Privacy Policy

THIS PRIVACY POLICY STATEMENT IS ISSUED BY iptiQ AMERICAS AND ITS SUBSIDARY – LUMICO LIFE INSURANCE (TOGETHER, "iptiQ"). IT APPLIES TO ALL WEBSITES AND MICRO-SITES OWNED OR MANAGED BY OR ON BEHALF OF iptiQ UNDER THE URLS IPTIQ.COM OR LUMICO.COM (THE "IPTIQ SITES", EACH A "IPTIQ SITE").

BY ACCESSING THE IPTIQ SITES AND ANY PAGE THEREOF YOU TAKE NOTE AND AGREE THAT WE COLLECT AND USE YOUR PERSONAL DATA AS SET OUT IN THIS PRIVACY POLICY STATEMENT AND THE TERMS OF USE. BY CONTINUING TO ACCESS OR USE A IPTIQ SITE OR BY USING AN E-MAIL ADDRESS PROVIDED ON A IPTIQ SITE, YOU TAKE NOTE AND ARE CONSENTING TO OUR USE OF YOUR PERSONAL DATA AS DESCRIBED IN THIS PRIVACY POLICY STATEMENT. PLEASE DO NOT ACCESS THIS IPTIQ SITE AND DO NOT SEND US YOUR PERSONAL DATA IF YOU DO NOT WANT US TO STORE OR USE THE DATA AS DESCRIBED IN THIS PRIVACY POLICY STATEMENT.

ipitQ reserves the right to vary or amend this Privacy Policy Statement at any time and iptiQ is under no obligation to inform you about such variations or amendments. The most recent version of the Privacy Policy Statement will govern our use of your information and will always be available on the iptiQ Sites. By continuing to access or use this iptiQ Site after any changes become effective, you agree to accept the revised Privacy Policy Statement.
 
iptiQ is committed to protecting your privacy. This Privacy Policy Statement concerns the entire online collection of personal data on iptiQ Sites and describes how your personal data is collected and used and how iptiQ fulfils its obligations under applicable data protection law.
 
The headings used for each of the paragraphs of this Privacy Policy Statement do not affect its interpretation. “You” means a user of iptiQ Sites. “We” means iptiQ. “User data” or “data” means personal data that has been collected from users through various functionalities of iptiQ Sites or by the use of an e-mail address given on a iptiQ Site. “Personal data” means information relating to an identified or identifiable person.
This Privacy Policy Statement should be read in conjunction with the Terms of Use. Any defined terms used in this Privacy Policy Statement but not defined herein bear the definition given in the Terms of Use.

Additional information

Welcome to iptiQ. We are committed to helping our partners close the protection gap. We recognize that in order to accomplish this we must protect the privacy and security of personal information. This Online Privacy Policy describes how we use and protect personal information stored and used in our online tools including this website and our associated websites. This Privacy Policy is not a contract between us and our website users.
 
We use industry-leading tools and processes to ke¬ep your information safe. And remember, privacy starts with you keeping your device and password safe and secure.

OUR PRIVACY PRINCIPLES

  • We do not sell customer information.
  • We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.
  • We contractually require any person or organization providing products or services on our behalf to protect customer information.
  • We do not share customer information outside our family of companies unless:
    • they are providing services necessary to support your insurance
    • you expressly authorize it; or
    • it is permitted or required by law; or
    • your insurance policy contract with us permits us to do so.
  • We protect the information of former, prospective, and current policyholders.

WHAT WE COLLECT

As part of your application for insurance products and to manage your account, we’ll collect these kinds of information about you:

  • Contact information (such as address, phone, email)
  • Demographic information (such as region and gender)
  • Identifiers (such as Social Security and driver's license numbers)
  • Household (such as dependents)
  • Insurance history (such as payments and claims)
  • Financial information (such as credit history)
  • Health information
  • And some other information related to your life and your interactions with our online tools.

We collect this information because it is necessary and useful for us to have in order to provide you insurance.

HOW WE COLLECT IT

We acquire your personal information from a few sources.

  • From you directly. This includes your customer applications and other forms, your requests for services or information from us, and your communications and interactions with us, including our online tools.
  • From third parties such as the Medical Information Bureau and consumer reporting agencies.

