TRUSTe Certification Effective Date: 9/1/2011
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:
such as Name, Date of Birth, Telephone Number, Email Address, Social Security Number and Demographic Data.
such as Credit History, Income, Assets, and Other Insurance Products.
such as Medical History and other factors affecting insurability.
We use the information for business purposes, such as
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:
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 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.
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.
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.
9640 Granite Ridge Drive
San Diego, CA 92123
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.
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.
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.
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.
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.
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.
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.