Privacy Policy:
Last Updated: October 12. 2024
Your privacy is a priority for us. This Privacy Policy was created to explain how we gather, use, and share information collected from you when you interact with our websites (referred to collectively as the “Site”), when you install and use our mobile applications (regardless of the operating system) (referred to as the “Mobile App”), or when you access any of the programs, content, materials, or functionality (collectively, the “Content”) provided through the Site or Mobile App. Any Site, Mobile App, or Content that includes this Privacy Policy is owned and operated by Alpine Life Insurance Inc. and its affiliated companies, including American Income Life Insurance Company, Family Heritage Life Insurance Company of America, Alpine Life Insurance and Accident Insurance Company, Alpine Life Insurance Company of New York, Liberty National Life Insurance Company, National Income Life Insurance Company, and United American Insurance Company.
By accessing and using this Site, Mobile App, or any associated Content, you agree to the terms outlined in this Privacy Policy.
Information Collected
Information You Provide: We gather information that you voluntarily share with us when inquiring about or purchasing products and services through our Site, Mobile App, or Content. If you choose not to provide certain requested information (whether required or optional), you may not be able to fully utilize the features and services available on our Site, Mobile App, or Content. Personal information includes data that can be used to identify or contact you, such as your name, mailing address, email address, phone number, Social Security number, or other similar identifiers that enable the physical or online identification of an individual. In some cases, we may also collect information about your contacts, such as their email addresses, if you choose to share articles or other content through certain areas of our Site, Mobile App, or Content.
Information from Third Parties: We may collect information about you from third-party sources, such as credit reporting agencies, social media platforms, or plug-ins you use to log in or connect with our Site, Mobile App, or Content. This information may be combined with the data you provide through our Site, Mobile App, or Content to enhance your user experience.
Social Media: We may interact with you through various social media platforms and applications. Any information we collect from these interactions, including data from your connections, will adhere to our best social media practices and the privacy policies of those platforms.
Information Automatically Collected: When you access our Site, Mobile App, or Content, we may use cookies and other tracking technologies to recognize you. These tools act as unique identifiers, allowing us to customize your experience and track your activity. This data may be incorporated into your user profile and used to deliver personalized content, offers, and advertisements that align with your interests.
Additionally, we may gather information from your browser and device, such as your browser type, referrer URL, date and time of your visit, IP address, device type, screen resolution, MAC address, and operating system version. This data helps us analyze usage patterns, ensure smooth functionality, monitor site performance, and better understand the demographics of our users. It may also be linked to your user profile to provide more relevant offers.
Our third-party partners, including advertisers and publishers, may also use cookies and tracking technologies, such as clear pixel GIFs (web beacons), to monitor your activity on our site and theirs. These technologies help us and our partners measure email responses, page views, and engagement across websites. You can opt out of certain third-party tracking at https://optout.aboutads.info/.
Tracking Options and Do Not Track Disclosures: Some features of our Site, Mobile App, or Content require cookies and similar tracking technologies, such as pixel tags, to function properly. These tools help deliver targeted advertising and link data across your devices. While you can adjust your browser or device settings to limit tracking or delete cookies, doing so may restrict your ability to access certain features or take full advantage of our offerings. Please note that our Site, Mobile App, or Content does not respond to most browser “Do Not Track” signals.
How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and requests (e.g., emails, newsletters, or mail).
- Complete and process any requests or purchases you make.
- Assist in underwriting and providing accurate insurance premium quotes.
- Provide insurers with the necessary information for insurance applications.
- Connect with third-party partners who offer relevant products and services.
- Keep you informed about our products and services, as well as those of our partners, that may interest you.
- Improve and maintain our customer service to enhance your experience.
- Customize services to match your interests.
- Develop new products and improve our Site, Mobile App, Content, and business.
- Communicate with you regarding products you have purchased and other related offers.
- Allow you to send messages to friends through our Site, Mobile App, or Content.
We may also aggregate user data for benchmarking, analysis, and business improvement purposes.
