Matrix Direct Privacy Policy
Protecting the privacy of information about our customers is important.
This notice tells you how we treat information about our current and
former customers.
We do not sell information about our customers. We maintain physical,
electronic and procedural safeguards to protect it. Access to information
about our customers is limited to people who need access to do their jobs.
We get most of the information we need from customer applications and
other forms. If a customer authorizes it, we may get information from others.
For example, when a person applies for life insurance we may ask for
permission to get information from insurance support organizations such as
the Medical Information Bureau and Consumer reporting agencies.
CUSTOMER INFORMATION
such as Name, Address, Telephone Number, and Demographic Data.
FINANCIAL INFORMATION
such as Credit History, Income, Assets, and Other Insurance Products.
HEALTH INFORMATION
such as Medical history and other factors affecting insurability.
We use the information for business purposes, such as
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processing applications and claims,
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servicing your business, and
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offering you other products and services.
We share the information with others who provide services to help us process or
administer our business.
For example, we may share information with
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a company that prints our customer statements,
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medical examiners who help us underwrite life insurance applications,
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service providers who help us process claims.
We require that our service providers limit their use of the information and keep it confidential.
We may share Customer Information with our affiliated companies to offer
customers other financial products and financial services that may be of
interest to them. In most states, we may share Customer Information with
companies not affiliated with us so that those companies, such as
insurance or financial service companies, may also offer you financial
products and services. However, you have the right to tell us that you
don't want us to share any information with these companies. This right
is known as the right to “opt out.”
We do not share Customer Information about our customers who live in
Montana, New Mexico, or Vermont with any non-affiliated companies for
marketing purposes, so residents of those states do not need to opt-out.
You may opt out at any time by sending us a written request. Even if
you opt out we may still disclose information as allowed or required by law.
We will not share information with anyone else unless
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we have the customer's permission, or
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we are allowed or required by law to disclose it.
Notification of Changes
This policy effective 03-31-09. If we decide to change our privacy policy,
we will post those changes on our Web site. Access to those changes will
be presented via a link on our homepage and other places we deem
appropriate so our users are always aware of what information we collect,
how we use it, and under what circumstances, if any, we disclose it. We
will use information in accordance with the privacy policy under which
the information was collected. If, however, we are going to use users'
personally identifiable information in a manner different from that stated
at the time of collection, we will notify users via email or postal mail.
Users will have a choice as to whether or not we use their information in
this different manner. However, if users have opted out of receiving
communication from Matrix Direct Insurance Services Inc., then they will
not be contacted, nor will their personal information be used in this new
manner. In addition, if we make any material changes in our privacy
practices that do not affect user information already stored in our
database, we will post a prominent notice on our Web site notifying users
of the change.
Contact Information
If users have any questions regarding our privacy policy, please contact us at:
9640 Granite Ridge Drive
Suite #200
San Diego, CA 92123
858.309.3000
858.309.3002 (fax)
customerservice2@matrixdirect.com
Information Collection on the Web
Matrix Direct collects information from our users at several different points on our Web site.
Cookies
A cookie is a piece of data stored on the user's computer tied to
information about the user. Usage of a cookie is in no way linked
to any personally identifiable information while on our site. We
use both session ID cookies and persistent cookies. For the
session ID cookie, once users close the browser, the cookie simply
terminates. A persistent cookie is a small text file stored on the
user's hard drive for an extended period of time. Persistent
cookies can be removed by following Internet browser help file
directions. If users reject the cookie, they may still use our
site. Persistent cookies enable us to track and target the interests of
our users to enhance the experience on our site.
Third Party Cookies and Action Tags
We may also use a service that collects data remotely by using web beacons or tags embedded in our site's content. The data we collect includes which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address, or any other contact information. We share this information with other AIG companies and with our third party vendor, Visual Sciences Inc. Visual Sciences Inc. gives us reports of this aggregated, anonymous data. We use this data to improve our site by responding to our users' interests and providing more relevant and useful information. To learn more about Visual Sciences Inc.'s privacy standards and use of web beacons, please visit:
http://www.websidestory.com/privacy/privacy-policy.html.
We use a third-party advertising company for the purposes of serving ads on sites on which we advertise and measuring traffic coming from such sites. Third-party advertising technology (1) uses information derived from your visits to this Web site and the sites on which we advertise to serve ads to you and (2) places or recognizes a unique third-party cookie on your browser. In addition, we use Web beacons, provided by such third-party advertising company, to help manage and optimize our online advertising. Web beacons enable us to recognize a browser’s cookie when that browser visits this Web site, and to learn which ads bring users to this Web site. To "opt-out," please visit:
http://www.doubleclick.com/privacy/index.aspx.
Links
This Web site contains links to other sites. Please be aware that we, Matrix
Direct insurance Services, are not responsible for the privacy practices of
such other sites. We encourage our users to be aware when they leave our site
and to read the privacy statements of each and every Web site that collects
personally identifiable information. This privacy statement applies solely to
information collected by this Web site.
Security
This Web site takes every precaution to protect our users' information.
When users submit sensitive information via the Web site, their
information is protected both online and off-line. When our quote
request form asks users to enter sensitive information
(such health information), that information is encrypted and is protected
with 128 bit SSL (Secure Sockets Layer) encryption software. While on a
secure page, such as our quote request form, the lock icon on the bottom
of Web browsers such as Netscape Navigator and Microsoft Internet Explorer
becomes locked, as opposed to un-locked, or open, when users are just
'surfing'. While we use SSL encryption to protect sensitive information
online, we also do everything in our power to protect user-information
off-line. All of our users' information, not just the sensitive information
mentioned above, is restricted in our offices. Only employees who need the
information to perform a specific job (for example, an agent or a customer
service representative) are granted access to personally identifiable
information. Furthermore, ALL employees are kept up-to-date on our security
and privacy practices. Every year, as well as any time new policies are
added, our employees are notified and/or reminded about the importance we
place on privacy, and what they can do to ensure our users' information is
protected. Finally, the servers that store personally identifiable
information are in a secure environment in a locked facility. If you have
any questions about the security at our Web site, send an email to
customerservice2@matrixdirect.com.
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