Privacy Policy
Privacy Policy
Protecting the privacy and security of personal information about our customers is important. This privacy policy (“Privacy Policy”) tells you how Seniors Choice Benefits Group. (“Seniors Choice Benefits Group “), treats information collected on www.myscbg.com about our current and former customers. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
If you have questions or complaints regarding our Privacy Policy or practices, please contact us at 813-448-1110 or by email at info@myscbg.com
We do not sell or share information about our customers with anyone else other than in the ways that are described in this Privacy Policy. We maintain physical, electronic and procedural safeguards to protect the information. Our employee access to information about our customers is limited to people who need access to do their jobs.
COLLECTION OF INFORMATION
We get most of the information we need from customer applications and other forms. If a customer authorizes it, we may get information from others. We may obtain information as we process customer transactions. If you provide information to My Seniors Choice Benefits regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable Privacy Notice provided to you? and (b) to obtain any legally required consent of information about the individual in accordance with this Privacy Policy and other Privacy Notice.
For example, when a person applies for life insurance we may ask for permission to get information from insurance support organizations such as the Medical Information Bureau and consumer reporting agencies. We may also obtain information as we process customer transactions. The information we collect through our Web site and offline includes:
CUSTOMER INFORMATION
such as Name, Date of Birth, Telephone Number, Email Address, Address and Demographic Data.
THIRD PARTY PERSONAL INFORMATION
We collect the following personal information from you about your contacts or friends:
• First and last name
They may contact us at info@myscbg.com to request that we remove this information from our database.
USE OF INFORMATION
We use the information for business purposes, such as
• contacting you regarding the products or services in which you have expressed an interest.
• processing applications and claims,
• servicing your business,
• responding to your questions and concerns,
• improving our Web site and marketing efforts, and
• offering you other products and services.
INFORMATION SHARING
We share the information with others who provide services to help us process or administer our business.
We may share information under the following circumstances:
• with medical examiners who help us underwrite life insurance applications
• with service providers such as third parties who help us process claims or print our customer statements, an email service provider to send out emails on our behalf, and an employment company to assist us with our hiring. We require that our service providers limit their use of the information and keep it confidential, and will share the personal information you provide only as necessary for the third party to provide that service
• when we have the customer’s prior permission
• when we are allowed or required by law to disclose it, such as to comply with a subpoena, or similar legal process
• when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request, or
• if Seniors Choice Benefits Group is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information
We may share information with other companies to offer customers other financial products and financial services that may be of interest to them.
However, you have the right to tell us that you do not want us to share any information with these companies. This right is known as the right to “opt out.” You may opt out at any time by sending us a written request to the address below. Even if you opt out we may still disclose information as allowed or required by law.
We will not share information with anyone else unless:
• we have the customer’s permission, or
• we are allowed or required by law to disclose it.
In certain situations, Seniors Choice Benefits Group may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
Due to the global nature of our business, for the purposes set out above we may transfer information to parties located in other countries. We may transfer information internationally to our group companies, service providers, business partners and governmental or public authorities. By providing information through our on-line services, and/or by sending a communication to a Seniors Choice Benefits Group e-mail address, you understand and consent to the collection, use, processing disclosure and transfer of such information in the United States and other countries or territories, which may have different data protection laws than the country where you reside, in accordance with the terms of this Privacy Policy. Further, please note that any communication you send to an Seniors Choice Benefits Group Company e-mail address will be routed through the United States. We will utilize appropriate safeguards governing the transfer and usage of your personal information.
How Can I Unsubscribe From Seniors Choice Benefits Group Communications?
We will occasionally send you newsletters and information on products, services, special deals, and promotions. We will use your name and email address to send these emails to you.
You may unsubscribe or opt out of these communications at any time by sending us a written request or by following the unsubscribe instructions contained in each of the email communications you receive. Even if you unsubscribe we may still disclose information as allowed or required by law.
We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not unsubscribe from these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.
Is This Privacy Policy a Contract?
This Privacy Policy is not a contract and is not intended to be a contract between customers or visitors, and the site sponsor, its subsidiaries or affiliates with respect to any information practices concerning information obtained through use of this site.
Will I Be Notified of Privacy Policy Changes?
If we decide to change our privacy policy, we will post those changes on our Web site. Access to those changes will be presented via a link on our homepage and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected. If, however, we are going to use users’ personally identifiable information in a manner different from that stated at the time of collection, we will notify users via email or postal mail, prior to changes taking effect. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of receiving communication from Seniors Choice Benefits Group then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Web site notifying users of the change, prior to changes taking effect.
How Can I Contact You for Information?
If users have any questions regarding our Privacy Policy, please contact us at:
Seniors Choice Benefits Group, LLC
Tampa, FL
Phone: 813-448-1110
Email: info@myscbg.com