Privacy Policy for Members

Effective Date: 9/1/2018

The Order of United Commercial Travelers of America (“UCT,” “we,” “us,” “our”) respects your privacy and takes the responsibility of protecting the information you provide to us during the application process and via our website (“Site”) very seriously. To that end, this Privacy Policy discloses our practices regarding the collection, use, and disclosure of the information we receive from you. The practices described in this Privacy Policy are further applicable to current and former members who have insurance policies issued by us, or who are otherwise associated with us, such as fraternal only members. By providing us with Personal Information and using the Site, you accept the terms of this Privacy Policy.

Scope
The Privacy Policy applies to: (1) Personal Information you provide to us when submitting applications and others documents via fax, U.S. mail, or in-person delivery; and (2) the Site, which includes www.uct.org, its subdomains, and all of the websites and internet properties owned or operated by us, regardless of the medium in which the Site is accessed by a user (e.g., via a web or mobile browser).

Information We Collect
We collect several types of information from and about you, including:

Information Collected on the Site: When you use, navigate, and/or complete forms on the Site, we may collect personally identifiable information that may include, without limitation, your first and last name, date of birth, gender, email address, telephone number, address, member number, and membership account username and password (collectively, “Site Information”).

Information Collected through the Application Process: We receive most member information directly from you as part of the application process completed either via physical application or through the Site. The types of information we may collect includes, without limitation, information related to your finances, employment, health, avocations, other personal characteristics, or other transactions with us (collectively referred to as “Provided Information”). Provided Information and Site Information shall hereinafter collectively be referred to as “Personal Information.”

If we need to verify any Provided Information or require additional information, we may obtain such additional information from third parties, including, but not limited to: adult family members, employers, other insurers or societies, consumer reporting agencies, physicians, hospitals, and other medical personnel. Information obtained from a report prepared by an insurance-support organization—such as the Medical Information Bureau—may be retained by that organization and disclosed to other persons or organizations.

Usage Information: When you use and navigate the Site, we may collect additional information from you that may not by itself reasonably identify you as the source such as the number of visits you make to the Site (collectively, “Usage Information”). We will take reasonable measures to ensure that the Usage Information we collect is not personally identifiable and may not later be easily used to identify you as otherwise required by applicable law.

Children Under the Age of 13
The Site is not intended for children under 13 years of age. We do not market to and do not knowingly collect any Personal Information from or about a child under the age of 13 without the consent of the child’s parent or legal guardian. If we discover that we have inadvertently collected information from a child under 13 years of age, we will promptly take all reasonable measures to delete such information from our systems.

How We Collect Information
We collect Personal Information and Usage Information (collectively, “Your Information”) as set forth below:

Directly From You: We collect Personal Information from you when you voluntarily provide Personal Information to us by, for example, completing forms, creating user accounts, or through the application process on the Site as well as through the submission of applications via fax, U.S. mail, or in-person delivery.

Through Your Use of the Site: We collect Usage Information that records the number of visits you make to the Site.

From Third-Party Services: We collect Personal Information about you from third parties whose privacy practices may differ from the practices described in this Privacy Policy. We do not endorse or make any representations or warranties concerning, and will not in any way be liable for, any informational content, products, services, software, or other materials available through third parties. Your use of third parties’ services and/or third-party websites is governed by and subject to the terms and conditions of those third parties and/or third-party websites. We encourage you to carefully review the privacy policies and statements of such third parties and/or third-party websites.

How We Use Your Information
We use Your Information for various general purposes to help enhance your experience. These purposes include, but are not limited to:

Insurance Policy Services: We may use your Personal Information to issue and service your insurance policy, evaluate benefit claims, and process transactions requested by you. Any Personal Information we collect about you will be contained in our policy records.

E-Newsletters: We may use your Personal Information to send you news and updates related to our services via our newsletter. You have the option to opt-out of receiving our e-newsletter.

Direct Marketing: We may use Your Information to send you promotional materials about products, features, and options you have expressed an interest in or that we believe may be of interest to you. You have the option to opt-out of receiving direct marketing.

Business Optimization: We may use Your Information in analyzing users’ browsing and usage activities and patterns in order to understand users’ interests and preferences with respect to our services and the Site. We may also use Your Information in managing our everyday business needs.

