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Better Benefits Group

The Guardian

HCC Medical Insurance Services

Liberty Mutual Privacy Policy

Long Term Care Associates

Metropolitan Life Insurance Company Privacy Policy

My IDCare

New York Life Insurance Company Privacy Policy

Pet Plans Privacy Policy

Travel Insured International Privacy Policy

Trip Assure Privacy Policy

For Residents of California, New Mexico and Vermont

These respective state laws place additional limits on disclosing information about residents so long as they remain residents of those states. M&A will not share any of your non-public personal information except as otherwise permitted by law in these states. We will not share your nonpublic personal information with nonaffiliates other than permitted by law (such as to service your accounts) unless you first authorize us to do so. You may opt-in and allow full sharing of your nonpublic personal information as described in our privacy policy by contacting us.

For Nevada Residents

We are providing you this notice under state law. You may be placed on our internal Do Not Call List for marketing purposes by contacting us utilizing the above contact information. Nevada law requires that we also provide Nevada residents with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E Washington St, Suite 3900, Las Vegas, NV 89101; phone: 1-702-486-3132; e-mail:BCPINFO@ag.state.nv.us

For Minnesota Residents
The disclosure of personal information among M&A and affiliates is authorized under the Minnesota Insurance Fair Information Report Act, § 72A.502, subdivision 8, which allows for disclosure without written authorization where i) the personal information is used for a limited purpose and ii) the affiliate agrees not to disclose the information for any other purpose or to unaffiliated persons.

For Montana Residents
The disclosure of personal information among M&A and affiliates is authorized under Montana’s Insurance Information and Privacy Protection Act, MCA 33-19-306 (12)(a) and (b), which allows for disclosure without written authorization where i) the personal information is used in connection with an audit or to enable M&A to perform an insurance function and ii) an appropriate agreement is executed with the affiliate to limit the affiliate’s use and disclosure of the personal information.

For New Mexico Residents
We may disclose personal information among M&A and affiliates without written authorization pursuant to New Mexico’s Privacy Rule, 13.1.2.1 through 13.1.3.23 NMAC. However, any such disclosure will be only to the extent necessary to effect, administer or enforce a transaction that you have requested or authorized.

For North Dakota Residents
NDCC 26.1-02-27 permits M&A to disclose personal information pursuant to NDCC 45-14-01-11, which sets forth North Dakota’s rules promulgated in accordance with NAIC’s Privacy of Consumer Financial and Health Information and allows for disclosure where appropriate opt-out notice and opportunity has been given.

For Vermont Residents
M&A is authorized to disclose personal information under Vermont’s Privacy of Consumer Financial and Health Information Regulation Article IV, Sections 14(A), (B) and (C), which provide an exception to the general “opt-in” rule (which requires consumers to affirmatively agree to disclosure) where M&A executes an appropriate agreement with the third party that limits the third party’s use and disclosure of the personal information. M&A is further authorized to disclose personal information under Sections 15(A) and (B) which provide an exception to the “opt-in” requirement where the disclosure of personal information is necessary to affect, administer or enforce a transaction that the customer authorizes. Our release of personal information is also authorized where permitted by law under Section 16(A).

• If you submit a life insurance application to M&A, we then submit your request to the appropriate insurance company for underwriting. Along the way, the insurance company provides status updates, such as decisions about approvals or declinations, which we then communicate to you.
• If you link from our site to a partner site and apply for coverage, that partner provides periodic reports to M&A indicating that you purchased, renewed, or cancelled coverage.