Life Insurance Products
You want to keep your personal information, well, personal. As the program administrator we understand this and we work hard to keep information about your use of this website safe. Protecting your privacy when you use this website is our way of ensuring your trust in the programs we offer.
Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy. Please note that this website is not designed for use by children nor does the website seek to collect information on children who may visit the site.
We may need to update our website privacy statement as legal requirements or business needs require. Any alterations to these principles will be posted here for your review.
When you visit this website, we collect and store non-identifying information about your visit. This information may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet service provider. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and cannot be used to identify you.
To help enhance the user experience online, the site also uses "cookies" so users do not have to re-enter information as they navigate the website. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive. Cookies are used to help personalize the online experience for the user - based on the action you request. If you submit your date of birth and group affiliation, you receive information about your available group programs. We do not share this information with outside organizations.
There are also several opportunities on our website for you to voluntarily provide us with personal information about your particular group and specific care needs. For example, we will need personal information from you when you enroll in accident insurance, submit a question online, or request product information. This information includes your name, mailing address, e-mail address, current coverage, and other similar information. We use your voluntarily provided personal information to provide you exceptional customer service and to create a more meaningful visit for you at this website. In addition to the information you voluntarily provide us with, we may also receive other non-public, personal information about you from other agents, brokers, administrators, investigators, insurance-support agencies, legal counsel, consumer reporting agencies and government reporting agencies. Any information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons.
By providing us with personal information so we may assist you on this website, you are "opting-in" to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated and you would like not be contacted again, please contact us using the procedures outlined below under "Questions About Your Information" to "opt-out" from future communications.
We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.
We collect, store and process your personally identifiable information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personally identifiable information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.
Disclosure to Third Parties
This website does not sell or rent any of your personally identifiable information to affiliates or unaffiliated third parties. We will not share any of your personally identifiable information with third parties except in the circumstances described below or with your permission.
In no circumstance, will we disclose customer bank account numbers, credit card numbers or access codes to third parties for telemarketing or direct marketing purposes.
Do Not Track
Some internet browsers offer the user a "Do Not Track" technology. The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user. At the current time, this website does not have the capability of recognizing a "Do Not Track" request.
Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor's cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.
The website does not automatically recognize your e-mail address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via e-mail. We collect the e-mail addresses of those who communicate with us via e-mail and online forms, including those who specifically check a box to subscribe on our online forms (for example, an opt-in for e-mail updates is on the online enrollment form). Any user who signs up for e-mails can unsubscribe or manage his/her subscription by linking to the personal URL e-mailed to all subscribers. Every e-mail sent also includes information about how to stop receiving e-mails from us. If you sign up for e-mails (including E-News), where applicable you can expect to receive e-mails from our customer service email address.
We do not share the e-mail addresses we collect with similar benefits organizations.
Links to Other Sites
For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every website that collects personally identifiable information.
Questions About Your Information
If you have any questions about your personal information records or if there are changes you would like to make to your data such as updating your mailing address, the names of your beneficiaries, or your e-mail address, etc., please contact the group customer service at (800) 424-5181. You may also use our secure Customer Service section of this site to submit any questions you may have. If you would prefer to communicate with us by regular mail, please use the following address:
Office of Administration
PO Box 26450
Phoenix, AZ 85068
Whichever way you wish to communicate about the websites programs, you will always have the opportunity to ask us questions about the information we have concerning your coverage. You take online privacy seriously, and so do we.
You can access all your personally identifiable information that we collect online and maintain by calling us at (800) 424-5181 or by providing a written request to the address set forth above. This will give you the opportunity to review your personally identifiable information or update us on a correction that needs to be made. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. We use this procedure to better safeguard your information.
To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question relating to your coverage and when you enroll in online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.
In order to serve up secure Web pages in your browser using SSL, we've acquired a security certificate from one of the Internet's leaders in secure Web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.
Please Read This Entire Agreement Carefully
You must agree to these Terms of Service ("Agreement") in order to enter into a transaction on this website. Please read this Agreement carefully.
The Program Administrator provides this website (collectively "Website" or "Site"), the materials and services to you as a user, conditioned upon and subject to your acceptance of this Agreement. By using and/or accessing this site or its services, you acknowledge that you have read, understand, and agree to be legally bound by this agreement.
The following defined terms are used in these Terms of Service:
"Program Administrator" means the entity that is offering and providing services through this website (collectively "Program Administrator" or "Administrator" or "we" or "us").
"Carrier" means the insurance products described on this site are underwritten by reputable, licensed Underwriting Carrier(s).
"Service Provider" means service products are offered by a variety of reputable, approved vendors and their affiliates.
"Payee" means the merchant or other entity to which you authorize a bill payment to be directed.
"Payee Account" means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.
