Effective Date: 1 January 2016
For U.S. account holders and visitors to this Site, we will use and share any information that we collect from or about you in accordance with our Consumer Privacy Notice, which provides choices in the use and sharing of information.
“Personal information” is data that can be used to uniquely identify or contact a single person. Personal information we collect may include:
We may also ask for additional information such as your gender, occupation, and other preferences.
We obtain personal information from and about you:
For example, we collect personal information when you
By initiating any activity or transaction with us that uses payment information, you consent to providing your payment information to us and our service providers processing the transaction to the extent required to provide the payment services to you.
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We collect and use personal information to provide, administer and underwrite insurance products and to provide financial services to you and your family. We use your personal information to process your claims, verify transactions, provide billing, enhance your customer experience, and offer you our services and products. We collect and use your personal information to communicate with you about our products and services and to administer our Sites, products and services, and manage, protect and improve them.
Whenever you visit or interact with a Site, we, as well as our service providers, may use assorted technologies that automatically or passively collect information about how a Site is accessed and used. We refer to this information as traffic data.
Technologies we use on the Sites to collect traffic data, include but are not limited to: cookies (data files placed on your computer or other devices used to access a Site), mobile analytics software and pixel tags (transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which indicates that a page or email has been viewed). We, or our vendors, may place cookies or similar files on your computer or other devices used to access a Site for security purposes, to facilitate Site navigation and to personalize your experience while visiting our Sites (such as allowing us to select which content is most likely to appeal to you based on your location). A pixel tag may tell your browser to get content from another server. This information helps us analyze our Sites and improve our Sites, products and services. Traffic data is generally non-identifying, but if we associate it with you as an identifiable person, we will treat it as personal information.
To learn how you may be able to reduce the number of cookies you receive from us, or delete cookies that have already been installed in your browser’s cookie folder, please refer to your browser’s help menu or other instructions related to your browser. If you do disable or opt out of receiving cookies, please be aware that some features and services on our Sites may not work as intended and you may not have access to all of the services and features we may offer.
You can use Google’s Ads Settings to manage the Google ads you see and opt out of Ads Personalization. Even if you opt out of Ads Personalization, you may still see ads based on factors such as your general location derived from your IP address, your browser type, and your search terms.
We share information with affiliates and non-affiliated companies to manage business as permitted or required by law. For example, we may share information to help file claims on insurance policies for the deceased, or we may contract with non-affiliated third parties to administer our products and services to include underwriting, banking, mail and data processing. We only share information necessary for the contracted services. For CAP loans, we may disclose personal information to consumer reporting or collection agencies. AAFMAA may also disclose personal information to government agencies and regulatory organizations as permitted or required by law.
We never rent or sell any personal information to marketers outside AAFMAA.
We reserve the right to transfer any information we have about you in connection with a sale, merger, consolidation, change in control, transfer of assets, reorganization or liquidation of our business. We reserve the right to disclose any personal information as needed if that information is requested by law enforcement agencies or if we are required to do so by law, treaty, regulation, subpoena, court order, or by a government entity. We also may disclose your personal information to third parties if we have reason to believe that disclosing such information is necessary to conduct investigations of possible breaches of law, to cooperate in any legal investigation, or to identify, contact, or bring legal action against someone who may be violating any agreement with us or our Terms and Conditions of Use.
AAFMAA may disclose some or all of a former member’s personal information to government agencies, consultants and self-regulatory organizations when permitted or required by law, such as required to file abandoned property reports, compliance with subpoenas and other official requests. We may report the payment history of CAP loans to consumer reporting agencies.
We provide necessary information and test results to a paramedic and/or physician for insurance underwriting. Medical information may be shared with MIB, Inc., if specifically authorized on the insurance application, as part of the underwriting process.
If you no longer wish to receive our promotional communications, contact us by email to be removed from our lists. Be sure to include any contact information that you want removed from our promotional contacts list, including physical addresses, phone numbers, and email addresses (if you use more than one email address, send your opt-out email from each of your email addresses). If you receive any online newsletter or similar promotional email communication from us, you will always be given the option to “unsubscribe” from receiving further email communications from us at any time. Your option not to receive promotional and marketing material will not preclude us from corresponding with you, by email or otherwise, regarding your existing or past business relationships with us (e.g., any purchase of our products or use of our services, or responses to requests for information you pose to us either through use of a Site or by other means), and will not preclude us from accessing and viewing your personal information in the course of maintaining and improving our Sites and our services.
If you want to opt-out of receiving promotional communications from us, or if your personally identifiable information changes (such as zip code, phone, email or postal address), you may correct, update or delete/deactivate your personally identifiable information at any time by sending an email to email@example.com. If you are a registered Member, you may be able to log into your account and update some of your personal information. Note that if you have a separate agreement with us or our affiliates, you should also check the notice provisions in that agreement and update us or our affiliates if any contact information changes according to the notice provisions in that agreement. Your notifying firstname.lastname@example.org of any personal information changes will not serve as notice under any separate agreement you may have with us or our affiliates.
Unless your browser settings are configured to make your online activities and publicly available information about your online activities (such as traffic data described above) invisible to usage analytics tools, we do not presently have the capability to omit you from usage analytics to the extent your browser only sends us a “do not track” message and does not otherwise screen you from tracking without any action on our part.
Third parties, other than our vendors (such as our website analytics provider), do not have authorization from us to track which websites you visited prior and after visiting our Sites. That said, we cannot control third party tracking and there may be some third party tracking that occurs without our knowledge or consent.
The Sites are not intended for use by children under the age of 13, and we do not knowingly collect personal information from such children. If we learn that we have collected the personal information of such a child we will take steps to delete the information as soon as possible.
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