We value your trust and recognize that you are concerned about the collection, usage, and sharing of information about you. Our dedication to safeguarding your privacy is the cornerstone of our commitment to preserving your financial security and that of the people who matter most in your life. Your personal information is safeguarded by our rules and processes. You can better understand how we gather, utilize, disclose, and safeguard any personal information we may have about you by reading this Privacy Policy (“Policy”).
Generally speaking, we gather and use your personal information in order to provide you with financial services and insurance products (such as your name, address, phone number, and payment details); to help you in filing claims or receiving benefits (like your health information); or to send you updates about our products or exclusive deals. In order to comply with legal and regulatory requirements, we must additionally gather and handle specific personal information (such as confirming your identity). We do not sell your personal information, and we forbid any sale of the personal information we share with our Business Partners, even though we do share your information with credit unions, our affiliates, service providers, and other companies we collaborate with to deliver our products and services. Regarding the information we gather about you, you might have rights, which are covered in greater detail below. We ask that you carefully read our Policy and get in touch with us if you have any questions.
When is the application of this Policy?
AdvantEdge Digital, LLC, Union Security Insurance Company, American Memorial Life Insurance Company, Life Insurance market, MEMBERS Life Insurance Company, CUNA Brokerage Services, Inc., CUMIS Insurance Society, Inc., and USA Finance Saving Insurance Agency, LLC (“USA Finance Saving “) are all covered by this policy. This Policy is applicable whenever we handle personal data of our clients, prospective clients, candidates for USA Finance Saving employment, and users of our website(s). We are in charge of deciding how and why to process any personal information we gather about you, and as such, we are accountable for ensuring that it is utilized in compliance with all applicable privacy and data protection laws.
If you work for USA Finance Saving as an employee or contractor, please review our internal rules and procedures for details on how we handle personal data.
With whom do we disclose your personal data, and for what purpose?
For the purposes outlined in this Policy and in compliance with our financial privacy notifications, we may share your personal information with our service providers, connected businesses, or when required by law. In order to provide you with the goods and services you have requested, such as helping you complete a transaction or underwriting your risk, we may also share information, including your personal information, with outside parties.
Among the third parties with whom we might disclose your personal data are:
- credit unions or other important allies;
- unrelated service suppliers;
- regulating bodies;
- our attorneys and auditors;
- appropriate industry self-regulatory organizations;
- and others, as allowed by law.
Your personal information is never sold by us, and we have agreements in place with our service providers that forbid the selling of your personal data and give written guarantees on the security and privacy measures they take to safeguard it. In order to present you with goods and services that you might find interesting, we might share your personal information with your credit union and other unaffiliated financial firms.
Your information may be shared by us with our corporate affiliates, who are businesses that share ownership or control, where allowed by law and as further detailed in our financial privacy notices. We provide our affiliates access to your information so they can support us and, if needed, offer you with the goods, services, or information you’ve asked for or shown interest in. In the event that USA Finance Saving’s corporate structure changes—for example, through a merger, consolidation, sale, liquidation, or transfer of significant assets—USA Finance Saving retains the right, at its sole discretion, to transfer, sell, or assign any personal data we may have about you to one or more third parties, whether connected or not.
Only where authorized by current legislation and in order to process your information can it be transmitted to another nation.
How long and where do we retain your personal information?
Your personally identifiable information is kept on computers run by us or our service partners. Being a highly regulated business, we are required by law to maintain a variety of records containing personal information, either in compliance with applicable state and federal requirements or as required by contract. Generally speaking, we try to retain personal data for as long as is required and solely for the purpose(s) for which it was gathered.
- Your personal information is kept on file for the objectives outlined in this Policy. The following standards are applied by our organization when determining retention periods:
- time necessary to complete tasks for corporate objectives and contract requirements, such as account servicing, better product development, and product enhancement
- The amount of time needed to adhere to relevant laws and regulations time required to safeguard our legal rights and interests, including stopping fraud and attending to any grievances or claims that you or your representative may make
How safe is the information about me?
