www.mutualtrust.com
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2600:9000:223e:8800:3:fc68:58c0:93a1
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Submitted URL: https://info.mutualtrust.com/
Effective URL: https://www.mutualtrust.com/
Submission: On February 24 via automatic, source certstream-suspicious — Scanned from DE
Effective URL: https://www.mutualtrust.com/
Submission: On February 24 via automatic, source certstream-suspicious — Scanned from DE
Form analysis 1 forms found in the DOM
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<div><a href="https://agent.mutualtrust.com">AGENT ACCESS</a></div>
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<div><a href="/Site/ContactUs.aspx">CONTACT US</a></div>
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<div><a href="http://PALIG.COM ">PALIG.COM </a></div>
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<span id="NonAjaxContentPlaceHolder_PrivacyAcknowledgement_MTLLabel2">As part of our commitment to you, we have privacy policies to ensure that you understand the data we collect from you, how it is
used, and the controls you have over what you share with us. We suggest that you read our General Privacy Practices and Website Privacy Policy.</span>
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<span id="NonAjaxContentPlaceHolder_PrivacyAcknowledgement_MTLLabel3">When you use our website, you will be agreeing to our updated policies. </span>
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<span id="NonAjaxContentPlaceHolder_PrivacyAcknowledgement_MTLLabel4">I confirm that I have read and agree to Mutual Trust’s Privacy Policy, including its Website Policy, below. </span>
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<b>Mutual Trust's Privacy Practices</b>
<br> Mutual Trust Life Solutions is highly committed to protecting the privacy of our customers and the security of all confidential information that is entrusted to us. The practices that define that
protection and determine how we use and disclose information about our customers and visitors to our website are available below. <br>
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<b>MUTUAL TRUST'S WEBSITE PRIVACY POLICY</b>
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<td>Mutual Trust Life Solutions Company, a Pan-American Group Stock Life Insurance Company, and its controlled affiliates, subsidiaries and branches (collectively, "Mutual Trust'') strongly believes in
the value of privacy. As described in this Privacy Statement, Mutual Trust is committed to properly using and safeguarding the privacy of all personal information that is collected from you when you
visit and use our website. This Privacy Statement may be modified or supplemented in order to comply with specific legal and regulatory requirements. By accessing our website, you consent to the data
collection and use practices described in this Privacy Statement. <br>
<br> This Privacy Statement explains the steps we take to protect personal data collected on our website, including:<br> 1. What is covered by this Privacy Statement?<br> 2. What information we collect
from you?<br> 3. Our use of "Cookies"<br> 4. Our use of Personal Information<br> 5. Sharing of Personal Information<br> 6. International Transfers of Personal Information<br> 7. How long do we keep
Personal Information?<br> 8. How do we protect Personal Information?<br> 9. Links to Third Party Websites<br> 10. How do we manage the information of a child?<br> 11. Your Rights<br> 12. Contacting us
about privacy questions or concerns<br> 13. Privacy Statement changes<br>
<br>
<b>1. What is covered by this Privacy Statement?</b><br> This privacy statement applies to the information we collect on this website. It does not apply to any information we may collect offline or
through other means, including any other Mutual Trust website and/or third party website. <br>
<br>
<b>2. What kind of information do we collect from you?</b><br> Data collected directly from website visitors. In most instances, you can visit our website without providing any personal data. However,
on some pages, you may give us your personal data by filling out forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:<br> • request
information on our products or services<br> • create an account on our website<br> • subscribe to our blog or newsletter<br> • request marketing information<br> • enter a competition, promotion or
survey<br> • give us feedback or contact us<br>
<br>
<br> The personal data that we collect may include:<br> • contact details, such as your name, title, company/organization name, email address, telephone and fax numbers, date of birth and physical
address<br> • information about your company and job position<br>
<br> We may also collect information on:<br> • your preferences with respect to email marketing<br> • your profile including username and password, your interests or preferences, feedback and survey
responses<br> • your inquiries about our products and services, as well as information that assists us in identifying the best products and services for you<br> • contest entry and event registration
information<br> • feedback from you about our products and services, including our websites.<br>
<br> You are not required to provide any information. However, if you choose not to, we may not be able to provide you with the service you request or complete your transaction. Data collected by
automated means. We collect certain data about all visitors to our website, including what pages they view, the number of bytes transferred, the links they click, and other actions taken within our
