AIG Direct Privacy Policy

Protecting the privacy and security of personal information about our customers is important. This privacy policy ("Privacy Policy") tells you how AIG Direct Insurance Services, Inc. ("AIG Direct") treats information collected on www.aigdirect.com about our current and former customers.

TRUSTe Certified Privacy Policy

TRUSTe Certification Effective Date: 9/1/2011

Validate TRUSTe privacy certificationAIG Direct has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions.

If you have questions or complaints regarding our Privacy Policy or practices, please contact us at (858) 309-3000 or by email at Client.Services@aigdirect.com. If you are not satisfied with our response you can contact TRUSTe here. The TRUSTe program covers only information that is collected through this Web site and does not cover the collection and use of information obtained offline.

We do not sell or share information about our customers with anyone else other than in the ways that are described in this Privacy Policy. We maintain physical, electronic and procedural safeguards to protect the information. Our employee 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. We may also obtain information as we process customer transactions. The information we collect through our Web site and offline includes:

CUSTOMER INFORMATION

such as Name, Date of Birth, Telephone Number, Email Address, Social Security 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

  • contacting you regarding the products or services in which you have expressed an interest
  • processing applications and claims
  • servicing your business, and
  • offering you other products and services

We share the information with others who provide services to help us process or administer our business.

We may share information under the following circumstances:

  • with medical examiners who help us underwrite life insurance applications
  • with service providers such as third parties who help us process claims or print our customer statements, an email service provider to send out emails on our behalf, and an employment company to assist us with our hiring. We require that our service providers limit their use of the information and keep it confidential, and will share the personal information you provide only as necessary for the third party to provide that service
  • when we have the customer's prior permission
  • when we are allowed or required by law to disclose it, such as to comply with a subpoena, or similar legal process
  • when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request, or
  • if AIG Direct is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information

We may share information with other companies to offer customers other financial products and financial services that may be of interest to them.
However, you have the right to tell us that you do not want us to share any information with these companies. This right is known as the right to "opt out."

You may opt out at any time by sending us a written request to the address below. 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

  • we have the customer';s permission, or
  • we are allowed or required by law to disclose it.

How Can I Unsubscribe From AIG Direct Communications?

We will occasionally send you newsletters and information on products, services, special deals, and promotions. We will use your name and email address to send these emails to you.

You may unsubscribe or opt out of these communications at any time by sending us a written request or by following the unsubscribe instructions contained in each of the email communications you receive. Even if you unsubscribe we may still disclose information as allowed or required by law.

We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not unsubscribe from these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

How Does AIG Direct Keep My Social Security Number Safe?

It is the policy of AIG Direct to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. We also limit access to Social Security Numbers, by among other means, only granting access to Social Security Numbers to our employees who use that information to perform their job-related duties. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.

Do We Collect Information About Children?

We do not knowingly collect, maintain, or use personal information from our site about children under the age of 13. We request that persons under the age of 18 not use our site without supervision from a responsible adult. If a child whom we know to be under the age of 13 sends personal information to us online, we will delete their personal information immediately.

Is This Privacy Policy a Contract?

This Privacy Policy is not a contract and is not intended to be a contract between customers or visitors, and the site sponsor, its subsidiaries or affiliates with respect to any information practices concerning information obtained through use of this site.

Will I Be Notified of Privacy Policy Changes?

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 AIG Direct 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.

How Can I Contact You for 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)

Client.Services@aigdirect.com

How Do I Access Personal Information?

If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete/deactivate it by emailing our Customer Support at Client.Services@aigdirect.com or by contacting us by telephone or postal mail at the contact information listed above.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Are Cookies Used On This Site?

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.

How Do Third Party Cookies and Action Tags Work?

Our site uses 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, email address, or any other contact information. We share this information with affiliated companies and with our third party vendor, WebSideStory. WebSideStory 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 WebSideStory's privacy standards and use of web beacons, please visit: http://www.websidestory.com/privacy/privacy-policy.html.

We also use a third party, Fetchback, for retargeting advertisements to users of our site. We do not link to any personal information you provide to us through the site. To opt out of retargeting advertisements by Fetchback, please visit the Network Advertising Initiative's consumer opt out page located at www.networkadvertising.org/managing/opt out.asp.

The use of cookies by our partners, affiliates, tracking utility company, and service providers is not covered by our Privacy Privacy. We do not have access or control over these cookies. Our partners, affiliates, tracking utility company, service providers use session ID cookies to make it easier for you to navigate our site.

As is true of most Web sites, we use third tracking partners to gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users'; movements around the site and to gather demographic information about our user base as a whole.

How Is Information Used for Customer Reviews?

We may provide you the opportunity to participate in reviews conducted via email. If you participate, we will request certain personally identifiable information from you. Participation in these reviews is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).

We use this information to evaluate our level of customer service. With your consent we may post your reviews on our Web site along with your name. If you want your review removed please contact us at Client.Services@aigdirect.com.

We use a third party service provider to conduct these reviews; that company is prohibited from using our users'; personally identifiable information for any other purpose. We will not share the personally identifiable information you provide through a review with other third parties unless we give you prior notice and choice.

Is this Web Site Secure?

This Web site takes precaution to protect our users' information. Access to users'; information is restricted in our offices, and we follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. 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, 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. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security at our Web site, send an email to Client.Services@aigdirect.com.

Am I Protected When Linking to Other Sites?

This Web site may from time to time contain links to other Web sites, banner ads or advertisements (which in turn may link to other locations) for the convenience of users in locating information and services that may be of interest. If you use these linked Web sites or advertisements, you may leave this site and go to Web sites that we do not control. If you decide to visit these Web sites or advertisers, you do so at your own risk and it is your responsibility to read and comply with the privacy policies on those Web sites. Your right to privacy on a linked site is limited to whatever rights are provided to you by the owner of the linked site.

This Privacy Policy only applies to this site. This site only includes its home page and pages hereunder operated by AIG Direct. This Privacy Policy does not apply to any linked site, any site provided by a third party or any site provided by American General Life Companies LLC or its affiliates. Your must consult the privacy policy of each site, particularly at any sites provided by third parties, in order to determine what information about you is collected and how that information is used.