Our Commitment To Privacy
Congress passed the Gramm-Leach-Bliley Act ("GLB") which deals, in part, with how insurance companies treat non-public personal information. In our general security practices, BFLIC strictly follows Georgia’s privacy law, which is, in most respects, more comprehensive and more stringent than the GLB standards.
BFLIC protects your Personally Identifiable Information by:
- Restricting access to your Personally Identifiable Information to authorized individuals who need to know this information in order to provide service and products to you;
- Maintaining physical, electronic, and procedural safeguards that protect your Personally Identifiable Information;
- Not disclosing Personally Identifiable Information about you or any former customers to anyone, except as permitted by law; and
- not allowing employees to share your Personally Identifiable Information outside the company except as authorized by you or for a specific business purpose. The law permits us to share this information with:
- our affiliates, including insurance companies and insurance service providers
- companies that perform marketing services for us, or other financial institutions the have joint marketing agreements with us.
We may also share other types of information with our affiliates and others, including insurance companies and insurance service providers. This information may or may not be Personally Identifiable Information or other information and may not be directly related to our transaction with you. Consistent with the Fair Credit Reporting Act, our standard authorizations permit us to share this information with our affiliates.
HIPAA Notice of Privacy Practices
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule allows members the right to receive a notice that describes how individual health information may be used and/or disclosed and how to acquire access to this information. BFLIC is fully committed to its compliance with the Privacy Rule of HIPAA in safeguarding sensitive, Personal Identifiable Information about our insureds, including identifiable health care and demographic data.
BFLIC is federally mandated to send a notice (Notice of Privacy Practices) to its insureds. You should be aware that your state law may afford additional access and amendment rights to you which differ from those granted by HIPAA. If you would like additional information concerning the collection and disclosure of protected health information and your rights under state law to access and amend such information, it will be furnished upon request. Please email your request to: info@BFLIC.com.
The Information We Collect through the BFLIC Website
Certain information provided by BFLIC on the BFLIC Website is available without BFLIC collecting any Personally Identifiable Information from you. However, BFLIC does collect Personally Identifiable Information that you provide voluntarily or in the course of using the BFLIC Website. In order to retrieve or submit any information through the BFLIC Website, individuals must be affiliated with BFLIC as a broker/producer, policyholder, employee, customer, provider, or otherwise have an account with BFLIC.
The Personally Identifiable Information you submit to us through the BFLIC Website may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding the processing of Personally Identifiable Information may be less stringent than the laws in your country.
We do not sell, rent or trade any of the email addresses that might be provided through the BFLIC Website to outside parties. We use the information we collect about you to facilitate to assist us in providing you with excellent products and services and to provide information to you about BFLIC and the products and services we offer.
We may use return email addresses to send emails and to answer the email we receive.
We will also use Personally Identifiable Information for the purpose you provide. We may use our email lists for sending newsletters and other BFLIC outbound communications, such as product information.
Though we will make every effort to preserve user privacy, we may need to disclose Personally Identifiable Information when required by law or if we have a good-faith belief that the action is necessary to comply with a pending judicial proceeding, a court order or legal process served on BFLIC or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure the integrity and operation of our organization and systems, or to protect the rights, property or safety of BFLIC, its employees, members or others.
Cookies, Web Beacons, Clear GIFs, and IP Addresses
Additionally, we may use IP address information to count and track aggregate visits to the BFLIC Website, to help diagnose problems with our server, and to administer the BFLIC Website. BFLIC does not link IP addresses to anything personally identifiable, so while a particular user’s session can be tracked, the user remains completely anonymous.
Third-party Access and Use
Occasionally, we hire third-party service providers to help provide or improve the services we offer you. Sometimes it is necessary for these providers to have access to the Personally Identifiable Information we collect about you. In those cases, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personally Identifiable Information we collect about you except for the purpose of fulfilling their service obligations to us.
We may share aggregate information about BFLIC Website users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such aggregated information we collect about BFLIC Website users to continue to improve our service for you.
Other Websites and Links
The BFLIC website may include links to other websites that we think will be of interest to you and are not operated by BFLIC. These third party websites have separate data collection and privacy practices independent from ours, and BFLIC cannot be responsible for the policies or activities of such other websites. Please contact such third parties directly if you have questions about their privacy policies.
At certain places on the BFLIC Website, we may ask you if you are interested in learning more about BFLIC’s products and services. If you elect to receive this information, we may use your email address or mailing address to respond to your inquiry. You may always decline the option of receiving information from us about BFLIC products and services. You may opt out of these mailings and other types of communications from us by sending an email to: email@example.com. Please note that additional measures may have to be followed to opt out of mailings and other communications received from agents who are not employees of BFLIC.
You will not be able to opt out of receiving all types of communication, such as service announcements and administrative messages, as these types of information are a necessary part of your use of the BFLIC Website. Modification of your account status or Personally Identifiable Information will not stop communications generated by or on behalf of BFLIC until BFLIC can accomplish the modification of the status of such information. We reserve the right to retain Personally Identifiable Information reasonably necessary to appropriately document our business activities, and for archival and record retention purposes.
How You Can Review or Correct Your Personally Identifiable Information
Certain users of the BFLIC Website may review and make changes to some of the Personally Identifiable Information that we collect and maintain online by simply logging in to the BFLIC website by inputting their username and password where indicated and following the instructions provided.
You can also correct factual errors in your Personal Information by sending us a request that clearly shows the error that is to be corrected. Please contact us with such requests at: support@BFLIC.com. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. In addition, you may be prompted at certain times on the BFLIC Website to update and correct your Personally Identifiable Information with us. It is your responsibility to keep the information that you provide to us current and accurate.
The BFLIC Website is not intended to be used by children and is not directed toward children under the age of 13. BFLIC does not use the BFLIC Website to knowingly solicit data from or market to children under the age of 13. The BFLIC Website does not sell products for purchase by children. No person under 13 years of age should disclose information on the BFLIC Website. If you are under 18, you may use the BFLIC Website only with the involvement of a parent or guardian. Please visit www.ftc.gov/kidzprivacy to learn more about protecting children’s privacy.
Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personally Identifiable Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personally Identifiable Information we collect online, and we make good faith efforts to store your Personally Identifiable Information in a secure operating environment. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect your Personally Identifiable Information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. If BFLIC provides you with a user name and password to access portions of the Website, BFLIC disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your user name and password to others. BFLIC further disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your policy number(s) and social security number, which are in some instances used to access Personally Identifiable Information on the BFLIC Website. If someone calls you, explains the call is on behalf of BFLIC and asks for your policy number or social security number, you should beware.
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BWS MKT PRP 5042 FOC