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Privacy Policy

We are committed to data security and to protecting your personally identifiable information.  This statement describes our Privacy Policy. 

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits us from sharing nonpublic information about you with a non-affiliated third party unless we provide you with a notice of our privacy policy and practices.  In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of our agency.

OUR PRIVACY POLICIES AND PRACTICES

Information We Collect

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us or others; and
  • Information we receive from a consumer reporting agency.

Information We Disclose

We may disclose the following kinds of nonpublic personal information about you:

  • Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
  • Information about your transactions with us or others, such as your policy coverage, premiums, and payment history; and
  • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

When you are no longer our customer, we will no longer disclose nonpublic personal information about you.

Parties to Whom We Disclose Information

We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial service providers, such as insurance companies and insurance agents;

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Your Right to Opt-Out of Third Party Disclosures

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may contact us during normal business hours.  Our contact information is on our website (www.memberhaven.com) in the Contact Us section.

Our Practices Regarding Information Confidentiality and Security

We restrict access to nonpublic personal information about you to those individuals (including employees and trusted third party vendors who assist us in operating our systems) who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Cookies and Their Use on Our Website

A cookie is a message given to a web browser by a web server. The message is then sent back to the server each time the browser requests a page from that server. Cookie files define you as a user, not as an identifiable person. We use cookies to better customize our website and our services to your interests and needs.

Third Party Websites

Our web site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.

Our Policy Regarding Dispute Resolution

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Agreement and Modification

By visiting our website, you agree to accept all terms and conditions outlined in this Privacy Policy.  We reserve the right to amend or replace this Policy at any time without notice.