention: Legal Department
ARAG North America, Inc.
500 Grand Avenue, Suite 100
Des Moines, IA 50309

or email us at legal@ARAGlegal.com.

The Effective Date of this Privacy Policy is January 1, 2020.

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© 2022 ARAG North America, Inc.

Limitations and exclusions apply. Depending upon a state's regulations, ARAG's
legal insurance plan may be considered an insurance product or a service
product. Insurance products are underwritten by ARAG Insurance Company of Des
Moines, Iowa. Service products are provided by ARAG Services, LLC. This material
is for illustrative purposes only and is not a contract. For terms, benefits or
exclusions, contact us.

Eligibility, coverage, limitations and exclusions of identity theft insurance
are governed by a separate coverage document.

Photographs depicted on this website are fictional customers and/or paid models
or actors, and are not actual customers. Publications and articles are provided
as educational material only. While every effort has been made to ensure their
accuracy, it is not intended as legal advice as individual situations will
differ and should be discussed with an expert and/or lawyer. By clicking on
third-party links provided, you are connecting to another website. We have
provided links to these sites for information that may be of interest to you.
These links and any opinions, products, services or any other sites contained
therein are not endorsed by ARAG. ARAG is not responsible for the legality or
accuracy of the information contained therein, or for any costs incurred while
using this site.

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