Effective Date: 01/01/2017
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:
such as Name, Date of Birth, Telephone Number, Email Address, Social Security Number and Demographic Data.
such as Income, Assets, Liabilities, Bank Account information and Other Insurance Products.
such as Medical History and other factors affecting insurability.
We collect the following personal information from you about your contacts or friends:
- First and last name
They may contact us at email@example.com to request that we remove this information from our database.
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.
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
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, PFSA may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
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 may contact PFSA at firstname.lastname@example.org to deactivate your account.
It is the policy of PFSA to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. We also limit access to Social Security Numbers, by among other means, only granting access to Social Security Numbers to our employees who use that information to perform their job-related duties. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.
We do not knowingly collect, maintain, or use personal information from our site about children under the age of 13. We request that persons under the age of 18 not use our site without supervision from a responsible adult. If a child whom we know to be under the age of 13 sends personal information to us online, we will delete their personal information immediately.
1120 East 14th Street
San Leandro, CA 94577
Upon request, PFSA will provide you with information about whether we hold any of your personal information. To request this information please contact us at email@example.com
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete/deactivate it by emailing our Customer Support at firstname.lastname@example.org or by contacting us by telephone or postal mail at the contact information listed above. We will respond to your request within a reasonable timeframe.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
A cookie is a piece of data stored on the user's device tied to information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. We use both session ID cookies and persistent cookies. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user's hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions. If users reject the cookie, they may still use our site. Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site. We do not respond to browser do-not-track signals at this time.
Technologies such as cookies or similar technologies are used by PFSA for analytics such as Google Analytics for site performance metrics. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by unsubscribing from our mailing lists.
As is true of most Web sites, we use third party tracking partners to gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole.
Our website may also use a website recording service which may record mouse clicks, mouse movements, page scrolling and text keyed into website forms, not including personal information. Data collected by this service is used to improve our website usability. The information collected is stored and is used for aggregated and statistical reporting, and is not shared with anybody else.
We may provide you the opportunity to participate in reviews conducted via email. If you participate, we will request certain personally identifiable information from you. Participation in these reviews is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).
We use this information to evaluate our level of customer service. With your consent we may post your reviews on our Web site along with your name. If you want your review removed please contact us at email@example.com
We use a third party service provider to conduct these reviews; that company is prohibited from using our users' personally identifiable information for any other purpose. We will not share the personally identifiable information you provide through a review with other third parties unless we give you prior notice and choice.
This Web site takes precaution to protect our users' information. Access to users' information is restricted in our offices, and we follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. When you enter sensitive information on our downloadable forms, we encrypt the transmission of that information using secure socket layer technology (SSL). Only employees who need the information to perform a specific job (for example, an agent or a customer service representative) are granted access to personally identifiable information. Furthermore, employees are kept up-to-date on our security and privacy practices. Every year, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users' information is protected. Finally, the servers that store personally identifiable information are in a secure environment in a locked facility. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security at our Web site, send an email to firstname.lastname@example.org
This Web site may from time to time contain links to other Web sites (which in turn may link to other locations) for the convenience of users in locating information and services that may be of interest. If you use these linked Web sites or advertisements, you may leave this site and go to Web sites that we do not control. If you decide to visit these Web sites or advertisers, you do so at your own risk and it is your responsibility to read and comply with the privacy policies on those Web sites. Your right to privacy on a linked site is limited to whatever rights are provided to you by the owner of the linked site.
PFSA Office is located at 1120 east 14th Street, San Leandro, CA 94577