PRIVACY POLICY FOR
CALIFORNIA RESIDENTS
This PRIVACY
POLICY FOR CALIFORNIA RESIDENTS supplements the information contained in the
Privacy Policy of Ozark National Life Insurance Company (“Ozark”) and its affiliates
(collectively, “we,” “us,” or “our”) and applies solely to customers or
potential customers who reside in the State of California (“customers” or
“you”). We adopted this policy to comply with the California Consumer Privacy
Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same
meaning when used in this policy.
We Value Your Privacy
Ozark values its
relationship with you. Protecting the privacy of information we have about you
is of great importance to us. We want you to understand how we protect the
confidentiality and security of that information, as well as how and why we use
and disclose it.
This is
being provided to you to comply with the California Consumer Privacy Act of
2018 and other California and federal privacy laws.
Information We Collect
For the purpose of
providing insurance products, we collect information that identifies, relates
to, is capable of being associated with, or could reasonably be linked,
directly or indirectly, with you (“personal information”). In particular, we
collect and have collected the following information within the past twelve
months:
·
Category:
Identifiers. This includes names,
aliases, postal addresses, unique personal identifiers, online identifiers,
Internet Protocol addresses, email addresses, account names and numbers
(including bank account numbers, credit card numbers, and debit card numbers), social
security numbers, driver’s license numbers, passport numbers, and California
identity card numbers. This information will be used to potentially issue an
insurance policy to you and to service such policy.
·
Category:
Individual information. This
includes physical and personal characteristics and descriptions, telephone
numbers, medical information, health history and status, financial information,
age, citizenship, marital status, medical condition, physical or mental disability,
character, general reputation, mode of living, sex (including gender, pregnancy
or childbirth and related medical conditions), creditworthiness, and credit
history. This information will be used to potentially issue an insurance policy
to you and to service such policy.
·
Category: Information provided by you. This
includes information on your application and other forms. This information will
be used to potentially issue an insurance policy to you and to service such
policy.
·
Category:
Information about your transactions with
us. This includes policy coverage, premium, your balance(s), and payment
history. This information will be used to service any policy that may be issued
to you.
Note:
Personal information does not include:
• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA's scope, like:
• health or medical information covered by the Health
Insurance Portability and Accountability Act of 1996 (HIPAA) and the California
Confidentiality of Medical Information Act (CMIA) or clinical trial data;
• personal information covered by certain sector-specific
privacy laws, including the Fair Credit Reporting Act (FRCA), the
Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act
(FIPA), and the Driver's Privacy Protection Act of 1994.
We do not
sell your personal information. Our California Privacy Notice and Policy is
located at www.ozarknational.com/ccpa.aspx
Your Rights
You have a right to
request that we disclose the personal information we collect, use, and disclose
(“request to know”). To submit a request to know you may call (816) 842-6300,
write to the address below, or go online to www.ozarknational.com. We will
verify your request to know by validating items such as your policy number,
name, tax ID, date of birth, last four digits of your social security number, and
agent’s name against our policy records.
You have a
right to request deletion of personal information collected or maintained by us
(“request to delete”). To submit a request to delete you may call (816)
842-6300, write to the address below, or go online to www.ozarknational.com/ccpa.aspx.
We will verify your request to know by validating items such as your policy
number, name, tax ID, date of birth, last four digits of your social security
number, and agent’s name against our policy records. Note that we will not
delete information needed to perform on a contract, complete a transaction, or
otherwise internally used in a lawful manner compatible with the context in
which it was provided. We will not delete information necessary to comply with
a legal obligation.
You have a
right not to receive discriminatory treatment by us for the exercise of privacy
rights conferred by the California Consumer Privacy Act.
You have a
right to designate an authorized agent to make a request on your behalf under
the California Consumer Privacy Act. To do so, please submit a written request
to:
Customer
Service Department
Ozark National Life Insurance Company
500 E. 9th Street
Kansas City, Missouri 64106
Confidentiality and Security
We restrict access
to personal information about you to those employees and agents who need to
know that information to provide products or services to you. We maintain
physical, electronic, and procedural safeguards that comply with state and
federal regulations to guard your personal information.
Notification
Ozark will notify
you of our California Privacy Policy as required by law. Ozark’s California
Privacy Policy is subject to change at any time. You will be notified of any
changes at least annually.
Collection and Sharing of Personal
Information
Ozark does not
disclose nonpublic personal information about you to anyone except as is
necessary to provide our products or services to you or as required or
permitted by law or as authorized by you.
