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12/04/2024
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PRIVACY POLICY
Effective Date: May 8, 2024
INTRODUCTION
We understand that you care how information about you is collected, used and
shared, and we appreciate the trust you place with us. At the core of our
commitment to protect the financial well-being of you and the people that matter
most in your life is a commitment to protect your privacy. Our policies and
procedures are designed to protect personal information about you. This Privacy
Policy (“Policy”) will help you understand how we collect, use, share and
protect any personal information we have about you.
In general, we collect and process personal information necessary to issue you
insurance and financial service products (like your name, address, telephone
number, payment information), to assist you if you need to file a claim or
obtain a benefit (for example, your health information), or to provide you with
information on our products or special offers. We also are required to collect
and process certain personal information to meet legal and regulatory
requirements (for example, to verify your identity). While we share your
information with credit unions, our affiliates, service providers, and other
businesses that we work with to provide our products and services (“Business
Partners”), we do not sell your personal information, and we prohibit any sale
of the personal information we share with our Business Partners. As described in
more detail below, you may have rights with respect to the information we
collect about you. We encourage you to read this Policy carefully, and to
contact us if you have any questions.
* WHEN DOES THIS POLICY APPLY? +
This Policy applies to CMFG Life Insurance Company, MEMBERS Life Insurance
Company, CUNA Brokerage Services, Inc., CUMIS Insurance Society, Inc.,
AdvantEdge Digital, LLC, Union Security Insurance Company, American Memorial
Life Insurance Company, CUMIS Specialty Insurance Company, Inc. and TruStage
Insurance Agency, LLC (“TruStageTM”). This Policy applies when we process
personal information about our customers, our potential customers, applicants
for jobs with TruStage, and visitors to our website(s). Whenever we collect
personal information about you, we make decisions about how and why we
process that personal information and, because of this, we are responsible
for making sure it is used in accordance with applicable data protection and
privacy laws.
If you are an employee or contractor of TruStage, please refer to our
internal policies and procedures on how we process your personal information.
* WHAT TYPES OF PERSONAL INFORMATION DO WE COLLECT, WHERE DO WE GET IT FROM,
AND WHY? +
We typically collect personal information directly from you or from our
Business Partners. We also may collect personal information about you through
your interactions with our information technology resources, such as our
website(s). In addition, we may create records of personal information about
you in the course of providing services or products to you, either directly
or through our Business Partners. We also may collect personal information
about you from third parties, including government agencies and third parties
who provide services to us. In all cases, we collect personal information
about you in accordance with the principles outlined in this Policy and
applicable law.
The following table provides more detailed information on the personal
information we collect and why:
INFORMATION WE COLLECT
WHY WE COLLECT IT
If you apply for, inquire about, or obtain a service or product from us, we
collect a range of identifiable personal information based on the particular
product and circumstances, possibly including: name, address, contact
information, Social Security number or other identifier, financial and
account information, health information, biometric information, demographic
information, commercial information about your previous interactions with us,
and recordings of our calls with you.
This information is necessary for us to provide services or products you
requested or to take steps to enroll in those services or products, for us to
comply with a legal obligation, or to carry out related business and
operational activities.
If you do business with our Business Partners, we may collect personal
information about you to allow us to identify and offer you products that may
be of interest to you. This information may include your name, address,
contact information, Social Security number or other identifier(s), financial
information, demographic information, commercial information about your
purchasing history, employment and professional information, and inferences
based on this information regarding your preferences.
This information is used to offer products and services that may be of
interest to you as permitted and subject to applicable law.
If you visit our website(s) or interact with our electronic communications,
we collect your IP address as well as electronic activity information about
your use and interaction with our website(s) or communications, and
geolocation data.
You can find more information on how we collect information in the
Cookies section of this Policy.
This information is necessary for us to ensure the security and functionality
of our website(s) and related technology resources. This information is also
used to offer products and services that may be of interest to you.
If you provide your email address to us or otherwise request or agree to
receive electronic communications from us, we may collect your name, email
address, phone number, or physical address.
Note that we may send you electronic communications based on your other
interactions with TruStage and our Business Partners. You may unsubscribe at
any time by clicking the unsubscribe link or by unsubscribing in your account
settings.
This information is necessary to send you the communications and information
you have requested.