websites. We may also use this information to improve our security measures. We also collect certain standard information that your browser sends to every website you visit, such as your Internet
Protocol (IP) address, your browser type and capabilities and language, your operating system, the date and time you access the site, and the website from which you linked to our site. <br>
<br>
<b>3. Our Use of "Cookies"</b><br> Cookies are small files that websites save to your hard disk or to your browser's memory. Our website may use them to track the number of times you have visited the
website, to track the number of visitors to the website, to determine and analyze visitors' use of our website, to store data that you provide (such as your preferences), and to store technical
information related to your interactions with our website. We may also use session cookies, which are deleted when you close your browser, to store your user ID, to facilitate your movement around our
websites. <br>
<br> Our website may also contain electronic images known as Web beacons-sometimes called single-pixel gifs-that allow us to count the number of users who have visited those pages. We may include Web
beacons in promotional email messages or newsletters in order to determine whether messages have been opened and acted upon, including whether the recipient clicked on a link in the email or forwarded
the email to another person. <br>
<br> Adjusting Browser Settings to Manage Cookies or Send "Do Not Track" Signals: <br>
<br> Many Internet browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies or to notify you when a cookie is being placed on your computer. If you
choose not to accept cookies, you may not be able to experience all of the features of our websites. Internet browsers also enable you to delete existing cookies, although this means that your existing
settings (including stored user IDs and other preferences) will be lost. Some web browsers may also give you the ability to enable a ''do not track" setting. This setting sends a signal to the websites
you encounter while web browsing. This "do not track'. signal is different from disabling tracking capabilities by declining cookies in your browser settings, as browsers with the "do not track''
setting still enabled may continue to accept cookies. Mutual Trust does not respond to web browser ''do not track" signals at this time. <br>
<br> Social Media Third Party Cookies <br>
<br> During your visit to this website, you may notice embedded content from other social media websites. These websites may also contain cookies. Mutual Trust has no control or responsibility for these
cookies. You should check the third party's cookie policy for more information. <br>
<br>
<b>4. Our Use of Personal Information</b><br> We will use personal data collected from our website only for the purposes set forth below. <br> Services and transactions. We use personal data to deliver
services or execute transactions you request, such as providing information about Mutual Trust products and services, answering customer service requests, and facilitating use of our website.
Information collected by our website may be combined with information we collect by other means, such as phone, e-mail or paper. <br>
<br> Website improvement. We may use data about you to improve our website (including our security measures) and related products or services, or to make our website easier to use by eliminating the
need for you to repeatedly enter the same information, or by customizing our website to your particular preference or interests. <br>
<br> Marketing Communications. With your permission, we may use personal data to inform you of products or services available from Mutual Trust. When collecting information that might be used to contact
you about our products and services, we will give you the opportunity to opt-out from receiving such communications. Moreover, each email communication we send will include an unsubscribe link allowing
you to stop delivery of that type of communication. If you elect to unsubscribe, we will remove you from the relevant list within 10 business days. <br>
<br> Employment Applications. In connection with a job application or inquiry, you may provide us with data about yourself, including your educational background, resume or curriculum vitae, and other
information, including your ethnicity where required or permitted by law. We may use this information throughout Mutual Trust and its affiliates for the purpose of employment consideration. We will keep
the information for future consideration unless you direct us not to do so. <br>
<br>
<b>5. Sharing of Personal Information</b><br> Your personal information may be shared with other Mutual Trust affiliates to provide the services you request. All Mutual Trust affiliates are governed by
this Privacy Statement or are bound by appropriate confidentiality and data transfer agreements. <br> Mutual Trust will share your personal information collected from our website with third parties only
in ways that are described in this Privacy Statement. We do not sell your Personal Information to third parties. Your personal information is never shared outside Mutual Trust without your permission,
except under conditions explained below. <br>
<br> Disclosure to service providers. Mutual Trust contracts or may contract with other companies to provide services, such as hosting websites, sending out information, processing transactions, and
analyzing our websites. We provide these companies with only those elements of personal data they need to deliver those services. These companies and their employees are prohibited from using the
personal data for any other purposes. <br>