We take precautions to protect your personal information against unintentional or unauthorized use, access, or loss. These precautions include administrative, technical, and physical safeguards. We restrict who has access to your personal information to only those who require it for business purposes. In general, only authorized personnel are permitted to process personal data on behalf of our Business Partner, and they are obligated to maintain the confidentiality of that data. We have procedures in place that govern how our contractors and staff handle personal information about you. We take precautions to prevent unauthorized access to our computer networks and premises by restricting access to them. We will notify you in accordance with any applicable legal requirements and have protocols in place to handle any suspected data security incident.
Even though it is not necessary for us to do so by relevant legislation, we may still decide to grant you these rights.
The right to be informed
The personal information we have collected about you, the categories of sources from which it was gathered, the reasons for the collection, the types of third parties we have shared it with, and the types of personal information we have shared with third parties for business purposes are all subject to requests that you make.
The personal information
we have collected about you, the categories of sources from which it was gathered, the reasons for the collection, the types of third parties we have shared it with, and the types of personal information we have shared with third parties for business purposes are all subject to requests that you make. In certain cases, you might be entitled to obtain personal data about you in a format that is easily transportable and accessible. We need to be able to confirm your identification before you can supply any of this information.
Right to withdraw from a sale
We do not presently offer this option since we do not sell personal information to outside parties. As allowed by law, we may provide our business partners access to personal information about you. For further information, please refer to the Who do we share your personal information with, and why? section of this policy.
Ability to choose not to share
You have the right to ask that we not use your personal information for cross-contextual advertising, which is a type of data exchange that allows for more targeted advertising over time and across websites. To indicate your want to refuse the transfer of personal data, you can also configure your browser or device to use an opt-out preference signal, like the GPC. Based on the data made accessible by the preference signal protocol, we respect these requests with regard to any personal information associated with preference signal. We might not be able to link a preference signal request from a browser or a device to every piece of personal data we possess about you. We advise using one of the procedures listed in the section of the policy below titled “Submitting Privacy Requests” to make a request if you would like to exercise your rights under applicable state privacy laws.
Right to restrict how sensitive personal data is used
You have the right to ask that the use of your private, sensitive data be restricted. According to California law, this information is considered sensitive personal information. The Additional information for California residents section above provides a more thorough explanation of the kinds of data that fall under this category. If you submit this request, we promise not to use your sensitive personal information for any reason other than what is required to fulfill your request for goods or services, to help safeguard and preserve your personal information and our systems, to confirm or uphold the security or quality of our services and systems, or as otherwise allowed by law or regulations.
Right to rectify
You are entitled to have some of your personal information corrected. Correction requests come in a variety of forms, and our service departments are prepared to help you with your request.
The ability to remove something
You might have the right, under certain restrictions, to ask that we remove any personal data we may have about you. We need to be able to confirm your identity before removing any information. If we need the information to exercise or defend legal claims, comply with a legal requirement, or if the law requires us to keep the information, we won’t erase any personal information about you. For instance, we are unable to remove information about you from our records if we are still able to offer you annuity or life insurance, or if it is needed for regulatory compliance.
You are not subject to discrimination from us if you decide to use these rights. For details on how to use these rights, please refer to the CCPA section below under Submit Personal details Requests.
Marketing on the Go
You will be able to choose to get text message notifications if you sign up for a USA Finance Saving program. We will get your mobile number if you want to opt in so we can text you notifications. We won’t use the mobile number you register with the program for any other reason without your permission, and we will only send you alerts in accordance with the terms and conditions of the mobile program you join. Your ability to take advantage of USA Finance Saving offerings will not be impacted if you choose to opt out of receiving these notifications at any point.
Kids and Young Adults
We do not knowingly obtain direct personal information from people younger than 17 years old. People under the age of 17 are not eligible to use our services. Personal information should not be submitted or posted by anybody younger than 17 using our services. If it’s required to deliver our goods and services, we may obtain personal information of minors under the age of 17 from their parents or guardians.
Modifications to this Policy
We maintain the right, in our sole discretion, to modify this privacy statement at any time. If our policies change, we will upload the updated version here so you can know what data we collect, how we could use it, and when we might reveal it. You acknowledge and agree to the changed terms of this privacy policy by using our services after they have been given.