If you use our online financial management calculators, we will collect
personal financial information.
This information is necessary to provide you with financial planning advice
and suitable products. This information is also used to offer products and
services that may be of interest to you.
If you apply for a position with us, or apply to be our registered
representative or agent, we will collect your name, address, telephone
number, email address, employment and educational history, and other
biographical and background information.
This information is necessary to determine whether to extend an offer of
employment, or approve your application to represent us, as applicable. This
information also is necessary to comply with our legal obligations.
ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS
Please note California privacy law does not apply to personal information we
receive, generate, or obtain in connection with providing financial products
or services to you for personal or household uses. For more information on
how we collect and use your personal information when providing financial
services, please see the Privacy Rights under Financial and Insurance Privacy
Laws section below. Other exceptions and limitations may also apply as
permitted by law.
The personal information we collect about you includes information within the
categories below. These categories are defined by California law and
represent the categories of personal information that we have collected about
California residents, and how they have been shared, over the past 12 months.
We do not necessarily collect all information listed in a particular
category, nor do we collect all categories of information for all
individuals.
We have shared information in each of the following categories with our
affiliates and service providers for our business purposes within the last 12
months. As an insurance company, we may receive requests for information from
regulatory authorities, our auditors and/or our legal advisors. If requested
from such parties, we would share your personal information as appropriate.
We do not sell your personal information. As described further below, to the
extent we share personal information for “cross-contextual behavioral
advertising,” you have the right to opt out under California law.
CATEGORY
SOURCES
PURPOSE OF PROCESSING
Identifiers such as 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.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
This information is processed in connection with our operational functions,
including for example policy issuance and account administration and
management, risk and compliance management, human resources, and systems
development. It is also processed to detect security incidents, protect
against malicious, deceptive, fraudulent or illegal activity, and for data
analytics.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
For job applicants, a subset of this information is used to process your
application.
Information that identifies, relates to, describes, or is capable of being
associated with, a particular individual, including, but not limited to, your
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.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
This information is processed in connection with our operational functions,
including for example policy issuance and account administration and
management, risk and compliance management, human resources, and systems
development. It is also processed in order to detect security incidents,
protect against malicious, deceptive, fraudulent or illegal activity, and for
data analytics.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
For job applicants, a subset of this information, including education
history, is used to process your application.
Demographic information protected under federal or state law, including:
familial status, disability, sex, national origin, religion, color, race,
sexual orientation, gender identity and gender expression, marital status,
veteran status, medical condition, ancestry, source of income, age, or
genetic information.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
This information is processed in connection with our operational functions as
permitted by law, including for example policy issuance and account
administration and management, risk and compliance management, product
development, human resources, and systems development. It is also processed
in order to detect security incidents, protect against malicious, deceptive,
fraudulent or illegal activity, and for data analytics.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
Commercial information, including records of personal property, products or
services purchased, obtained, or considered, or other purchasing or consuming
histories or tendencies.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
This information is processed in connection with our operational functions,
including for example policy issuance and account administration and
management, human resources, and risk and compliance management. It is also
processed in order to detect security incidents, protect against malicious,
deceptive, fraudulent or illegal activity, and for data analytics.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
Biometric information, which includes physiological, biological or behavioral
characteristics that can be used, singly or in combination with each other or
with other identifying data, to establish individual identity.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our affiliates
* from our service providers
This information is processed in connection with policy issuance, human
resources, and account administration and management. It is also processed in
order to detect security incidents, protect against malicious, deceptive,
fraudulent or illegal activity.
Internet or other electronic network activity information, including, but not
limited to, browsing history, search history, and information regarding a
consumer’s interaction with an Internet Web site, application, or
advertisement.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
This information is processed in connection with policy issuance, account
administration and management, and data analytics. It is also processed in
order to detect security incidents, protect against malicious, deceptive,
fraudulent or illegal activity.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
Geolocation data
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
This information is processed in connection with policy issuance, account
administration and management, and data analytics. It is also processed in
order to detect security incidents, protect against malicious, deceptive,
fraudulent or illegal activity.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
Audio, electronic, visual, thermal, olfactory, or similar information
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
This information is processed in connection with our operational functions,
including for example policy issuance and account administration and
management, human resources, and risk and compliance management. It is also
processed in order to detect security incidents, protect against malicious,
deceptive, fraudulent or illegal activity.