<br> Disclosure for other reasons. We may disclose personal data if required to do so by law or in the good-faith belief that such action is necessary to comply with legal requirements or respond to
court orders, to protect and defend our rights or property, or in urgent circumstances to protect the personal safety of any individual. <br>
<br> Mutual Trust stores data in controlled servers with limited access. Your information may be stored and processed in the United States or any other country where Mutual Trust's affiliates are
located. <br>
<br>
<b>6. International Transfers of Personal Information</b><br> We may transfer personal information that we collect through our website to, and store such information in, countries other than the country
from which that information was initially collected or the countries from which individual site visitors may access the website. The countries, including the U.S. (and the other countries around the
world where our individual affiliates, suppliers, or business partners maintain offices), to which we may transfer such information may have different data protection laws than the countries from which
the information was initially collected or from which individual website visitors access the website. <br>
<br> By choosing to use our website and to submit personal data to us through it, you consent to the transfer of such information outside of your country. To the extent required by applicable law, when
we transfer your personal information to recipients in other countries, we will take measures to protect that information. <br>
<br>
<b>7. How long do we keep personal information?</b><br> We will only retain your personal data for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes
of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a
potential of litigation in respect to our relationship with you. <br>
<br> To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure
of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other
requirements. <br>
<br>
<b>8. How do we protect personal information?</b><br> We have appropriate security measures to prevent your personal data from being accidentally lost, used, altered, disclosed or accessed in an
unauthorized way. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your
personal data on our instructions and they are subject to a duty of confidentiality. <br>
<br> We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator or any other legally required government official of such a
breach.<br>
<br>
<b>9. Links to Third Party Websites</b><br> Our website may contain links to other websites on the Internet that are owned and operated by third parties. These websites operate independently from our
website. We do not control them and we are not responsible for the content, security or privacy practices employed by them. You should review the privacy statements of those websites to determine how
they protect and use personal data. <br>
<br>
<b>10. How do we manage the information of a child?</b><br> Our website is not intended for children under 13 years of age. We do not knowingly gather information from anyone under age 13. If we find
out that we have collected information from a child under age 13, we will delete that information immediately. <br>
<br>
<b>11. Your Rights</b><br> To the extent provided by the law of your jurisdiction, you may have the right to (I) access certain personal information we maintain about you; (2) request that we update,
correct, amend, erase or restrict your personal information; or (3) exercise your right to data portability. Where provided by law, you may withdraw consent you previously provided to us or object at
any time to the processing of your personal information on legitimate grounds relating to your particular situation, and we will apply your preferences going forward as appropriate. To exercise these
rights, please contact our Privacy Officer at (800) 323-7320, extension 5481 or seneczkoj@mutualtrust.com. <br>
<br> We try to respond to all legitimate requests within thirty (30) days. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of
requests. In this case, we will notify you and keep you updated. <br>
<br>
<b>12. Contacting us about privacy questions or concerns</b><br> If you have any questions about this privacy statement or our handling of personal data, please contact us by email to
seneczkoj@mutualtrust.com or you can write to us at: <br>
<br> Mutual Trust Life Solutions Company <br> Attn: Privacy Officer <br> 1200 Jorie Boulevard <br> Oak Brook, Illinois 60523 <br>
<br>
<b>13. Privacy Practices Changes</b><br> Mutual Trust may occasionally update this Privacy Statement. When we do, we will revise the "last update" date at the bottom of the Privacy Statement. You should
revisit this page periodically to become aware of the most recent privacy terms. Your use of the website after such changes have been posted constitutes your agreement to such changes. This Privacy
Statement was last updated as of April 16, 2019.<br>
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<b>MUTUAL TRUST'S GDPR STATEMENT </b>
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<td>As many of our customers and business partners are aware, as of May 25, 2018, a new privacy law is in effect in the European Union (EU) and the European Economic Area (EEA) called the General Data
Protection Regulation or the GDPR. The GDPR expands privacy rights granted to individuals in the EU and the EEA. The GDPR may apply to some of the activities of Mutual Trust Life Solutions Company, a
Pan-American Life Insurance Group Stock Company ("Mutual Trust") and its affiliates even though we are headquartered in the United States. We are committed to GDPR compliance across our organization and