HOW WE USE PERSONAL INFORMATION

We only use personal information for legitimate business purposes, such as

  • Processing applications and claims
  • Servicing your business
  • Verifying your identify in order to protect your information and your account
  • Contacting you regarding the products or services in which you have expressed an interest
  • Responding to your questions and concerns
  • Improving our products and services, our website and marketing efforts
  • Offering you other products and services that we believe may be of interest to you

HOW WE SHARE PERSONAL INFORMATION

We share the information with others who provide services to help us process or administer our business, and only as permitted by law.
We may share information with other entities under the following circumstances:

  • For our everyday business purposes, for public policy purposes, and as permitted or required by law or the legal process.
  • As needed, to handle your claim(s). This includes, for example, our agents, investigators, attorneys.
  • For support in our underwriting process, such as credit reporting agencies or medical examiners.
  • Other persons or organizations who we have determined need the information to perform a business, professional or insurance function for us. This includes, for example, service providers such as third parties who help us process claims or print our customer statements, email service provider to send out emails on our behalf. We require that our service providers limit their use of the information and keep it confidential, and will share the personal information you provide only as necessary for them to provide their service.
  • When we have your permission.
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
  • If we are involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

We are part of a large, global financial services organization. Due to the global nature of our business, for the purposes set out above we may transfer information to parties located in other countries. We may transfer information internationally to our group companies, service providers, business partners and governmental or public authorities.

HOW YOU CAN UNSUBSCRIBE

We will occasionally send you newsletters and information on products, services, special deals, and promotions. You may unsubscribe or opt out of these communications at any time by sending us a written request or by following the unsubscribe instructions contained in each of the email communications you receive. Even if you unsubscribe we may still disclose information as allowed or required by law.

We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not unsubscribe from these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

ACCESS and CORRECTION

If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete/deactivate it by emailing us at privacy_americas@iptiq.com.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

TRACKING and TECHNOLOGY

We want to build a smart, enjoyable, and simple experience for you. To do that, we track and collect information about you, your device, and what you do on our sites. Knowing things like your location, IP addresses, pages you visit, if you are signed in, pixel tracking, other cookies your browser is storing, and any information you share to connect with our sites helps us save you time on forms and offers you personalized service. This online analytics data about you will be linked to other personal information that we have about you.  We also create anonymous statistics with this information to help us improve our security, experience, content, products, and notifications. We may share this anonymous information to teach and connect with more people or with technology vendors who support our web and mobile platforms. We use cookies on our sites: A cookie is a piece of data stored on the user's device tied to information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. We use both session ID cookies[1] and persistent cookies[2]. We do not respond to browser do-not-track signals at this time.

OTHER WEBSITES

This Privacy Policy applies to the iptiQ US website. This Privacy Policy does not apply to any linked site, any site provided by a third party or any site provided by our global corporate family or its affiliates. You must consult the privacy policy of each site, particularly at any sites provided by third parties, in order to determine what information about you is collected and how that information is used.

CUSTOMER REVIEWS

We may provide you the opportunity to participate in reviews conducted via email. If you participate, we will request certain personally identifiable information from you. Participation in these reviews is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).

We use this information to evaluate our level of customer service. With your consent we may post your reviews on our website along with your name. If you want your review removed please contact us at privacy_americas@iptiq.com.

UPDATES to our PRIVACY POLICY

We may modify our Privacy Policy from time to time. Each of our policyholders receives a copy of our privacy policy at least once per year. In addition, in the event that we make a significant change to our privacy practices, we will send a revised copy of our privacy policy to each of our current policyholders.

HOW TO CONTACT US

If users have any questions regarding our Privacy Policy, please contact us at:
privacy_americas@iptiq.com

Residents of California:  We may collect customer information from persons other than the individual or individuals applying for coverage. Such customer information as well as other personal or privileged information subsequently collected may, in certain circumstances, be disclosed to third parties without your authorization as permitted by law. If you would like additional information about the collection and disclosure of customer information, please contact us at privacy_americas@ipti.com. You may also act upon your right to see and correct any customer information in your Lumico Life Insurance files by writing us at P.O. Box 83303, Lincoln, NE 68501-3303 or calling us at 855-436-4533 to request this access.

Si desea recibir una copia de esta notificación en español: Por favor póngase en contacto nosotros a privacy_americas@iptiq.com.

 

[1] A session ID cookie: once users close the browser, the cookie simply terminates.
[2] A persistent cookie is a small text file stored on the user's hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions. If users reject the cookie, they may still use our site. Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site.