Privacy Policy

This site is owned and operated by Group Insurance Concepts, Inc. The trust of our customers is our most valuable asset. We safeguard that trust by keeping nonpublic personal information about customers in a secure environment and using that information in accordance with this Privacy Policy.

This Privacy Policy includes examples of the types of nonpublic personal information we collect and the kinds of companies with whom we share such information. These examples are illustrative and should not be considered a complete inventory of our information collection, use, and sharing practices.

Please note that this Privacy Policy will not apply to your relationships with other financial service providers, such as banks, finance companies, mortgage companies, independent insurance agents, and insurance companies that are not controlled by us. Their privacy policies will govern how they collect, use, and disclose personal information that you allow them to access. However, independent agents contracted with Group Insurance Concepts, Inc. have agreed never to sell, transfer, assign, or give away your personal information to any other person or organization and to use this information only for the purpose of providing the financial services you have requested.

Below is our privacy pledge to our customers:

Information We May Collect

We may collect nonpublic personal information about you from the following sources:

• Information we receive from you (or that is provided to us on your behalf) on applications and other forms, such as your name, address, telephone number, employer, and income;

• Information about your transactions with companies affiliated with Group Insurance Concepts, Inc., such as your name, address, telephone number, age, insurance coverage, transaction history, claims history, and premiums;

• Information collected by nonaffiliated financial services providers that respond to your requested transaction, including information about the products or services you purchase;

• Information you provide to us on applications or from health care providers, such as doctors and hospitals, to determine your past or present health condition. Health information will be collected as we deem appropriate to determine eligibility for coverage, to process claims, to prevent fraud, and as authorized by you, or as otherwise permitted or required by law.

Site Usage – Cookies

Our websites also gather anonymous information and demographic information, which does not personally identify you. We use this information to analyze our site usage patterns, and we may share this information with third parties for marketing reasons. Typically, this information is collected through "traffic data" and may entail the use of "Cookies," "Internet Protocol" addresses, or other tags or numeric codes used to identify a computer. Again, any disclosure of this demographic information will not reveal any personally identifiable information about specific users.

A ‘cookie’ is a message given by a web server to an Internet web browser. The browser stores the message in a small text file on the same drive that the browser is installed on. The message is then resent to the server each time the browser requests a page from that server. We do not use cookies to track user’s aggregate data from sites other than our own. The only cookie-based data we track is activity on our own site concerning site usage and demographics. A user must have cookies enabled in order to use certain restricted features of the site, such as saving personal data so that a user does not have to re-enter it each time they visit our site or request a quote.

Information We May Disclose and To Whom We May Disclose Information

The nonpublic personal information we may collect as described above may be disclosed in order to deliver products and services to you, provide customer service, or administer your account.

• Disclosure Permitted by Law

We may disclose all of the nonpublic personal information described above, as permitted by law. For example, we may use affiliated and nonaffiliated parties to perform services for us, such as providing customer assistance, handling claims, protecting against fraud, and maintaining software for us. We also may disclose information in response to requests from law enforcement agencies or State insurance authorities.

• Disclosures for Joint Marketing and Servicing

In addition, we may disclose all of the nonpublic personal information we collect as described above, with the exception of health information, to companies that perform marketing services on our behalf (for example, financial service providers, such as banks, and credit card issuers; nonfinancial companies, such as direct marketers and mail houses; and others, such as membership organizations) or to other financial institutions, such as banks and credit card issuers, with whom we have joint marketing agreements. We also may share such information among the affiliated companies of Group Insurance Concepts, Inc. to perform marketing services on our behalf or to offer you other products and services that we think may be of interest to you.

Our Security Procedures

We restrict access to nonpublic personal information about you to those employees whom we determine have a legitimate business purpose to access such information in connection with the provision of products or services to you. We employ security techniques designed to protect our customer data. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We provide training and communications programs designed to educate employees about the meaning and requirements of our strict standards for data security and confidentiality.

Opt-Out

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties other than as necessary to effect or administer your requested transaction or as permitted by law, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures. If you wish to opt-out of disclosures to nonaffiliated third parties, you may contact us at the e-mail address listed below.

Changes to this Privacy Policy

Group Insurance Concepts, Inc. may change its privacy practices in the future. If we change the way we treat any nonpublic personally identifiable information we will:

• Post a revised privacy policy at this location; and

• In the event the change could affect your nonpublic personally identifiable information already in our database, we will email you to notify you of the change and include an option for you to opt-out of the process.

Contacting Us

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, please contact:

Group Insurance Concepts, Inc.

40 W. Church Street

Rocky Mount, Virginia 24151

privacy@uslifequotes.com