Professional Benefit Services, Inc. Privacy Policy

We collect customer personal information from the following sources:

• Applications or other forms, such as policies, where we obtain items such as your name, date of birth, etc.;
• Your transactions with us and our affiliates, such as premium payments;
• Our Internet websites, where we capture items that you provide when you fill out forms.

• With affiliates to administer your account, or to give you information about other products and services that may be of interest to you. We may also share non-credit-related information with affiliates to develop marketing programs. We may do this without obtaining prior authorization and law does not allow customers to restrict these disclosures.
• We may also share your information with our affiliates about your transactions and experiences with us, such as payment history.
• With your agent, broker or representative in order to service your account.
• With non-affiliates in order to administer your account or administer our business. With non-affiliates with whom we have a joint marketing agreement, such as other financial companies, in order to send you information about products and services. We require all non-affiliates to keep your information confidential. We do not share your information with non-affiliates for any reason other than those stated above.
• We may also share your information if the law permits or requires sharing.

Certain disclosures may require us to allow you to "opt-out'.' If we are considering making a disclosure that triggers your right to opt-out, we will allow you to do so before your information is shared.

Confidentiality and Security

Access to your personal information is restricted to only those Professional Benefit Services, Inc. employees who need it to perform the services required of your account. We have physical, electronic, and procedural safeguards that comply with applicable federal and state regulations to keep your personal information safe. If you decide to end your relationship with a member of the Professional Benefit Services, Inc. Corporate Family, or if your account or policy becomes inactive for some other reason, we will continue to treat and safeguard your information as described in this statement.

Any health information collected by us requires you to complete a separate authorization. We will not disclose your health information to anyone without your authorization, unless the law permits or requires us to do so.