If you call us, we may record the call for these purposes.
Professional or employment-related information
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
This information is processed in connection with our operational functions,
including for example policy issuance and account administration and
management, human resources, and risk and compliance management. It is also
processed in order to protect against malicious, deceptive, fraudulent or
illegal activity, and for data analytics.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
Inferences drawn from any of the above categories of information to create a
profile about a consumer reflecting the consumer’s preferences,
characteristics, psychological trends, predispositions, behavior, attitudes,
intelligence, abilities, and aptitudes.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
This information is processed in connection with our operational functions,
including for example policy and account administration and management, risk
and compliance management, human resources, and product development. It is
also processed in order to detect security incidents, protect against
malicious, deceptive, fraudulent or illegal activity, and for data analytics.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
We also collect the below categories of sensitive personal information as
defined under California law (even though as with personal information more
broadly, the California Consumer Privacy Act may not apply at all times).
CATEGORY
SOURCES
PURPOSE OF PROCESSING
Social security, driver’s license, state identification card, or passport
number.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
If you are a policyholder or prospective policyholder, we collect and process
your SSN for policy and account administration and management, risk and
compliance management.
We do not collect this information from website users.
For job applicants, a subset of this information is used to process your
application.
Account log-in, financial account, debit card, or credit card number in
combination with any required security or access code, password, or
credentials allowing access to an account.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
If you are a policyholder or prospective policyholder, we collect and process
your account information for policy and account administration and
management, risk and compliance management.
For job applicants, a subset of this information is used to process your
application
Racial or ethnic origin, religious or philosophical beliefs, or union
membership.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
If you are a policyholder or prospective policyholder or job applicant, we
collect and process this information for diversity, equity and inclusion
analysis, policy and account administration, risk management and overall
process improvements.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
Biometric information for the purpose of uniquely identifying a consumer.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
If you are a policyholder or prospective policyholder or job applicant, we
collect and process your biometric information for security purposes, policy
and account administration and management, risk and compliance management.
We do not collect this information from website users.
Personal information collected and analyzed concerning a consumer’s health.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
* from government agencies
If you are a policyholder or prospective policyholder or job applicant, we
collect and process your health information for policy and account
administration and management, risk and compliance management.
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
Sexual orientation or other personal information concerning a consumer’s sex
life.
We collect information in this category:
* directly from you or your interactions with our information technology
resources
* from our Business Partners
* from records we have about you in the course of providing services or
products
This information is also used for marketing purposes, including offering you
products that may interest you through both direct and Business Partner
marketing.
We do not collect this information from job applicants.
* WHO DO WE SHARE YOUR PERSONAL INFORMATION WITH, AND WHY? +
We may disclose your personal information to our affiliated companies, when
required by law, or with our service providers for the purposes described in
this Policy and in accordance with our financial privacy notices. We may also
share information, including your personal information, to third parties as
necessary to provide the products and services you request, such as
underwriting your risk or assisting you in completing a transaction.
The third parties we may share your personal information with include:
* credit unions or strategic partners;
* nonaffiliated service providers;
* regulatory authorities;
* our auditors and legal advisors;
* relevant industry self-regulatory bodies; and
* others, where permitted by law.
We do not sell your personal information, and we have contracts with our
service providers to prohibit any sale of your personal information and to
provide written assurances regarding the security and privacy protections
they have in place to protect your personal information. We may share your
personal information with your credit union and other nonaffiliated financial
companies in order to offer you products and services that may interest you.
We may share your information with our corporate affiliates (companies
related by common ownership or control) where permitted by law and as further
described in our financial privacy notices. We share your information with
affiliates so they can provide services to us and where necessary to provide
you with services, products, or information you have requested or expressed
an interest in.
In the event there is a change in the corporate structure of TruStage, such
as, but not limited to, merger, consolidation, sale, liquidation, or transfer
of substantial assets, TruStage may, in its sole discretion, transfer, sell
or assign personal information we have about you to one or more affiliated or
unaffiliated third parties.
Your information may only be transferred to another country for processing as
permitted and in compliance with applicable law.