How We Disclose Information
We may disclose Your Information to affiliates, as well as third-party partners, as follows:

Service Providers: Your Information may be shared with third-party service providers that assist us in providing customer support, communicating with customers and promoting our services, as well as third-party service providers that provide other services to us relating to our services and/or the Site. These third-party service providers assist us in fulfilling transactions you have requested, servicing your policy, marketing our products, investigating and/or handling claims, detecting and/or preventing fraud, and participating in insurance support organizations.

Non-Affiliated Third Parties: Your Information may be shared with non-affiliated third parties for the purpose of facilitating communications between you and them. Non-affiliated third parties will provide you with promotional materials about products and services you may be interested in. You have the option to opt-out from us disclosing Your Information to non-affiliated third parties.

Law Enforcement, Safety, and Legal Processes: Your Information may be shared with law enforcement or other government officials if it relates to a criminal investigation or alleged criminal activity. We may also share Your Information if required or permitted to do so by law, for fraud protection and credit risk reduction purposes, or in the good-faith belief that such action is necessary to protect and defend our rights, property, or users of the Site. We may further share Your Information to act under urgent circumstances to protect the safety of our employees or a member of the public, or to comply with a judicial proceeding, court order, or legal process.

Sale or Acquisition of Assets: If we become involved in a transaction involving the sale of our assets, such as a merger or acquisition, or if we are transferred to another company, we may disclose and/or transfer Your Information as part of the transaction. If the surviving entity in that transaction is not us, the surviving company may use Your Information pursuant to their own privacy policies, and those policies may be different from our Privacy Policy.

Confidentiality of Your Information
Within UCT, all employees may have access to Your Information only when appropriate and necessary to deliver services to you.

When we disclose Your Information to service providers and non-affiliated third parties, we expect those entities to use Your Information only for the purposes of providing you the services we have requested. We do not make any representations or warranties concerning, and will not in any way be liable for, the data security practices of service providers and non-affiliated third parties we disclose Your Information to. All individuals working on our behalf and under a confidentiality agreement may have access to Your Information only when appropriate and necessary to deliver services to you.

Data Security
The Site uses commercially reasonable security measures to protect Your Information. However, no data transmitted over or accessible through the internet can be guaranteed to be 100% secure. As a result, while we attempt to protect Your Information, we cannot ensure or warrant that Your Information will be completely secure from misappropriation by hackers or from other nefarious or criminal activities, or in the event of a failure of computer hardware, software, or a telecommunications network.

We further use commercially reasonable security measures to protect your Personal Information when received via fax, U.S. mail, or in-person delivery.

Modifications
The Privacy Policy was last modified at the date first printed above. Please note that we may update this Privacy Policy from time-to-time in our sole discretion. It is your responsibility to review the Privacy Policy for any changes each time that you use the Site. We will not lessen your rights under this Privacy Policy without your explicit consent.

External Links
The Site may contain links to other websites. We do not endorse or make any representations or warranties concerning, and will not in any way be liable for, any informational content, products, services, software, or other materials available on an external website, even if one or more pages of the external website are framed within a page of this Site. Please be aware that we are not responsible for the privacy practices or policies of such other websites.

Accessing and Updating Information
If you ever wish to access Your Information or have Your Information deleted, updated, changed, or modified, or to cancel your account, you may do so by contacting us at the information set forth below. We will generally make Your Information available to you for inspection (except for any information we maintain in connection with, or in anticipation of, any legal proceedings). In the case of incorrect information, please inform us in writing of the potential error. Once we verify an error has been made, we will promptly correct the error and notify you in writing once the error has been corrected. We will make commercially reasonable efforts to handle requests to update or modify Your Information within thirty (30) days.

If you would like to opt-out of receiving our e-newsletter or direct marketing communications from us, you may do so by following any instructions included in the communications or by contacting us by phone, email, or mailing address at the information set forth below. If you would like to opt-out of the disclosure of Your Information to non-affiliated third parties, you may do so by contacting us by phone, email, or mailing address at the information set forth below.

Contact Information
If you would like to contact us with questions or comments concerning the accuracy and/or privacy of Your Information, or if you believe that we have not adhered to this Privacy Policy, please notify us by contacting the following:

Attn: Customer Service
The Order of United Commercial Travelers of America,
1801 Watermark Drive, Suite 100
Columbus, Ohio 43215
Phone: 1-800-848-0123, ask for “Customer Service”
Email: customerservice@uct.org

We welcome your questions and comments.