Website Privacy Statement

PLEASE REVIEW THIS WEBSITE PRIVACY STATEMENT CAREFULLY BEFORE PROVIDING YOUR PERSONAL INFORMATION. USING THIS WEBSITE SIGNIFIES YOUR AGREEMENT TO THE TERMS OF THIS WEBSITE PRIVACY STATEMENT. IF YOU DO NOT AGREE WITH THE INFORMATION PROVIDED BELOW, PLEASE DO NOT USE OUR WEBSITE TO OBTAIN INFORMATION ABOUT YOUR COVERAGE OR TO CONDUCT CUSTOMER SERVICE TRANSACTIONS.

This Website privacy statement describes how information may be collected and used on colonialpenn.com, mycolonialpenn.com, cpdirect.com, ezissuelife.com, cppatriotprogram.com, colonialpenn1.com, colonialpenn2.com, colonialpenn3.com, cp50plus.com, colpenncares.com, familyprotectorlife.com, familyprotectorlife1.com, colonialpennvida.com, cpseguro.com (called the "Website(s)").The content of this Website is owned and controlled by CNO Services, LLC*. We may change our policies pertaining to information privacy and security at any time. However, if we make changes, we will update our Website Privacy Statement and display the date the change was effective.

This Website Privacy Statement is published to describe how we collect, use, and safeguard the Personally Identifiable Information (or "PII") you provide on this Website and to assist you in making informed decisions when using it.

This Website is intended only for use within the USA and its territories. If you use this Website from a location other than within the jurisdiction of the USA or its territories, your PII will be transferred to the USA. By using this Website and providing your PII you are consenting to the processing of your information according to the laws of the USA, its many states and territories.

 

Personally Identifiable Information (PII)

We understand our customers are concerned about their privacy and we recognize our obligation to keep your Personally Identifiable Information (PII) secure and confidential. PII is information that identifies you as a distinct individual, such as your name, policy number, Website log-in credentials, Social Security number, address, telephone number, email address as well as other financial or health information.

To register and use this Website, we only collect the PII you voluntarily provide to us. We will use the PII you provide to us to personalize your visits and provide you with the information you request. You may browse this Website without providing your PII but some functions of the Website will not be enabled. We will not sell, rent, or otherwise disclose your PII in ways different from what is disclosed in this Website Privacy Statement.

 

Technology and Internet Cookies

Use of Technology

While we do not collect PII at this Website unless you provide it to us, we may collect information that does not identify you as a distinct individual (or "Anonymous Information"). Anonymous information is information compiled in an aggregated form that is not used to identify, contact or locate you specifically. We may utilize an activity logging feature to capture information about our site usage, pages viewed, applications used, files downloaded, browser type, the user's Internet service provider (ISP), and the user's type of computer operating system. We use Anonymous Information only for the purpose of maintaining and improving this Website or other sites we maintain.

We may also collect information about you and your use of our Websites through the use of session cookies. We do not use cookies to identify you as a distinct individual. Cookies are small text files that are stored within your computer's temporary memory. These temporary files are used to facilitate your navigation throughout this Website. Cookies may be used to grant you access to both secured and unsecured areas and are only used for session tracking. Cookies may be required to gain access to the secured areas of our Website. Access to these secured areas may not be available if the cookie is rejected. Our Website's cookies are not tied to PII. We use this information to track trends and behavior, not to identify you as an individual. The anonymous information we gather includes date and time of visits, pages viewed, time spent at the site, and the site visited just before and after visiting our Websites. In addition, a cookie may also be used to make your visit to our Websites more convenient. For example, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on the Website. If a user rejects the cookie, the site may be used but may not function completely.

Privacy of Children

This Website is not directed toward or intended to be used by children under 13 years old. This Website does not knowingly register or otherwise collect PII from or about child under the age of 13 without the prior verifiable consent of the child's parent or guardian.

Sharing Information

We may use third parties to perform services on our behalf. Third parties that have access to PII are required to adhere to generally accepted privacy and security standards. Furthermore, such third parties have access to your personal data only to the extent necessary to perform their functions and may not use or disclose it for any other purpose.

In addition, we may try to provide a seamless experience to our Website users. From time to time we may use framing, masking and co-branding techniques, which would redirect you to one of our partner's websites by clicking a link on our site. If a partner's site is informational only, we may direct you to the site without notifying you first. However, we will not redirect you to a website that requests your PII without notifying you first.

If you apply for underwritten life insurance, information regarding your insurability will be treated as confidential. Colonial Penn Life Insurance Company or its reinsurers may, however, make a brief report thereon to MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company with the information in its file.

Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at 866 692-6901 (TTY 866 346-3642). If you question the accuracy of information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act. The address of MIB's information office is: 50 Braintree Hill Park, Suite 400, BrainTree, Massachusetts 02184-8734.

Colonial Penn Life Insurance Company or its reinsurers may also release information in its file to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.

Disclosure of PII that we collect about you at this Website is subject to our information privacy practices. Please review our Privacy Notice.

Internal Security Procedures

We take the protection of your PII very seriously. We use technology tools and design our business practices to help ensure that your PII is fairly and lawfully collected, stored, used, and shared. We secure your PII by using reasonable efforts to prevent unauthorized access or disclosure, or accidental loss or destruction. We also work to maintain the security of, and internal and external access to, your PII through the use of technology and our business practices. For your protection, we use secure servers when transmitting PII over the internet. The security protocols utilized are called Secure Socket Layer (SSL), IPSEC (Secure IP) and TripleDES. SSL protects all data transmissions between your computer and our information systems. SSL utilizes authentication and encryption technology developed by RSA Data Security, Inc. This method of cryptography means that unauthorized individuals cannot readily decipher your personal data. Our secure server uses 128-bit encryption. We utilize intrusion detection tools to secure your PII while it is stored inside our firewall. While we use generally accepted means of securing your PII, no information system can be guaranteed to be impenetrable.

 

CONTACT INFORMATION

If you have questions or suggestions regarding this Website privacy statement, please contact us at:

privacy@cnoinc.com

or

CNO Services, LLC
11825 N. Pennsylvania Street
Carmel, IN 46032
Attn: Chief Privacy Officer

 

Last updated: June 1, 2011

* CNO Services, LLC administers insurance products for the following affiliated insurance companies: Washington National Insurance Company, Conseco Life Insurance Company, Conseco Life Insurance Company of Texas, Bankers Life and Casualty Company, Bankers Conseco Life Insurance Company (a New York domiciled and licensed insurance company), and Colonial Penn Life Insurance Company.

CNO Services, LLC also administers select insurance products for the following non-affiliated insurance companies: Jefferson National Life Insurance Company, Fort Dearborn Insurance Company and Primerica Insurance Company.