* WHERE DO WE KEEP YOUR PERSONAL INFORMATION AND HOW LONG DO WE KEEP IT? +
We store personal information about you on computer systems operated by us or
our service providers. Due to being a highly regulated company, we keep
various records that contain personal information in accordance with
applicable state and federal regulations, or pursuant to contractual
obligations. In general, we aim to keep personal information only for as long
as necessary and only for the reason(s) we collected it.
We retain your personal information for the purposes stated in this Policy.
Our organization uses the following criteria to determine retention periods:
* time required to fulfill business purposes and the terms of your
contracts, including servicing your accounts, creating better products,
and improving our products
* time required to comply with applicable laws and regulations
* time needed to protect our rights and legal interests, including
preventing fraud and responding to any complaints or claims made by you or
on your behalf
* HOW IS MY PERSONAL INFORMATION SECURED? +
We maintain physical, technological and administrative safeguards to protect
your personal information and prevent unauthorized or accidental use, access,
or loss. We limit access to personal information about you to those who have
a business need for such access. Individuals who process personal information
on our Business Partner’s behalf generally may do so only in an authorized
manner and are required to keep your information confidential. We have
policies in place that regulate how our employees and contractors handle
information about you. We limit access to our premises and to our computer
networks and take steps to safeguard against unauthorized access to such
premises and networks. We have procedures in place to manage any suspected
data security incident and will notify you consistent with applicable legal
requirements.
* WHAT ARE COOKIES AND HOW DO WE USE THEM? +
When you visit our website(s), we use so-called “cookies” to make our
website(s) more user-friendly, effective, and secure. A cookie is a small
piece of data sent from a website and stored in a file on your browser. A
cookie is useful for having the browser remember specific information across
several pages or between visits to a website. In addition to cookies, we use
scripting, which is code run on the website to collect information such as
actions you’ve completed on our website or items you click on. We also use
“pixels,” which are transparent image files sent from the website to your
browser to help us record items like IP address and time.
We do not store any sensitive information within your cookies. Our website(s)
does not read any information stored in cookies given to you from other
websites, except in rare cases where the other website is a provider of
information or functionality within our website and that cookie is necessary
to make our website function correctly.
Using cookies allows us to enhance your experience in interacting with our
website, such as by helping recognize your browser the next time you visit
and loading previously viewed pages faster. We use cookies to offer you the
best possible experience on our website.
We also use cookies, scripting, pixels and other tracking mechanisms to
collect browsing information to improve your overall experience. We use this
information to track website usage and compile statistics. This helps us
improve the website, so you will find it more useful and informative, and
enable customized promotions you may be interested in. We may use the
combination of data we collect, such as browsing information and email
address, to join known devices together and provide you personalized
experiences on the device you are currently using. Impression data from
cookies, scripting, pixels or other tracking mechanisms, which indicates who
has seen advertisements about our products and services on our website or
third-party websites, may be used to improve our marketing practices. If you
are a current customer, have logged into your account, obtain a policy from
our website or provide your email address, we may use analytics software to
link data we collect, such as use of our website, opening emails we send you
or contacting our customer service center via phone, back to you.
We may use browsing information we collect (including IP address, email
address and data received from Google Analytics) to match with information
received from third parties (including behavioral information and device
identifiers) and policyholder information to learn more about an individual
or a group. These actions help us analyze interactions with our website,
improve marketing efforts, inform our strategic approach and improve your
experience. We also may use this information to directly market our products
and services, to the extent permitted by law. We may use third parties to
perform these and other activities.
We also enable cookies to be placed or accessed on your device by third party
advertising networks. These kinds of persistent cookies remember the websites
you visit, and that information is shared with other parties, such as
advertisers. We may use third-party advertising networks to help us deliver
tailored online ads to you. To learn more about opting-out of this type of
interest-based advertising, please visit the Network Advertising Alliance
(NAI) Consumer opt-out website.
GLOBAL PRIVACY CONTROL AND DO NOT TRACK
We have implemented a cookie preference center to ensure your cookie
preferences are honored. We have tools in place to better detect and honor
requests made using the Global Privacy Control (“GPC”) signal as requests to
opt-out of the sharing of personal information to the extent required by
applicable law. We endeavor to honor these requests with respect to any
personal information connected to the GPC opt-out request based on the
information made available by GPC. We may not be able to tie a GPC request to
all personal information we have about you. If you wish to exercise your
rights under applicable state privacy laws, we recommend submitting your
cookie preferences via our cookie preference center and/or by submitting a
request using one of the methods outlined in the Submitting Privacy Requests
section of the policy below. We do not currently support the capability to
respond to web browser “do not track” signals.