services, and we have implemented and will continue to implement GDPR compliance efforts.<br>
<br> Leading up to the GDPR's implementation date, we have taken many steps in an effort to comply with the GDPR. We have re-assessed and updated our privacy notices. An updated General Privacy
Practices Statement has been posted on our website in order to help our customers and business partners better understand how we collect, use, share and protect their personal information and to inform
our customers and business partners how they can exercise any rights they may have under the GDPR. Please also review our updated Website Privacy Policy. <br>
<br> The GDPR also imposes certain requirements on "data controllers" and "data processors." A "data controller" is the individual or entity that determines the purpose for which and the manner in which
personal data is collected, used and processed. Mutual Trust is generally the data controller of the personal information we collect. A "data processor" is a person or entity that processes personal
information on behalf of a data controller. Data controllers and data processors are required, among other things, to enter into an agreement with one another to protect the personal information that
the data processor obtains from the data controller. <br>
<br> While we have been working on updating our privacy program in preparation for the GDPR, we recognize that protecting our customers and business partners' personal information is an ongoing process.
We continue to take steps to enhance data privacy and security for our customers and business partners, and Mutual Trust will continue to review its practices as additional guidance under the GDPR or
other applicable regulations are issued. <br>
<br> If you have any questions or comments about our privacy practices and GDPR compliance efforts, please do not hesitate to contact our Privacy Officer via email at seneczkoj@mutualLrust.c rn, or via
mail at Mutual Trust Life Solutions Company, Attn: Privacy Officer, 1200 Jorie Boulevard, Oak Brook, Illinois 60523. If you wish to discuss an issue by phone, please email us with your contact
information and best times to reach you, and we will contact you as soon as it is practical.<br>
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<b>OUR PRIVACY PRACTICES</b><br>
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<td>Mutual Trust Life Solutions Company, a Pan-American Life Insurance Group Stock Company ("Mutual Trust") is highly committed to protecting the privacy of its customers and the security of all
confidential information entrusted to us. This general privacy statement serves as a summary of our privacy practices, and serves to briefly notify you of the information we collect about you, how we
use it, how we protect it, and your rights. <br>
<br> Information Collection, Protection, and Sharing<br>
<br> • We collect personal information in connection with the products and services we offer. This may include information we receive on applications and other forms, such as name, date of birth,
contact information, tax identification number, social security number, government issued identification numbers, assets and income, medical and financial information, information about your
transactions with our affiliated companies and information we receive from third-parties, including consumer reporting and inspection services. <br> • We process your data when necessary to provide the
services and products set out in insurance contracts, or when it is required or allowed by applicable law. When we process your sensitive personal data, it will be in line with applicable law, as
necessary to provide you with our services, or with your permission. <br> • We will not rent or sell personal information to others but we may share your information as necessary to our affiliates, with
relevant policyholders, and with our business associates who help us provide services to you. We will only share your information as allowed under applicable law. <br> • We keep your personal
information in line with appropriate retention periods. The length of these periods is determined by relevant laws and regulations, the information collected, and our obligations to you as a customer.
<br> • We restrict access to your personal information only to those employees who need to know that information to provide products and services to you. <br> • Protecting your information is of the
utmost importance to us. We use technical and physical safeguards to protect the security of your personal information from unauthorized disclosure. We also take every step to ensure that only
authorized employees and third-parties with legitimate purposes have access to your personal information. <br>
<br>
<b>Your Privacy Rights</b><br>
<br> • You have the right to access your information and request corrections to your data. <br> • You may also have the right to object to our use of your information, to request the transfer of
information you have provided, to withdraw permission for our use of your information, and to ask us not to use automated decision-making which will affect you. <br> • However, certain exceptions may
apply to these rights. <br>
<br> We may change our privacy practices to comply with applicable laws and regulations. When we do, we will revise the "last update" date at the bottom of the statement. <br>
<br> If you have any questions or concerns about this notice or Mutual Trust’s privacy practices, please contact our Privacy Officer at (800) 323-7320 or by mail at:<br>
<br> Mutual Trust Life Solutions Company <br> Attn: Privacy Officer <br> 1200 Jorie Boulevard <br> Oak Brook, Illinois 60523<br>
<br> Last updated on April 17, 2019.
