| Effective on: July 2001, Last updated on: June 5, 2006 |
This privacy
statement only discloses the privacy practices for information
collected on http://www.conseco.com. We understand that security and
privacy are important issues for visitors to our Web site and recognize
our obligation to keep the information secure and confidential. That's
why we maintain the following standards to help protect information
that personally identifies you or another person ("personal data"). If
you apply for a financial product or service online, you will receive
by mail a privacy notice from that company explaining how it protects
the privacy and security of information you provide both online and
offline. Current policyholders, borrowers, fund shareholders, and other
customers can obtain a written copy of their originating company's
privacy policy by contacting a Conseco customer service representative
at the customer service number shown on your policy, contract, or
account statement or by contacting your insurance agent or sales
representative.
|
 |
TRUSTe
Conseco
has been a licensed member of the TRUSTe Privacy Program since July of
2001. TRUSTe is an independent, non-profit organization whose mission
is to build users' trust and confidence in the Internet by promoting
the use of fair information practices. To demonstrate our commitment to
your privacy, conseco.com has agreed to disclose its information
practices and have its privacy practices reviewed for compliance by
TRUSTe.
If you feel that Conseco is not abiding by its posted
privacy policy, you should first contact Conseco's eBusiness department
by email at privacy@conseco.com. If you do not receive acknowledgment
of your inquiry or your inquiry has not been satisfactorily addressed
within 5 working days, you should then contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with Conseco to resolve your concerns.
INFORMATION COLLECTION AND USE
Conseco
is the sole owner of the information collected on this site. We will
not sell, rent, or otherwise disclose personal data to others in ways
different from what is disclosed in this statement.
Visitors to
conseco.com are not required to register to browse the site and we do
not collect personal data from them unless or until they register or
ask to have a representative contact them. Of course, if you register
with our site, we will collect personal data so that we can personalize
your visits, as described in "Registration" below.
In order to
tailor our Web site to an individual's preference, we combine
information about the purchasing habits of registered users with
similar information from our partners to create a personalized user
profile. See the "Registration" section below.
Registration
To
allow us to provide a more personalized experience on conseco.com,
visitors must first complete the registration form. An individual who
has completed a registration form, profile or representative contact
form is considered a user of our Web site. ("user"). To register, a
visitor must give their contact information (such as name, email
address, street address, city, state, and zip code). This information
is used to contact the user about the services on our site for which
they have expressed interest or which might be of interest based on
information they have provided. A Conseco sales representative will
contact users who have requested information about financial services
products. Contact information is enhanced with publicly available
demographic information. This process allows for messages about Conseco
products and services to be personalized based on Conseco's past
experience with users who fit a similar demographic profile. It is
optional for the user to provide demographic information (age, online
preferences, future financial plans), but encouraged so we can provide
a more personalized experience on our site.
Registration for the
Private Label Credit Card Service Center requires the user to provide
their Private Label Credit Card number, the last four (4) digits of
their Social Security Number, and their billing Zip-Code.
"I Want To Fill Out A Profile"
"Have A Representative Contact Me"
We
also collect personal data from users who fill out a profile form or
request to have a representative contact him/her. A user must provide
information (such as "I Want To Fill Out A Profile": name, date of
birth, physical address, phone number, and email address; "Have A
Representative Contact Me": name, email address, physical address,
telephone number, and best time to reach user) on a form. This
information is used to begin the application process and/or to have a
representative get in touch with the user. Our representative may offer
other products designed to meet your personal needs.
Cookies
We
improve our Web site through the use of standard Internet "cookie"
technology. A cookie is a bit of information that is stored on a
visitor's hard drive that allows us to track how a visitor navigates
through the site and areas in which a visitor shows interest. This is
similar to a traffic report: it tracks trends and behaviors, but does
not personally identify individuals, nor is it tied to personally
identifiable information. The anonymous information we gather includes
date and time of visits, pages viewed, time spent at the site, and the
site visited just before and after the Conseco site. In addition, a
cookie may also be used to make your visit to our site more convenient.
By setting a cookie on our site, the user would not have to log in a
password more than once, thereby saving time while on our site. If a
user rejects the cookie, they may still use our site, but the user will
be limited in some areas of our site.
Third party advertising
companies may use information about visits to this and other Web sites
in order to provide advertisements about goods and services of
interest. Unless you are otherwise notified by Conseco, these companies
do not link any online actions or cookies to an identifiable person.
Log Files
We
automatically collect information via log files including a user's IP
(internet protocol) address, browser type, and ISP (internet service
provider). This information is used to analyze trends, administer the
site, and gather broad demographic information for aggregate use. Log
file information is not linked to personally identifiable information.
We
automatically collect information via log files including a user's IP
(internet protocol) address, browser type, and ISP (internet service
provider). This information is used to analyze trends, administer the
site, and gather broad demographic information for aggregate use. Log
file information is not linked to personally identifiable information.
Tracking
Conseco,
our third parties and affiliates, may use tracking utilities that use
Log Files to analyze user movement. This analysis may set cookies on
our site to gather statistical information regarding user movement
throughout the site. The information collected by the third party
cookies is not linked to user personal information.
Privacy of Children
Conseco
adheres to the Children's Online Privacy Protection Act and will not
knowingly register or otherwise collect personal data from any child
under the age of 13 without the prior verifiable consent of the
person's parent or guardian. In addition, the website covered by this
policy is not directed toward children under the age of 13.