GOOGLE ANALYTICS
We use a tool called Google Analytics to collect information about use of our
website. This tool uses persistent cookies which allow us to measure
behavioral information about interactions with our website navigation,
applications and forms, as well as errors or disruptions, so we can improve
your experience. We may also use this data to create remarketing lists. For
site visitors that have opted into Google’s Ad Personalization, we use Google
Signals data to retarget and enhance advertising efforts, collect demographic
and interest data as defined by your respective personal Google account and
to understand how a user reengages with us from multiple devices. Visitors
can opt-out of Personalized ads on Google using Google’s Ad Settings.
You can opt out of Google Analytics without affecting how you visit our
website. For more information on opting out of Google Analytics tracking,
visit this Google page.
* WHAT ARE MY RIGHTS? +
You may have various rights with respect to your personal information
depending on where you live, the information we have about you, and the
context in which it was obtained. These rights are defined under a variety of
privacy laws and regulations, each of which may or may not apply to our
relationship with you or your personal information.
We may choose to extend these rights to you even if we are not required to
under applicable law.
PRIVACY RIGHTS UNDER FINANCIAL AND INSURANCE PRIVACY LAWS
In general, to the extent we received, obtained, or generated information
about you in connection with providing you with a financial service or
product within the United States, your rights with respect to that
information are governed by financial and insurance privacy laws, including
the Gramm-Leach-Bliley Act (GLBA). We provide financial and insurance privacy
notices to our consumers and customers as required by law, and these notices
address your rights with respect to this information. For more information
about these rights, including your right to opt-out of sharing your
information with third parties, please see our financial and insurance
privacy notices:
* Arizona, Connecticut, Georgia, Massachusetts, Maine, New Jersey, Nevada
and Ohio
* California
* All Other States
* Full Notice of Information Practices
PRIVACY RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT (CCPA)
For residents of California, to the extent we have collected information
about you that is not governed by financial and insurance privacy laws, you
may have rights to your personal information as described below:
* RIGHT TO KNOW
You may be entitled to request that we disclose to you personal
information we have collected about you, the categories of sources from
which we collected the information, the purposes of collecting the
information, the categories of third parties with whom we have shared the
information, and the categories of personal information that we have
shared with third parties for a business purpose. In some instances, you
may have the right to receive the information about you in a portable and
readily usable format. Before providing any of this information, we must
be able to verify your identity.
* RIGHT TO OPT-OUT OF SALE
We currently do not sell personal information to third parties, and
therefore do not offer this option. We may disclose personal information
about you to our Business Partners as permitted by law. Please see the Who
do we share your personal information with, and why? portion of this
policy for more information.
* RIGHT TO OPT-OUT OF SHARE
You may be entitled to request we do not share your personal information
for cross-contextual advertising, which is data sharing that exists to
provide more targeted advertising across websites and over time. You may
also set your browser or device with an opt-out preference signal, such as
the GPC, to signal your request to opt out of the sharing of personal
information. We honor these requests with respect to any personal
information connected to preference signal based on the information made
available by the preference signal protocol. We may not be able to tie a
browser or device-based preference signal request to all personal
information we have about you. If you wish to exercise your rights under
applicable state privacy laws, we recommend submitting a request using one
of the methods outlined in the Submitting Privacy Requests section of the
policy below.
* RIGHT TO LIMIT THE USE OF SENSITIVE PERSONAL INFORMATION
You may be entitled to request we limit the use of your sensitive personal
information. This sensitive personal information is defined in California
law, and you will find a more detailed description of what type of
information this entails under the Additional information for California
residentssection above. If you make this request, we will not use your
sensitive personal information for purposes other than those necessary to
provide you with the goods or services you requested from us, to aid in
protecting and securing your personal information and our systems, to
verify or maintain the quality or safety of our services and systems, or
as otherwise permitted under regulations or required by law.
* RIGHT TO CORRECT
You have the right to correct certain personal information. There are many
types of correction requests, and our service areas are ready to assist
you with your request.