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Privacy Policy Acknowledgement
As part of our commitment to you, we have privacy policies to ensure that you
understand the data we collect from you, how it is used, and the controls you
have over what you share with us. We suggest that you read our General Privacy
Practices and Website Privacy Policy.
When you use our website, you will be agreeing to our updated policies.
I confirm that I have read and agree to Mutual Trust’s Privacy Policy, including
its Website Policy, below.
Mutual Trust's Privacy Practices
Mutual Trust Life Solutions is highly committed to protecting the privacy of our
customers and the security of all confidential information that is entrusted to
us. The practices that define that protection and determine how we use and
disclose information about our customers and visitors to our website are
available below.
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MUTUAL TRUST'S WEBSITE PRIVACY POLICY
Mutual Trust Life Solutions Company, a Pan-American Group Stock Life Insurance
Company, and its controlled affiliates, subsidiaries and branches (collectively,
"Mutual Trust'') strongly believes in the value of privacy. As described in this
Privacy Statement, Mutual Trust is committed to properly using and safeguarding
the privacy of all personal information that is collected from you when you
visit and use our website. This Privacy Statement may be modified or
supplemented in order to comply with specific legal and regulatory requirements.
By accessing our website, you consent to the data collection and use practices
described in this Privacy Statement.
This Privacy Statement explains the steps we take to protect personal data
collected on our website, including:
1. What is covered by this Privacy Statement?
2. What information we collect from you?
3. Our use of "Cookies"
4. Our use of Personal Information
5. Sharing of Personal Information
6. International Transfers of Personal Information
7. How long do we keep Personal Information?
8. How do we protect Personal Information?
9. Links to Third Party Websites
10. How do we manage the information of a child?
11. Your Rights
12. Contacting us about privacy questions or concerns
13. Privacy Statement changes
1. What is covered by this Privacy Statement?
This privacy statement applies to the information we collect on this website. It
does not apply to any information we may collect offline or through other means,
including any other Mutual Trust website and/or third party website.
2. What kind of information do we collect from you?
Data collected directly from website visitors. In most instances, you can visit
our website without providing any personal data. However, on some pages, you may
give us your personal data by filling out forms or by corresponding with us by
post, phone, email or otherwise. This includes personal data you provide when
you:
• request information on our products or services
• create an account on our website
• subscribe to our blog or newsletter
• request marketing information
• enter a competition, promotion or survey
• give us feedback or contact us
The personal data that we collect may include:
• contact details, such as your name, title, company/organization name, email
address, telephone and fax numbers, date of birth and physical address
• information about your company and job position
We may also collect information on:
• your preferences with respect to email marketing
• your profile including username and password, your interests or preferences,
feedback and survey responses
• your inquiries about our products and services, as well as information that
assists us in identifying the best products and services for you
• contest entry and event registration information
• feedback from you about our products and services, including our websites.
You are not required to provide any information. However, if you choose not to,
we may not be able to provide you with the service you request or complete your
transaction. Data collected by automated means. We collect certain data about
all visitors to our website, including what pages they view, the number of bytes
transferred, the links they click, and other actions taken within our websites.
We may also use this information to improve our security measures. We also
collect certain standard information that your browser sends to every website
you visit, such as your Internet Protocol (IP) address, your browser type and
capabilities and language, your operating system, the date and time you access
the site, and the website from which you linked to our site.
3. Our Use of "Cookies"
Cookies are small files that websites save to your hard disk or to your
browser's memory. Our website may use them to track the number of times you have
visited the website, to track the number of visitors to the website, to
determine and analyze visitors' use of our website, to store data that you
provide (such as your preferences), and to store technical information related
to your interactions with our website. We may also use session cookies, which
are deleted when you close your browser, to store your user ID, to facilitate
your movement around our websites.