We collect and process your data under lawful conditions, including when you have given consent, when it’s necessary for legitimate interests like fraud prevention and marketing, or when required by law.
Information Sharing
We may share your information with:
- Our affiliated businesses.
- Third-party partners who can provide you with information about their products or services.
- Service providers who help us with functions like payment processing, IT services, and data analysis.
- National credit bureaus to verify your identity and obtain credit reports and scores.
- Insurance or financial service providers if you are seeking competitive quotes.
- Public areas of our Site, Mobile App, or Content if you choose to contribute (e.g., blogs, message boards).
- A third party in the event of a business sale, merger, or reorganization.
We may also disclose your information to comply with legal processes, respond to authorities, protect our business or others, or as necessary under the law, even if outside your country of residence.
Other Websites
Our Site, Mobile App, or Content may include links to third-party websites. We are not responsible for their privacy practices or content. Each third-party site follows its privacy policies, and we have no liability for their practices.
Third-Party Service Providers
We may collaborate with third-party vendors for services such as monitoring site activity, marketing, hosting, and database management. Some of these vendors may be outside the United States, and we only share information with them as necessary and within legal guidelines. Their use of your information is governed by their privacy policies.
Business Transfers
As our business evolves, we may sell or buy companies or assets. In such cases, your information may be part of the transferred assets in corporate events like mergers, reorganizations, or dissolutions.
Legal Disclosures
We may disclose your information when required by law, court order, or regulatory agency. We may also share your information when we believe it’s necessary to protect our rights, safety, or property, or that of others.
Our Commitment to Your Privacy
At Alpine Life Insurance Inc., we prioritize your privacy and are committed to handling your personal information in accordance with industry standards, contractual obligations, and legal requirements. Our Privacy Office ensures continuous improvement in privacy practices and the effectiveness of safeguards our employees follow. This is achieved through regular evaluations, updating privacy policies, training programs, and diligent reporting standards to ensure your data is handled securely and responsibly.
Security Measures
We adhere to industry best practices to protect your personal information from unauthorized access, misuse, loss, alteration, or destruction. These measures include administrative, physical, and technical safeguards such as encryption for sensitive data. However, no system can be completely secure. We cannot guarantee the security of our databases, and any communication via email, SMS, or over the Internet may be susceptible to interception. We advise against sending highly sensitive information, such as your Social Security number, via email.
Children’s Privacy
Our Site, Mobile App, and Content are not intended for individuals under the age of 13, and we do not knowingly collect personal information from children. If we become aware of any such information being collected, we will take immediate steps to delete it.
Your Choices and Access
- Marketing Emails: You can opt out of marketing emails by following the unsubscrib link provided in those emails. However, even after opting out, you may still receive non-marketing or administrative messages.
- Third-Party Sharing: If you wish to opt out of your information being shared with third parties for their marketing purposes, please contact our customer service with your name, address, and phone number. The email you use to opt out must match the one in our records. To stop receiving communications from third parties, you will need to contact them directly.
- Access and Deletion Requests: You can inquire about or request the deletion of your personal information by contacting customer service with your details. Ensure the email address used matches our records.
Data Retention
We retain your personal information for as long as necessary to provide our products and services or as required by law.
Operating Location
Our Site, Mobile App, Content, and business operations are based in the United States, and intended solely for U.S. residents. They are not designed for use by individuals outside the United States.
Your California Privacy Rights
If you are a California resident, you have additional rights under California law. Under Section 1798.83 of the California Civil Code, you can request information about the sharing of your personal data for direct marketing purposes or opt out of such sharing. To exercise these rights, contact us via email at Privacy@Alpinelifeinsurance.com, by phone at 844-593-8916, or by mailing your request to the provided address.
Alpine Life Insurance
ATTN: PRIVACY OFFICE
P.O. Box 8080
Ontario, CA 91761
Information for California Consumers (California Consumer Privacy Act)
Collection, Use, and Disclosure of Information
California law provides specific privacy rights to its residents regarding the collection of personal information. We collect and retain the following types of personal data to comply with insurance regulations and facilitate the issuance of insurance policies. Below is a summary of the categories and sources of personal information we collect:
Categories of Personal Information We Collect
We gather various types of personal information, including identifiers like your real name, alias, postal address, phone number, email address, and similar identifiers. This also includes device details such as your IP address, browsing history, search history, interactions with our website, apps, and advertisements, geolocation data, and details about your purchases of insurance products or services.
