Privacy Policy

Scope of this Notice

This Privacy Policy discloses the privacy practices for data collected via the Site Membership.com and related services (together referred to as the “Site”). Membership.com, LLC, the owner and operator of the Site (referred to as “us” or “we”).

You acknowledge that this Privacy Policy is part of our Site Terms and Conditions of Use, and by accessing or using our Site, you agree to be bound by all of its terms and conditions. If you do not agree to these terms, please do not access or use this Site.

We reserve the right to change this Privacy Policy at any time. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to posting the revised Policy on the Site. You acknowledge and agree that it is your responsibility to review this Policy periodically and to be aware of any modifications. Your continued use of the Site after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by the modified Policy.

The Information We Collect

Membership.com collects and uses personal information for legitimate business purposes and our privacy promise is to continue to protect your right to privacy. “Personal information” is information that identifies you as an individual or relates to an identifiable individual. The personal information we collect may relate to the performance of this site and/or the product or service being offered to you. Generally, we collect the following types of personal information about you and your dependents or beneficiaries if required:

Customer Information: Information about your status as a customer with us, or our affiliate companies.

Individual Contact and Demographic Information: (including Family Members if coverage is requested): Name, address, email address, telephone number, gender, marital status, date and place of birth, employer, job title and employment status/history, and/or your relationship to the policyholder, insured, beneficiary or claimant.

Identification details: If required for the services you request, we collect identification numbers issued by government bodies or agencies (e.g. depending on the state where you reside, this may include your social security number, passport number, ID number, tax identification number, or driver’s license number).

Financial information: Payment card number, bank account number and account and transaction details. Your income and other financial information may be required for some products.

Insurable Risk Information: The information necessary to quote and secure insurance products, provide risk consulting services, and/or offer guidance on other products and services to you – which may include, only to the extent necessary, the following:

• Health Information: Current or former physical or mental medical conditions, health status, injury or disability information, medical procedures performed, relevant personal habits (e.g. smoking or consumption of alcohol), prescription information, medical history.
• Policy Information: Information about the insurance quotes individuals receive and the policies they obtain or currently hold.
• Current and/or Previous Claims: Information about current and/or previous claims, which may include health data.

Marketing Data: Whether or not you have consented to receive marketing from us and/or from third parties.

Site Related Information: Information related to the operation of a website, which may include log-in credentials, IP address and other site related information.

How Do We Use the Personal Information We Collect?

We will use the personal information you provide to:

• Verfiy your identy
• Register and service your online account
• Contact you when necessary and respond to your requests
• Process an insurance quote, transaction, enrollment or service at your request
• Process any non-insurance quote, transaction or service at your request
• Allow you to manage the services you request
• Maintain network security and protect against cyber-attacks
• Market our services, or those of our affiliates to you
• Evaluate and improve our products and services and well as the effectiveness of our marketing strategies
• Administer and update the performance of this site
• Comply with any and all applicable laws
• As otherwise described to you or pursuant to your consent

Membership.com will not share the nonpublic personal information of current or former clients with non-affiliated third parties except in these cases:

• As necessary to perform the services you request from us we may disclose your personal information to insurance carriers, TPAs, underwriters or third-party agents or brokers in connection to providing quotes, binding coverages or other services.
• When applicable, we may share personal information required for the administration of a group insurance program with with your employers, association or group benefit program sponsor to assist in the administration of a group insurance program.
• As permitted by law. For example, providing information to industry regulators, to law enforcement agencies, for fraud prevention, to credit bureaus and to third parties that assist us in processing the transactions you authorize and in mailing materials to you.
• With parties that assist Membership.com in promoting our own products and services, such as printers, mail houses, and list management companies. It is Membership.com’s policy to include confidentiality and data protection provisions in the contracts we make with these companies. We provide them with the limited information they need to perform their services, such as names and addresses collected through our transactions.
• With alliance companies engaged in value added services. These are companies whose products/services are offered by Membership.com, such as companies engaged in non-insursed benefit and discount programs. Membership.com shares data with these alliance companies to ensure that Membership.com and its clients are receiving the benefits of the relationship. We provide them only identifying information, such as your name, address and phone number and work together to avoid unnecessary mailings. Membership.com’s alliance companies are also contractually required to protect the confidentiality and security of the information we provide.
• To address legal concerns: We may preserve, and have the right to disclose any information about you or your use of this Site, without your prior permission, if we have a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of our company or its affiliates, other users of this Site, or the public; (b) enforce the terms and conditions that apply to use of this Site; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; or (e) respond to an audit or investigate a complaint or security threat.

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Use of Cookies

We use a feature of your Internet browser called a “cookie” (a small file placed on the user’s hard drive) to facilitate site navigation, for Internet sessions, and to maintain security. For example, we use cookies to remember your personal settings, pre-fill forms for you, and to monitor your use of our website to improve our services. If you choose not to enable cookies on your browser, you will not be able to use some of the services offered on our website.

Membership.com uses remarketing tracking cookies and conversion pixels from vendors such as Twitter and Facebook to present special offers to you for our products or services. This means you may see an ad for one of our products or services as a result of visiting our website. In addition, Membership.com uses Twitter and Facebook custom audiences which allows us to present special offers. However, your personally identifiable information is not used by any remarketing service other than to present you special offers from us.

Our Commitment to Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Membership.com maintains policies and practices that protect the security and confidentiality of our client information. The policies provide for:

• Access to client records being restricted to employees who we determine need the information in order to perform their job duties
• Maintaining and protecting information through security-enhancing software such as virus and intrusion detection software
• Physical security at our buildings
• Password protection on database access for both employees and members
• Employee training
• Backup and recovery procedures

Our Commitment to Children’s Privacy

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.

How You Can Access Or Change Your Information

You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

How To Contact Us

Should you have other questions or concerns about these privacy policies, please contact us at:

Membership.com
PO Box 142464
Irving, Texas 75014-2464