Heritage Mutual Life Insurance Company (“HMLIC,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy outlines our practices for collecting, using, maintaining, protecting, and disclosing personal information. This policy applies to all users of our website, services, and products.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, address, email address, phone number, Social Security number, date of birth, and other identifying information.
• Financial Information: Payment information, credit history, income details, and banking information for processing insurance claims and policy payments.
• Health Information: Medical history, physical characteristics, and lifestyle information (for underwriting and claims purposes).
• Device Information: IP address, browser type, device identifiers, and usage data when you visit our website.
• Other Information: Any other information you choose to provide in the course of interacting with us.

2. How We Use Your Information

We use the information collected to:

• Process applications, claims, and payments for insurance policies.
• Conduct underwriting, risk assessments, and policy management.
• Communicate with you regarding policy updates, renewals, and customer service requests.
• Improve our services, analyze website usage, and personalize user experience.
• Comply with legal obligations, including regulatory compliance and reporting.
• Prevent fraud, safeguard against misuse, and ensure data security.

3. Information Sharing and Disclosure

We may share your information under the following circumstances:

• With Service Providers: We may share information with third-party service providers who assist us in providing our services, such as payment processors, IT support, and data analytics providers.
• With Legal Authorities: We may disclose information to regulatory authorities, government agencies, or law enforcement as required by law or in response to legal requests.
• For Business Transfers: In the event of a merger, acquisition, or sale, your information may be transferred as part of the business assets.
• With Your Consent: We may share information with other parties if you provide explicit consent.

We do not sell your personal information to third parties.

4. Your Rights and Choices

CCPA Rights (California Consumers Only)

Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information. These include:

• Right to Know: You have the right to request details about the categories of personal information we collect, the sources of this information, our business purposes, and the categories of third parties with whom we share this information.
• Right to Access: You have the right to request access to the specific pieces of personal information we hold about you.
• Right to Delete: You may request the deletion of your personal information, subject to legal exceptions.
• Right to Opt-Out: You have the right to opt-out of the sale of your personal information (though we do not sell personal information).
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise your CCPA rights, please contact us at +1 (855) 783-8189 or visit Contact Us.

CalOPPA Compliance (California Online Privacy Protection Act)

Under CalOPPA, we are required to disclose how we respond to “Do Not Track” (DNT) signals. Our website does not currently respond to DNT signals from browsers. However, we do respect the privacy rights outlined in this policy and CCPA for California residents.

5. Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information. Our security measures include:

• Data Encryption: All sensitive information, including financial and health data, is encrypted during transmission.
• Access Control: Access to personal information is restricted to authorized personnel only.
• Regular Audits: We conduct regular audits and assessments to ensure compliance with data protection standards.

While we strive to protect your information, no method of electronic storage is completely secure. We cannot guarantee absolute security.

6. Retention of Personal Information

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. When information is no longer needed, we securely delete or anonymize it in accordance with regulatory requirements.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve user experience, analyze usage, and deliver personalized content. You may control or disable cookies through your browser settings, but this may affect your ability to access certain features of our website.

• Necessary Cookies: Essential for website functionality.
• Analytical Cookies: Used to analyze website performance.
• Advertising Cookies: May be used to display relevant ads.

8. Children’s Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe a minor has provided personal information to us, please contact us at +1 (855) 783-8189 or visit Contact Us to request deletion.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites. We encourage you to read the privacy policies of any third-party sites you visit.

10. International Transfers

If you access our services from outside the United States, please be aware that your information may be transferred to, processed, and stored in the United States. By using our services, you consent to this transfer of information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. Any changes will be posted on this page, and we will notify you of significant changes through email or a prominent notice on our website.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

• Email: Info@HeritageMutualLife.com
• Phone: +1 (855) 783-8189
• Mailing Address:
  Heritage Mutual Life Insurance Company
  9169 W State St, Suite no. 3603
  Garden City, ID 83714

You may also contact us through Contact Us for privacy-related inquiries or to exercise your rights under CCPA.

13. Your Consent

By using our services, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

14. Additional Information for California Residents

California residents may contact the California Department of Insurance for further information about consumer privacy rights related to insurance policies. Please visit https://www.insurance.ca.gov for more information.