Notice of Web Site Privacy and Security Practices
At American Republic Insurance Services, LLC ("Company"), we understand that it is important to you that we keep your personal information confidential. We are committed to maintaining the confidentiality of your personal information and earning your trust. Therefore, we offer our website privacy and security practices below to:
- Demonstrate our commitment to your privacy and security;
- Help you understand the care with which we intend to treat your information; and
- Assure you that we take reasonable steps to see that these practices are followed.
Web Site Use Provision
When you visit the Company's websites, our computers and servers may automatically collect statistics about your visit. In these instances, this information does not identify you personally, but rather identifies functions performed during a visit to one or more of our websites. The Company may monitor user specific and user non-specific statistics, including but not limited to, how many users visit our websites, the user's Internet protocol (IP) address, which pages people visit, from which domains our visitors come, and which web browsers people use.
As a standard, the Company's website servers use log files. Our log file processes will perform tracking on IP addresses, web browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks within our websites. Our log file processes also administer the websites, track users' movement in the interactive sections, and gather broad demographic information for business purposes as permitted by law. Other logs will be kept for those applications that are submitted to us through our websites in order to retain and process the products and services that were requested.
When using an e-signature, you are contractually agreeing to our use of your information as described above and/or as revised from time to time by the Company. By visiting our websites, you have the ability to view our privacy and security policies and terms and conditions of use and any revision of these policies and/or terms and conditions of use.
Web Site Information Collection
The Company may require website users to submit information in order to perform certain website functions. To ensure that users receive products and services that best match their needs, users must provide complete and accurate information about themselves and those persons who will also benefit from these products and services. Examples of information users may be required to provide, include, but are not limited to, name, e-mail address, street address, and financial information (e.g. credit card number, expiration date, etc.) to fully execute their request for a product and/or service. The information collected is used for business purposes, such as marketing, underwriting, billing, and premium collection. The company does not sell, rent, or lease any of the information collected on our Web sites to any person or organization. If the Company is unable to process a website function, the user's information collected up until that point may be used to contact the user in order to fulfill the product or service request.
Additionally, we will only collect payment information from you when making purchases on our websites or using certain features on our websites. We will use your payment information to process your transactions. By making a purchase on our websites, you consent to our providing your payment information to our service providers and to such third parties as we determine is necessary to process your transactions.
Our websites will not knowingly collect personally-identifiable information from minors under the age of thirteen (13).
How is Personal Information Protected?
Our information technology systems use industry-recognized security controls to protect user information, and we have data security personnel whose sole responsibilities are to ensure the security of the information we collect, process, and store. Additionally, the Company has internal policies and procedures in place to limit access to user information to only those who have a business need to view it.
The Company may use third-party service providers to help us operate our business and our websites or administer activities on our behalf such as marketing, authorization of credit card transactions, or other administration purposes. We may share your information with these third parties for those limited purposes only.
All personal information and account activity are also protected through the use of user names and passwords. In order to maintain the security of your information, you should protect the confidentiality of your user name and password.
A "cookie," by definition, is a piece of information that a website sends to a user's web browser, which then stores information on the user's computer system. Users should be aware that cookies contain no more information than is volunteered, and are not able to "invade" the hard drive and return to the sender personal or other information from the user's computer.
The Company's websites employ a persistent cookie that is deleted when the browsing session ends or the cookie expires, whichever comes first. No personally identifiable information is ever stored with the cookie.
Consent and Changes to This Web Site
By using our websites, you signify your consent to the Company's online privacy and security policy. If you do not agree to this policy, please do not use our websites. The Company reserves the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Any changes to this privacy and security policy will be promptly disclosed in the policy. Before the Company makes a significant change in its website privacy and/or security practices, we will update this notice and post it on our websites at the time of the change. The Company reserves the right to make the new terms effective for all information which we maintain, including personal information that we collected or received before the Company made the changes to its policy. This notice is not intended to, nor does it create, any contractual or other legal right in or on behalf of any party, including you. We encourage you to check this page regularly since your continued use of this site following any changes to this privacy and security policy will be deemed to constitute your acceptance of any such change.
We do our best to maintain the accuracy of personal information you supply to us and we make corrections when you notify us. If you find information you would like to correct or update in any statements or other communication you receive from us, please contact our Customer Service Center at:
American Enterprise Group, Inc.
PO Box 9371
Des Moines, IA 50306-9371
If you have any questions about this privacy statement or the practices of the site, you may contact:
American Enterprise Group, Inc.
601 6th Avenue
Des Moines, IA 50334