Sources of Collected Personal Information
We collect personal information directly from you, such as when you complete insurance applications or other forms, and through your interactions with our services, as well as from third-party companies.
Business Purposes for Collecting and Disclosing Personal Information
In the past 12 months, we have used or shared your personal information to respond to inquiries, fulfill requests, conduct marketing, perform services on our behalf, and offer complementary insurance and financial services.
Types of Third Parties with Whom We Share Personal Information
We have shared your personal information with affiliated insurance companies, independent agents, service providers, advertising networks, data analytics providers, social networks, and third parties with whom we have joint marketing agreements.
Sale of Personal Information
We do not sell the personal information of California consumers.
Personal Information of Minors
We do not sell or share the personal information of minors under the age of 16.
Your Rights as a California Resident
California residents have the right to request access to, correction of, and deletion of personal information we’ve collected, used, or disclosed. Upon receiving a verifiable request, you may access your personal data, request corrections, and deletions, or obtain a portable copy of your data. To make such a request, please call us at 844-593-8916 or use our online form via customer service. We verify requests by matching data points provided by the consumer with our records.
Opting Out of Cross-Context Behavioral Advertising
California residents have the right to opt out of the “sharing” of their personal data with third parties for cross-context behavioral advertising. Parts of our Site, Mobile App, or Content use cookies and other tracking technologies like pixel tags to deliver relevant ads and link data across your devices. You may limit tracking by adjusting your device or browser settings, but doing so may affect the functionality of our Site, Mobile App, or Content. Our website does not respond to “Do Not Track” signals from most browsers. You can learn more about opting out of third-party tracking through the Global Privacy Control at https://globalprivacycontrol.org.
Non-Discrimination
You have the right not to be discriminated against for exercising your privacy rights under California law.
Authorized Agent
If you are a California resident, you may designate an authorized agent to make privacy-related requests on your behalf by providing us with a signed authorization. You may revoke this authorization at any time by contacting us in writing.
Consumers with Disabilities
If you have a disability, you or your authorized agent can contact us via phone at 844-593-8916 or use the contact information provided on our website for assistance.
Contact for More Information
If you have questions about our privacy practices or need this policy in an alternative format, contact us via email at PrivacyTeam@AlpineLifeInsurance.com or call us at 844-593-8916. Alternatively, send a written request to:
Alpine Life Insurance
ATTN: PRIVACY OFFICE
P.O. Box 8080
Ontario, CA 91761
Changes to This Privacy Policy
We may update this Privacy Policy periodically. When changes are made, we will post the updated policy on this Site, Mobile App, or Content, and revise the “LAST UPDATED” date. Your continued use of our services after changes have been made signifies your acceptance of the updated policy.
Our Business
For purposes of this Privacy Policy, “you” refers to any user of this Site, Mobile App, or Content, or anyone utilizing the products or services we offer. “We” or “us” refers to Alpine Life Insurance Inc. and its related companies, including American Income Life Insurance Company, Family Heritage Life Insurance Company of America, and others under our corporate umbrella.
Dispute Resolution
If you wish to provide feedback regarding this Privacy Policy or the practices described herein, you may submit your concerns to the appropriate supervisory authority in your jurisdiction.
Reviewing or Correcting Your Personal Information
If you believe any of your personal information is inaccurate, please notify us in writing at the address provided below. We will review your request and make necessary changes if appropriate.
For review or changes, send a written request to:
Alpine Life Insurance
ATTN: PRIVACY OFFICE
P.O. Box 8080
Ontario, CA 91761
Contact Us
If you have any questions regarding this Privacy Policy, you can reach out to us at:
Alpine Life Insurance
ATTN: PRIVACY OFFICE
P.O. Box 8080
Ontario, CA 91761