SHARING
Conseco
works closely with certain third parties who perform services on our
behalf, including but not limited to filling orders, providing
promotional materials to our users, sending e-mail, managing data,
processing credit card payments or providing customer service. Such
third parties have access to your personal data only to the extent
necessary to perform their functions and may not use or disclose it for
any other purpose. In some of these instances we try to provide a
seamless experience to our users. To that end we occasionally use
framing, masking and co-branding. Though the url in the browser window
says for instance 'conseco.com' you may be on a partner's site. You can
always check properties by right clicking on a particular area of a
site to see whose site you are on. Please refer to the partner's
privacy policy when submitting your information to them in these
instances.
We share personal data with third parties and
affiliate companies so they can inform you about the products and
services which you have indicated an interest. The Conseco family is
made up of financial services providers, including insurance, finance,
investment and securities companies. You may 'opt-out' of having your
personal data shared with these third parties by completing our online opt-out form (accessible from this page once a visitor has registered).
We
may also share personal data with intermediaries to provide the
products or services which you have indicated an interest. However,
they may not use your personal data for secondary purposes.
In
the event that we are involved in a sale of a substantial portion of
our business assets, user personal data will, in most instances, be
among the transferred assets. A notice will be placed on our site to
inform users of a change of ownership or control of their personal
information. If as a result of the business transition, your personally
identifiable information will be used in a manner different from that
stated at the time of collection you will be given choices consistent
with our notification of changes section. Personal data may also be
disclosed in order to comply with judicial or other government
subpoenas, warrants, or orders.
LINKS
This
Web site contains links to other sites. Please be aware that Conseco is
not responsible for the privacy practices of such other sites. This
privacy statement applies solely to information collected by this Web
site.
Please be aware that when you request an Automobile or Home
Insurance quote, you will be submitting your personal information
directly to our partner, Amica. Your information is being collected
directly by Amica. This information is not shared with Conseco. Please
review Amica's privacy statement for their privacy practices.
Communication from the Site, Special Offers and Updates
We
send all new registered users a welcoming email to verify password and
username. Registered users will occasionally receive information on
products, services, special deals, and a newsletter. Out of respect for
the privacy of our users we present the option to not receive these
types of communications. Please see our "Choice/Opt-Out" section below.
On
rare occasions it is necessary to send out a strictly service related
announcement. For instance, if our service is temporarily suspended for
maintenance we might send you an email. Generally, users may not
opt-out of these communications, though you can deactivate your account.
NEWSLETTER AND SITE UPDATES
If
a user wishes to subscribe to our newsletter or receive special offers,
we ask for contact information such as name and email address. Out of
respect for user privacy we present the opportunity to opt-out of such
communications. Please see our "Choice/Opt-Out" section below.
CONTESTS
From
time-to-time our site requests information from users via contests.
Participation in these contests is completely voluntary and the user
therefore has a choice whether or not to disclose this information.
Information requested typically includes contact information (such as
name and physical address), and demographic information (such as zip
code, age range). Contact information will be used to notify the
winners and award prizes.
Calculators
The site
contains various calculators designed to assist visitors in assessing
their needs for certain financial services. These calculators do no
collect, nor are they tied to personally identifiable information.
SECURITY
For
your protection, any and all on-line personal data must pass through
our secure servers. The security protocols utilized are called Secure
Socket Layer (SSL), IPSEC (Secure IP) and TripleDES. SSL protects all
data transmissions between your PC and our computer. SSL utilizes
authentication and encryption technology developed by RSA Data
Security, Inc. This method of cryptography means that unauthorized
individuals cannot readily decipher your personal data. Our secure
server uses 128-bit encryption (the highest level of encryption
currently available) and is verified by Verisign, Inc., a leading
provider of secure online certificates. Your personal data continues to
be secured upon transmission to the appropriate destination within
Conseco using either IPSEC or TripleDES security, providing an
equivalent or better level of encryption security for your information.
Finally, the servers that we store personal data on are kept in secure
environments with state of the art security systems in place.
If you have any questions about the security at our Web site, you can send an email to privacy@conseco.com.
CORRECTION/UPDATING PERSONAL DATA
Users
may correct, update or remove personal data we have collected at the
registration page or by sending an email message to
privacy@conseco.com. We will send you a response confirming that these
changes have been made.
CHOICE/OPT-OUT
Users who no
longer wish to receive our newsletter or promotional e-mails may
opt-out of receiving these communications by unchecking the appropriate
box on the "Update My Information" page, by replying to the email and
typing unsubscribe in the subject line, or by emailing us at
privacy@conseco.com.
As described in "Sharing" above, users may
also "opt out" of having certain personal data shared with third
parties or members of the Conseco family of companies, by completing
our on-line opt out form (accessible from this page once a visitor has registered).
NOTIFICATION OF CHANGES
If
we change our privacy policy, we will post those changes on our site so
users are always aware of what information we collect, how we use it,
and under what circumstances, if any, we disclose it. If at any point
we decide to use personal data in a manner different from that stated
at the time it was collected, we will notify users by email and users
will have a choice about whether to allow personal data to be used in
this different manner. However, if you have opted out of all
communication with the site, or deleted/deactivated your account, then
you will not be contacted, nor will your personal information be used
in this new manner.
CONTACT INFORMATION
If users have any questions or suggestions regarding our privacy policy, please contact us at:
11825 N. Pennsylvania Street
Carmel, IN 46032
Attn: Privacy Officer |
|
