Your privacy is important to us. This privacy notice describes how Modern Life, (“Modern Life,” we,” “us,” or “our”) collects, processes, maintains and discloses your Personal Information when you use our website and online services (collectively, the “Website”), interact with us over the phone or in person, or otherwise provide us with your Personal Information, including through our third party agents.
Modern Life provides this Website in order to facilitate the advice, application, and purchase of life insurance policies through insurance agents, (the “Services”). The Website also provides information about us and our Services. Your use of the Website is governed by the Terms of Use.
“Personal Information” is information that can be used to identify someone or relates to an identifiable individual. We may collect the following categories of Personal Information about you:
If you use the Website, contact us by email or telephone, or otherwise provide us with your Personal Information, we may collect:
If you submit an application for insurance to us, including through your third party agent, we may collect:
If you apply to enter or enter into a Producer Agreement with us, we may collect:
We may collect your information in several ways, including:
We may also use any information that we collect on an aggregate or anonymous basis (such that it does not identify an individual or household) for various business purposes, where permissible under applicable laws and regulations.
We may use your Personal Information for several purposes, including to:
We do not disclose, share, sell, or otherwise transfer your information to or with any third parties, except as provided below.
In addition, we may share anonymous or aggregated information with third parties to help deliver products, services, and content that are tailored to the users of the Website and for other legitimate purposes.
When you visit or interact with the Website, we and other companies we work with may deploy and use cookies and similar technologies (such as web beacons, local shared objects and other tracking technologies) for a variety of reasons, including to collect Website data in order to enhance the security of the Website, perform analytics concerning your use of the Website, and comply with and enforce applicable legal requirements, industry standards, and our policies.
We may also use Google Analytics cookies to collect information about how visitors use the Website. These cookies collect information in the aggregate to give us insight into how the Website is being used. We anonymize IP addresses in Google Analytics, and the anonymized data is transmitted to and stored by Google on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your anonymized IP address with any other data held by Google. For an overview of these Google Analytics cookies, please visit this link. You may install a Google Analytics Opt-out Browser Add-on by going to this link.
You may have other means of controlling the use of cookies and similar technologies on this and other websites. You may be able to instruct your browser or mobile device to warn you each time a cookie is being sent, or to reject all or certain kinds of cookies. Typically, you can do this by changing the privacy settings on your internet browser or device. However, if you choose to reject cookies, the Website may not function properly and some Website services may be diminished.
Do Not Track
Certain web browsers may allow you to enable a “do not track” option that sends signals to the websites you visit indicating that you do not want your online activities tracked. This is different from blocking cookies because browsers with the “do not track” option selected may still accept cookies. Right now, there is no industry standard for how companies should respond to “do not track” signals, although one may be adopted in the future. We do not respond to “do not track” signals at this time. If we do so in the future, we will modify this privacy notice accordingly. More information about “do not track” is available at www.allaboutdnt.com.
Modern Life may provide links to websites that are owned or operated by other companies (“third-party websites”). When you use a link on the Website to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use, and security practices of the linked third-party website before providing any information on that website. We make no warranties or representations about third-party websites.
We use reasonable safeguards to protect and limit access to Personal Information. However, no transmission or storage of data can be guaranteed to be 100% secure. As a result, despite our reasonable efforts to protect your information, we cannot ensure the security of any information you provide to use or we collect about you. Please also note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.
We also restrict access to Personal Information to our employees and others who we know must use it to provide our products and services. Their use of Personal Information is limited by law, our employee code of conduct, and written agreements where appropriate.
The website is intended only for use in the United States, and we may transfer your Personal Information to the United States and process it there. The laws of the United States may not be as protective of your information as the laws of your country. By using the Website, you agree and consent to the transfer of your Personal Information to the United States.
Our Website is intended for general audiences and is not directed to, nor do we knowingly collect information directly from, children under the age of 13. If you are a parent or legal guardian of a child under 13, we encourage you to monitor your children’s use of the Internet. If we become aware that we have received the Personal Information of a child under 13 without parent or guardian authorization, we will take reasonable measures to delete such information.
We may change this privacy notice from time to time. When we do, we will let you know by appropriate means such as by posting the revised notice on this page with a new “Last Updated” date. Any changes to this privacy notice will become effective when posted unless indicated otherwise.
If you have any questions, comments, concerns, or compliments about this privacy notice, please contact us: legal@modernlife.com