Our website may also contain electronic images known as Web beacons-sometimes
called single-pixel gifs-that allow us to count the number of users who have
visited those pages. We may include Web beacons in promotional email messages or
newsletters in order to determine whether messages have been opened and acted
upon, including whether the recipient clicked on a link in the email or
forwarded the email to another person.
Adjusting Browser Settings to Manage Cookies or Send "Do Not Track" Signals:
Many Internet browsers automatically accept cookies, but you can usually modify
your browser settings to decline cookies or to notify you when a cookie is being
placed on your computer. If you choose not to accept cookies, you may not be
able to experience all of the features of our websites. Internet browsers also
enable you to delete existing cookies, although this means that your existing
settings (including stored user IDs and other preferences) will be lost. Some
web browsers may also give you the ability to enable a ''do not track" setting.
This setting sends a signal to the websites you encounter while web browsing.
This "do not track'. signal is different from disabling tracking capabilities by
declining cookies in your browser settings, as browsers with the "do not track''
setting still enabled may continue to accept cookies. Mutual Trust does not
respond to web browser ''do not track" signals at this time.
Social Media Third Party Cookies
During your visit to this website, you may notice embedded content from other
social media websites. These websites may also contain cookies. Mutual Trust has
no control or responsibility for these cookies. You should check the third
party's cookie policy for more information.
4. Our Use of Personal Information
We will use personal data collected from our website only for the purposes set
forth below.
Services and transactions. We use personal data to deliver services or execute
transactions you request, such as providing information about Mutual Trust
products and services, answering customer service requests, and facilitating use
of our website. Information collected by our website may be combined with
information we collect by other means, such as phone, e-mail or paper.
Website improvement. We may use data about you to improve our website (including
our security measures) and related products or services, or to make our website
easier to use by eliminating the need for you to repeatedly enter the same
information, or by customizing our website to your particular preference or
interests.
Marketing Communications. With your permission, we may use personal data to
inform you of products or services available from Mutual Trust. When collecting
information that might be used to contact you about our products and services,
we will give you the opportunity to opt-out from receiving such communications.
Moreover, each email communication we send will include an unsubscribe link
allowing you to stop delivery of that type of communication. If you elect to
unsubscribe, we will remove you from the relevant list within 10 business days.
Employment Applications. In connection with a job application or inquiry, you
may provide us with data about yourself, including your educational background,
resume or curriculum vitae, and other information, including your ethnicity
where required or permitted by law. We may use this information throughout
Mutual Trust and its affiliates for the purpose of employment consideration. We
will keep the information for future consideration unless you direct us not to
do so.
5. Sharing of Personal Information
Your personal information may be shared with other Mutual Trust affiliates to
provide the services you request. All Mutual Trust affiliates are governed by
this Privacy Statement or are bound by appropriate confidentiality and data
transfer agreements.
Mutual Trust will share your personal information collected from our website
with third parties only in ways that are described in this Privacy Statement. We
do not sell your Personal Information to third parties. Your personal
information is never shared outside Mutual Trust without your permission, except
under conditions explained below.
Disclosure to service providers. Mutual Trust contracts or may contract with
other companies to provide services, such as hosting websites, sending out
information, processing transactions, and analyzing our websites. We provide
these companies with only those elements of personal data they need to deliver
those services. These companies and their employees are prohibited from using
the personal data for any other purposes.
Disclosure for other reasons. We may disclose personal data if required to do so
by law or in the good-faith belief that such action is necessary to comply with
legal requirements or respond to court orders, to protect and defend our rights
or property, or in urgent circumstances to protect the personal safety of any
individual.
Mutual Trust stores data in controlled servers with limited access. Your
information may be stored and processed in the United States or any other
country where Mutual Trust's affiliates are located.
6. International Transfers of Personal Information
We may transfer personal information that we collect through our website to, and
store such information in, countries other than the country from which that
information was initially collected or the countries from which individual site
visitors may access the website. The countries, including the U.S. (and the
other countries around the world where our individual affiliates, suppliers, or
business partners maintain offices), to which we may transfer such information
may have different data protection laws than the countries from which the
information was initially collected or from which individual website visitors
access the website.
By choosing to use our website and to submit personal data to us through it, you
consent to the transfer of such information outside of your country. To the
extent required by applicable law, when we transfer your personal information to
recipients in other countries, we will take measures to protect that
information.