* RIGHT TO DELETION
Subject to certain conditions, you may be entitled to request that we
delete personal information about you. Before deleting information, we
must be able to verify your identity. We will not delete personal
information about you when the information is required to fulfill a legal
obligation, is necessary to exercise or defend legal claims, or where we
are required or permitted to retain the information by law. For example,
we cannot delete information about you while continuing to provide you
with life insurance or annuity products or where required to be retained
for regulatory purposes.
We do not discriminate against you if you choose to exercise these rights.
Please see the Submit personal information requests under the CCPA section
below for how to exercise these rights.
* HOW DO I SUBMIT PRIVACY REQUESTS? +
You can exercise your privacy rights by submitting requests to us to exercise
those rights and by taking other steps that will limit how information about
you is collected, used, and shared.
SUBMIT PERSONAL INFORMATION REQUESTS UNDER THE CCPA
For residents of California, you may exercise most of your privacy rights
under the CCPA by submitting a Personal Information Request by visiting
privacy.trustage.com or by calling this toll-free number – 800.834.2617 – to
speak to a customer service representative.
To opt-out of sharing your personal information for cross-contextual
advertising, please indicate your choice in our preference center.
If you are a current or former employee, job applicant or contractor who
resides in California, please contact the HR Service Center at
HR4U@trustage.com or 800.356.2644, ext. 665. HR4U (4748) to exercise your
personal information rights specific to employee personal information.
For some personal information requests, we may need to verify your identity
before fulfilling your request. To verify your identity, we will collect
information from you, including, to the extent applicable, your name,
government identification number, date of birth, contact information, your
account information, answers to security questions, or other personal
identifying information. We will match this information against information
we have previously collected about you or against information available from
consumer reports to verify your identity and to respond to your request.
Information collected for purposes of verifying your request will only be
used for verification and to respond to your personal information request.
If you maintain an account with us, we may require you to login to that
account as part of submitting your request. If we are unable to verify your
identity as part of your request, we will not be able to satisfy your
request. For deletion requests, you will be required to submit a verifiable
request for deletion and then to confirm separately that you want personal
information about you deleted.
If you would like to appoint an authorized agent to make a request on your
behalf, and that agent is not already authorized to access your account in
your profile, we require you to verify your identity with us directly before
we provide any requested information to your approved agent.
UNSUBSCRIBE FROM PROMOTIONAL EMAILS
If you no longer wish to receive marketing or promotional emails from us,
please click the unsubscribe or manage subscriptions link included in the
footer of every promotional email we send, or contact us directly as provided
in the Contact Us section of this policy.
LIMIT THE USE OF COOKIES
You can set your browser to notify you when you receive a cookie, giving you
the chance to decide whether to accept it. Browsers may also be set up to
display a warning when a cookie is used. You can also disable your browser
from accepting cookies and delete cookies that have previously been placed on
your device. Disabling and deleting cookies is unique to each browser and
device you use. Disabling and deleting cookies on one device will restrict
the ability to tie that device to other devices you use. Instructions for
deleting and disabling cookies are available from the providers of most
widely used internet browsers. Parts of our website may not function properly
if you disable cookies. To provide you with the best possible experience
while visiting our website, please enable cookies within your browser. Visit
our preference center to learn more and make choices about the cookies we
use. We offer this preference center on TruStage.com. Please note, some of
our website pages may be running on different domains or sub-domains where
these choices are not currently available. We are working to make sure your
preferences are understood across our brand where possible. Choosing to
reject cookies on the preference center for your device will delete cookies
in the selected category and will block scripts that create cookies. The
choice you make in the preference center may not impact non-cookie tracking.
OPT-OUT OF THIRD-PARTY ADVERTISING TRACKING
Several network advertising industry groups provide tools for consumers to
opt-out of interest-based advertising. The Network Advertising Initiative
(“NAI”) provides one such tool for opting out of this kind of advertising
from its members, which may be accessed by visiting the Network Advertising
Alliance (NAI) Consumer opt-out website. A similar tool is also available
through the Digital Advertising Alliance’s (“DAA”) consumer choice tool,
which may be accessed by visiting the DAA's YourAdChoices website. As noted
above, visitors to our website can opt-out of Personalized Ads on Google by
using Google’s Ad Settings. For more information on opting out of Google
Analytics tracking, visit this Google page. You can also disable ad
personalization and tracking within the settings of your device, browser and
social media accounts.