"Payment Instruction" means your instruction and authorization to the program administrator to make a bill payment to a payee.
"Payment Account" means the bank account that you authorize the program administrator to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.
"Payment Card" means the credit card or debit card that you instruct your program administrator to charge to pay your bill payment.
"Business Day" means Monday through Friday, excluding Federal Reserve holidays.
Bill Payment Service
When you initiate a Payment instruction, you authorize your program administrator to charge your payment card or debit your payment account and remit funds to the payee. If we are unable to obtain funds for a bill payment for any reason associated with your payment card or payment account (for example, there is not a sufficient balance available on your payment card or in your payment account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your payment instruction, the program administrator may attempt to contact you, using the telephone number you have provided.
If the program administrator makes a bill payment to your payee account but is unable to obtain funds for that payment from your payment card or payment account, you agree that your bill payment to your payee account will be reversed.
You agree that from time to time the payment services contemplated under this agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond the program administrator's control or which are not reasonably foreseeable to the program administrator.
Our Liability for Failure to Complete Transactions
The program administrator will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, we shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:
LIMITATION OF LIABILITY AND YOUR EXCLUSIVE REMEDY
In the absence of any of the exclusions set forth above, it shall be the program administrator's responsibility to correct any transactions not completed in accordance with your payment instructions. In the event that the program administrator is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall the program administrator's liability to you ever exceed the amount of funds that we receive from your payment account or payment card for a bill payment. THE FOREGOING SHALL CONSTITUTE THE PROGRAM ADMINISTRATORS ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. THE USE OF THIS PAYMENT SERVICE IS AT YOUR SOLE RISK. IN NO EVENT SHALL THE PROGRAM ADMINISTRATOR BE LIABLE FOR ANY OTHER LOSS, INJURY, OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF YOUR USE OF THE BILL PAYMENT SERVICE. EXCEPT AS OTHERWISE EXPLICITLY SET FORTH HEREIN, WE SPECIFICALLY DISCLAIM AND YOU UNDERSTAND THAT WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESSED OR IMPLIED AND THE SAME ARE HEREBY EXCLUDED FROM THESE TERMS AND CONDITIONS AND ALL TRANSACTIONS CONTEMPLATED HEREBY. SOME STATES PROHIBIT THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THUS THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU.
User Authentication and Security
The Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) Data Security Standards so that no one can access your payment account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account Number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using the Bill Payment Service. If you permit other persons to use the Bill Payment Service or your bill payment authentication responses or other means to initiate a payment instruction on your behalf, you are solely responsible for any transactions they authorize.
If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use the Bill Payment Service without your consent, you must notify us at once by calling the program administrator at (800) 424-5181 during normal customer service hours.
Errors and Questions
In case of errors or questions about your transactions, you need to contact us as soon as possible.
1. Telephone us at (800) 424-5181 during normal customer service hours.
2. Write us at: Program Administrator Office of Administration
P.O. Box 26450
Phoenix, AZ 85068
Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your payment instruction. By submitting your payment instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the program administrator to charge your designated payment card or debit your payment account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.
These Terms of Services shall be governed by the laws of the state of California without regard to that state's conflicts of laws provisions and by applicable Federal laws and regulations.
No delay or omission by us in exercising any rights or remedies under these Terms of Services will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.
Disclosures & Consent to Electronic Transactions / Electronic Signature
You represent and warrant to the program administrator that: (a) you are over the age of eighteen (18) and have the power and authority to enter into and perform your obligations under this agreement; (b) all information provided by you to the program administrator is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.
Additional Terms and Conditions
The program administrator provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to the particular program administrator, its affiliated companies and/or third party service providers. As a condition of your use of this Website and the services, you agree that you will not use the contents of this Website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.
In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of the program administrator in any way; use the website or services to modify or manipulate the website or services or any of the program administrators hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of the carrier/service provider or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.
You agree that the materials and services on this website are provided "as is" and for informational purposes only. You understand that neither the carrier, the service provider nor the program administrator makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. The carrier, service provider and the program administrator periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that the carrier, service provider and the program administrator take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that the carrier, service provider and the program administrator disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other's rights.
You understand and agree that neither the carrier, nor the service provider, nor the program administrator is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and the carrier, the service provider and the program administrator do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.
You understand and agree that the information on the carrier's insurance products or the service provider products as described in this website is not complete and does not change or affect the insurance policies or service agreements as actually issued. Although you have been provided with a description of benefits, you understand for insurance products, that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.
For insurance products, you understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the program administrator policy issued to your association/policyholder. You acknowledge and agree that if program administrator participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.
You understand that this website and the payment services contemplated hereunder may be performed by third-party vendors.
If any provision of this agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.
We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.