7. How long do we keep personal information?
We will only retain your personal data for as long as reasonably necessary to
fulfill the purposes we collected it for, including for the purposes of
satisfying any legal, regulatory, tax, accounting or reporting requirements. We
may retain your personal data for a longer period in the event of a complaint or
if we reasonably believe there is a potential of litigation in respect to our
relationship with you.
To determine the appropriate retention period for personal data, we consider the
amount, nature and sensitivity of the personal data, the potential risk of harm
from unauthorized use or disclosure of your personal data, the purposes for
which we process your personal data and whether we can achieve those purposes
through other means, and the applicable legal, regulatory, tax, accounting or
other requirements.
8. How do we protect personal information?
We have appropriate security measures to prevent your personal data from being
accidentally lost, used, altered, disclosed or accessed in an unauthorized way.
In addition, we limit access to your personal data to those employees, agents,
contractors and other third parties who have a business need to know. They will
only process your personal data on our instructions and they are subject to a
duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach
and will notify you and any applicable regulator or any other legally required
government official of such a breach.
9. Links to Third Party Websites
Our website may contain links to other websites on the Internet that are owned
and operated by third parties. These websites operate independently from our
website. We do not control them and we are not responsible for the content,
security or privacy practices employed by them. You should review the privacy
statements of those websites to determine how they protect and use personal
data.
10. How do we manage the information of a child?
Our website is not intended for children under 13 years of age. We do not
knowingly gather information from anyone under age 13. If we find out that we
have collected information from a child under age 13, we will delete that
information immediately.
11. Your Rights
To the extent provided by the law of your jurisdiction, you may have the right
to (I) access certain personal information we maintain about you; (2) request
that we update, correct, amend, erase or restrict your personal information; or
(3) exercise your right to data portability. Where provided by law, you may
withdraw consent you previously provided to us or object at any time to the
processing of your personal information on legitimate grounds relating to your
particular situation, and we will apply your preferences going forward as
appropriate. To exercise these rights, please contact our Privacy Officer at
(800) 323-7320, extension 5481 or seneczkoj@mutualtrust.com.
We try to respond to all legitimate requests within thirty (30) days.
Occasionally it could take us longer than a month if your request is
particularly complex or you have made a number of requests. In this case, we
will notify you and keep you updated.
12. Contacting us about privacy questions or concerns
If you have any questions about this privacy statement or our handling of
personal data, please contact us by email to seneczkoj@mutualtrust.com or you
can write to us at:
Mutual Trust Life Solutions Company
Attn: Privacy Officer
1200 Jorie Boulevard
Oak Brook, Illinois 60523
13. Privacy Practices Changes
Mutual Trust may occasionally update this Privacy Statement. When we do, we will
revise the "last update" date at the bottom of the Privacy Statement. You should
revisit this page periodically to become aware of the most recent privacy terms.
Your use of the website after such changes have been posted constitutes your
agreement to such changes. This Privacy Statement was last updated as of April
16, 2019.
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MUTUAL TRUST'S GDPR STATEMENT
As many of our customers and business partners are aware, as of May 25, 2018, a
new privacy law is in effect in the European Union (EU) and the European
Economic Area (EEA) called the General Data Protection Regulation or the GDPR.
The GDPR expands privacy rights granted to individuals in the EU and the EEA.
The GDPR may apply to some of the activities of Mutual Trust Life Solutions
Company, a Pan-American Life Insurance Group Stock Company ("Mutual Trust") and
its affiliates even though we are headquartered in the United States. We are
committed to GDPR compliance across our organization and services, and we have
implemented and will continue to implement GDPR compliance efforts.
Leading up to the GDPR's implementation date, we have taken many steps in an
effort to comply with the GDPR. We have re-assessed and updated our privacy
notices. An updated General Privacy Practices Statement has been posted on our
website in order to help our customers and business partners better understand
how we collect, use, share and protect their personal information and to inform
our customers and business partners how they can exercise any rights they may
have under the GDPR. Please also review our updated Website Privacy Policy.