OPT-OUT OF SHARING WITH OUR FINANCIAL JOINT MARKETING PARTNERS
If you prefer that we do not share your personal information for joint
marketing purposes with your credit union or any other nonaffiliated
financial company, you may, to the extent applicable, exercise your right to
opt-out of such sharing. Please submit your request electronically
to https://www.trustage.com/legal/privacy/choices or by calling this
toll-free number – 800.834.2617 – to speak to a customer service
representative.
* MOBILE MARKETING +
If you enroll in a TruStage mobile program, you will have the opportunity to
opt-in to receive notifications via text message. If you do opt in, we will
collect your mobile phone number to send you text notifications. We will send
you notifications only according to the terms and conditions of the mobile
program you join and will not use the mobile phone number you register with
the program for any other purpose without your consent. You may opt-out of
receiving these notifications at any time and choosing to do so will not
affect your ability to participate in TruStage offerings.
* CHILDREN AND MINORS +
We do not knowingly collect personal information directly from individuals
under 17 years of age. Our services are not intended for individuals under
17 years of age. No one under 17 years of age should submit or post personal
information through our services. We may collect personal information
regarding individuals under 17 years of age from their parents or legal
guardians, but only as necessary to provide our products and services.
* LINKING TO THIRD PARTIES +
When you leave this website and go to another linked website, we are not
responsible for the content or availability of the linked website. Please be
advised that if you enter into a transaction on the third-party website, we
do not represent either the third party or you. Further, the privacy and
security policies of the linked website may differ from those practiced by
us.
* CHANGES TO THIS POLICY +
We reserve the right to change this Privacy Policy at any time in our sole
discretion. If we make changes, we will post the revised policy here, so that
you can see what information we gather, how we might use that information and
in what circumstances we may disclose it. By continuing to use our services
after notice is provided, you accept and agree to this Privacy Policy as
modified.
* INTERNATIONAL USERS +
This website is based and administered in the United States of America. The
website is governed by the laws of the United States and is not directed at
users based outside of the United States.
* CONTACT US +
If you have any questions about this Policy or your privacy rights, please
contact us at:
Mail
TruStage
P.O. Box 61
Waverly, IA 50677-0061
Telephone Number
800.834.2617
Email Address
privacychoicesmail@trustage.com
* 1-800-356-2644
* Log in
GET IN TOUCH
Have questions? We're here and ready to help.
1-800-356-2644
* LEGAL +
* Terms and Conditions
* Privacy Policy
* Accessibility
* Domestic abuse victim policy
*
*
*
*
* ¡Bienvenido!
* Sitemap
TruStage™ is the marketing name for TruStage Financial Group, Inc. its
subsidiaries and affiliates. Securities distributed by CUNA Brokerage Services,
Inc., member FINRA/ SIPC, a registered broker/dealer, 2000 Heritage Way,
Waverly, IA, 50677. Investment and insurance products are not federally insured,
may involve investment risk, may lose value and are not obligations of or
guaranteed by any depository or lending institution. All guarantees are based on
the claims paying ability of the underwriting company. Insurance products are
issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS
Insurance Society Inc., CUMIS Specialty Insurance Company Inc., American
Memorial Life Insurance Company, and Union Security Insurance Company.
America’s Best Insurance Companies 2024 scores were based on the responses of
15k consumers in categories: overall recommendation, satisfaction, loyalty,
advice, customer service, price/performance, transparency, digital services and
damage/benefit service. This award is based an independent survey of 3,200+
companies. TruStage’s Permanent Life Product, underwritten by CMFG Life
Insurance Company ranked #9 in the Permanent Life Category.
Please view these important product-specific disclosures:
* Consumer Insurance
* |
* Annuities
* |
* Preplanning
* |
* Lending
* |
* Retirement
* |
* Business Protection
Corporate Headquarters 5910 Mineral Point Road, Madison WI 53705
© TruStage. All Rights Reserved.
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which amount to a request for services, such as setting your privacy
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or alert you about these cookies, but some parts of the site will not then work.
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expected. You can set your browser to block or alert you about these cookies,
but some parts of the site will not then work.
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These cookies collect information for analytics and to personalize your on-site
experience. If you opt out we will not be able to offer you a personalized
experience and will not share your personal information obtained through these
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