Effective Date: 1/17/2013
American Benefits appreciates the trust you place in us when you purchase insurance through us from one of our appointed companies. We are committed to protecting your nonpublic personal information (“personal information”) and we value you as a customer.
To learn more about how American Benefits collects and uses your personal information, please read the following notice.
We collect personal information about you from different sources, including:
We only disclose personal information about our customers and former customers as permitted by law. Generally, this includes disclosures to third parties to effect, administer or enforce your transactions with us, or in connection with servicing your insurance policy. These third parties may include independent insurance carriers, independent contractors (such as automobile repair facilities and property inspectors), independent claims representatives, insurance support organizations, auditors, attorneys, courts and government agencies. We may also disclose your personal information to other insurance carriers with whom we have joint marketing agreements. Before disclosing your personal information, we require these parties to enter into an agreement with us that includes a confidentiality provision.
We may also share information about our transactions (such as payment history and products purchased) and experiences (such as claims made) with you within our American Benefits family of companies. American Benefits does not sell your personal information to others and we do not provide your information to third parties for their own marketing purposes.
The following provisions apply to your use of our websites.
American Benefits does not sell information about you to others. If you only browse our website, and do not supply any information, you will not receive unsolicited e-mail, telephone calls, or other marketing materials from American Benefits as a result of your visit.
When you make changes to your account or request more information about our products, we may forward information that you supply to us to independent carriers and third parties. We do this so they can service your account or contact you with additional information about our products & services.
We use Secure Socket Layer (SSL) encryption technology on some of the pages in our web site. SSL protects information as it crosses the Internet. When using our website, you can tell if you are visiting a secure area by looking at the padlock symbol at the bottom of your browser screen. If it is “locked,” you have a secure session.
American Benefits has security measures in place to protect the loss, misuse, and alteration of your personal information. Our servers are located in the United States of America and are designed to prevent unauthorized access.
American Benefits’ websites contain links to third party websites. These websites are not under American Benefits’ direct control, and they may collect information about you that American Benefits does not. We are not responsible for the privacy practices or the content of linked websites.
We maintain physical, electronic and procedural safeguards to protect your personal information.
Our employees are authorized to access customer information only for legitimate business purposes.
If American Benefits obtains medical information about you, it is done only in connection with obtaining insurance for your or servicing your policy or claims.
We will not use or share personally identifiable medical information for any purpose other than the administration of your account or as otherwise disclosed to you when the information is collected.
Please be aware that we may periodically update or revise this Statement. Please check our Consumer Privacy Statement frequently for changes.
This Privacy Statement applies to the following members of the American Benefits family of companies:
Larry Klobertanz, Investment Adviser Representative of and offers securities and advisory services through Signator Financial Services, Inc.
Member FINRA/SIPC and an SEC Registered Investment Adviser
American Benefits Financial Services Inc. and Signator Financial Services, Inc. are unaffiliated.