The GDPR also imposes certain requirements on "data controllers" and "data
processors." A "data controller" is the individual or entity that determines the
purpose for which and the manner in which personal data is collected, used and
processed. Mutual Trust is generally the data controller of the personal
information we collect. A "data processor" is a person or entity that processes
personal information on behalf of a data controller. Data controllers and data
processors are required, among other things, to enter into an agreement with one
another to protect the personal information that the data processor obtains from
the data controller.
While we have been working on updating our privacy program in preparation for
the GDPR, we recognize that protecting our customers and business partners'
personal information is an ongoing process. We continue to take steps to enhance
data privacy and security for our customers and business partners, and Mutual
Trust will continue to review its practices as additional guidance under the
GDPR or other applicable regulations are issued.
If you have any questions or comments about our privacy practices and GDPR
compliance efforts, please do not hesitate to contact our Privacy Officer via
email at seneczkoj@mutualLrust.c rn, or via mail at Mutual Trust Life Solutions
Company, Attn: Privacy Officer, 1200 Jorie Boulevard, Oak Brook, Illinois 60523.
If you wish to discuss an issue by phone, please email us with your contact
information and best times to reach you, and we will contact you as soon as it
is practical.
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OUR PRIVACY PRACTICES
Mutual Trust Life Solutions Company, a Pan-American Life Insurance Group Stock
Company ("Mutual Trust") is highly committed to protecting the privacy of its
customers and the security of all confidential information entrusted to us. This
general privacy statement serves as a summary of our privacy practices, and
serves to briefly notify you of the information we collect about you, how we use
it, how we protect it, and your rights.
Information Collection, Protection, and Sharing
• We collect personal information in connection with the products and services
we offer. This may include information we receive on applications and other
forms, such as name, date of birth, contact information, tax identification
number, social security number, government issued identification numbers, assets
and income, medical and financial information, information about your
transactions with our affiliated companies and information we receive from
third-parties, including consumer reporting and inspection services.
• We process your data when necessary to provide the services and products set
out in insurance contracts, or when it is required or allowed by applicable law.
When we process your sensitive personal data, it will be in line with applicable
law, as necessary to provide you with our services, or with your permission.
• We will not rent or sell personal information to others but we may share your
information as necessary to our affiliates, with relevant policyholders, and
with our business associates who help us provide services to you. We will only
share your information as allowed under applicable law.
• We keep your personal information in line with appropriate retention periods.
The length of these periods is determined by relevant laws and regulations, the
information collected, and our obligations to you as a customer.
• We restrict access to your personal information only to those employees who
need to know that information to provide products and services to you.
• Protecting your information is of the utmost importance to us. We use
technical and physical safeguards to protect the security of your personal
information from unauthorized disclosure. We also take every step to ensure that
only authorized employees and third-parties with legitimate purposes have access
to your personal information.
Your Privacy Rights
• You have the right to access your information and request corrections to your
data.
• You may also have the right to object to our use of your information, to
request the transfer of information you have provided, to withdraw permission
for our use of your information, and to ask us not to use automated
decision-making which will affect you.
• However, certain exceptions may apply to these rights.
We may change our privacy practices to comply with applicable laws and
regulations. When we do, we will revise the "last update" date at the bottom of
the statement.
If you have any questions or concerns about this notice or Mutual Trust’s
privacy practices, please contact our Privacy Officer at (800) 323-7320 or by
mail at:
Mutual Trust Life Solutions Company
Attn: Privacy Officer
1200 Jorie Boulevard
Oak Brook, Illinois 60523
Last updated on April 17, 2019.
SAVE TIME! PAY ONLINE.
Policyowners can manage their policies and make premium, loan and rider payments
on-line from the convenience of their computer, tablet or cell phones. Just
login to the Online Policy Manager to start. Questions? Call Payments & Benefits
at 800-323-7320.
WHY MUTUAL TRUST?
Our first priority is our policyowners—meaning YOU! We don't report to
shareholders. We're not owned by Wall Street. Everything we do is driven by our
goal of maintaining long-term growth, strength and stability to offer you
financial securities and peace of mind. Click here to learn more about us.
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Form No. 190
© 2023 Mutual Trust Life Solutions. All rights reserved.
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