We collect identifiers from you, consumer
reporting agencies, Medical Information Bureau, insurance support organizations,
your Ozark agent, independent claims examiners, insurance companies, you or
your family members’ attending physician or treating medical professional and
share such with consumer reporting agencies, Medical Information Bureau, your Ozark
agent, independent claims examiners, insurance companies, your attending
physician or treating medical professional, persons conducting bona fide
actuarial or scientific research studies, audits, or evaluations, and disclose
such information pursuant to a subpoena or law enforcement request or in
connection with litigation.
We collect individual information from you, consumer
reporting agencies, Medical Information Bureau, insurance support
organizations, your Ozark agent, independent claims examiners, insurance
companies, you or your family members’ attending physician or treating medical
professional and share such with consumer reporting agencies, Medical
Information Bureau, your Ozark agent, independent claims examiners, insurance
companies, your attending physician or treating medical professional, persons
conducting bona fide actuarial or scientific research studies, audits, or
evaluations, and disclose such information pursuant to a subpoena or law
enforcement request or in connection with litigation.
We collect information provided by you from you
and share such with consumer reporting agencies, Medical Information Bureau,
insurance support organizations, your Ozark agent, independent claims
examiners, insurance companies, you or your family members’ attending physician
or treating medical professional and share such with consumer reporting
agencies, Medical Information Bureau, your Ozark agent, independent claims
examiners, insurance companies, your attending physician or treating medical
professional, persons conducting bona fide actuarial or scientific research
studies, audits, or evaluations, and disclose such information pursuant to a
subpoena or law enforcement request or in connection with litigation.
We collect information about your transactions with us
from you and share such with consumer reporting agencies, Medical Information
Bureau, insurance support organizations, your Ozark agent, independent claims
examiners, insurance companies, you or your family members’ attending physician
or treating medical professional and share such with consumer reporting
agencies, Medical Information Bureau, your Ozark agent, independent claims
examiners, insurance companies, your attending physician or treating medical
professional, persons conducting bona fide actuarial or scientific research
studies, audits, or evaluations, and disclose such information pursuant to a
subpoena or law enforcement request or in connection with litigation.
Amendment Correction
There are procedures
by which you may request amendment or correction of any information in our
files that you believe to be inaccurate or irrelevant. A description of these
procedures will also be sent to you upon request.
Obtaining Additional Information
We take our
responsibilities, and your rights, very seriously. If you have any further
questions about the terms just discussed, or our privacy policies and
practices, please write to us at:
Underwriting
Department
Ozark National Life Insurance Company
500 E. 9th Street
Kansas City, Missouri 64106
Additional Information Specific to
Fair Credit Reporting ACT and MIB, INC. Notices
Some insurance
companies, as a part of their procedure for processing your application for
insurance, prepare an investigative consumer report, whereby information is
obtained through personal interviews with your neighbors, friends, or others
with whom you are acquainted. This inquiry includes information as to your
character, general reputation, personal characteristics, and mode of living. Ozark
does not do this. If this practice should change, you will be notified and this
notice will be changed. A copy of the revised notice will be sent to you. If we
should ever so change the policy, upon written request to us within a
reasonable period of time, you are entitled to receive additional detailed
information about the nature and scope of this investigation.
Your written
inquiry may be addressed to:
Underwriting
Department
Ozark National Life Insurance Company
500 E. 9th Street
Kansas City, Missouri 64106
Information
regarding your insurability will be treated as confidential. However, we may
make a brief report thereon to the Medical Information Bureau, a nonprofit
membership organization of life insurance companies that operates an
information exchange in behalf of its members. If you apply to another Bureau
member company for life and health insurance coverage or a claim for benefits
is submitted to such a company, the Bureau, upon request, will supply such
company with the information it may have in its file.
Upon receipt
of a request from you, the Bureau will arrange disclosure of any information it
may have in your file. (Medical Information will be disclosed only to your
attending physician.) If you question the accuracy of the information in the
Bureau’s file, you may contact the Bureau and seek a correction in accordance
with the procedures set forth in the Federal Fair Credit Reporting Act. The
address of the Bureau’s information office is:
MIB, INC.
Post Office Box 105
Essex Station
Boston, Massachusetts 02112
Telephone Number (617) 426-3660
Legal Statement
Provisions of this California Privacy Policy are subject to, and comply
with, California law.
OZARK NATIONAL LIFE INSURANCE COMPANY
500 E. 9TH Street | Kansas City, MO 64106 | Telephone: (816) 842-6300