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Online Privacy

Effective 9/1/2014

At Central States Health & Life Co. of Omaha (CSO) we value the trust you have placed in us and maintaining this trust is a high priority for us. We pride ourselves on offering you top quality insurance products and providing you with excellent service. We do this while respecting your right to privacy and using your information only as we agreed. Our information practices for this web site are described below:

Your Personal Information:
When you come to a CSO web site, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what portions of the web site you are visiting. We aggregate this information to help us create a better experience for users of our web site. For example: we may upgrade those parts of the web site that are heavily visited or optimize the web site to work more efficiently with certain operating systems. This is all done without our knowing your name or other personal identifying information. When you visit a CSO web site, you are anonymous, unless you choose to identify yourself to us.

You are not required to provide us with personal information to use our web sites, unless expressly stated. For example, certain features may require you to submit some personal information in order for those features to function as designed. Such information might include name, address, E-mail address, and phone number. Certain portions of our web sites may require you to provide identifying information and use individual passwords in order to access personal information.

If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. CSO treats this information as confidential. However, we may disclose this information to third parties when we believe it is necessary in order for us to conduct our business, or where such disclosure is required by law. For example, we may disclose information to others to enable them to perform business services for us relating to the products and services we offer, or who help us to evaluate requests for insurance or benefits.

We may also disclose this information to others outside of the CSO family of companies, such as marketing companies or our agents, to assist us in offering our products and services to individuals who apply for or obtain products and services from us. We do not make any other disclosures of personal information to other companies who intend to sell their products or services to you. For example, we will not sell your name or E-mail address to a catalog company.

Cookies:
A cookie is a small piece of information that a web site sends to your computer, which is stored in a file on your hard drive. The next time you visit our web site, we may use the information stored in your cookie file to facilitate your use of our web site. For example, we may use your cookie file to store a password so that you do not have to input it every time you move to a different section of a password protected portion of our web site. A cookie does not tell us your individual identity unless you have chosen to provide it to us. Most cookies expire after a defined period of time, or you can delete your cookie file at any time you choose. In addition, you can set your browser to notify you when you receive a cookie so that you can decide whether to accept or reject it.

Privacy and E-Mail:
CSO uses no encryption (data scrambling) on certain portions of our web site, and up to 128-bit encryption on other portions. When you are on any web site that asks you for confidential information (your social security number or a bank or credit card account number, for example), you should check to see if the information being transmitted is encrypted in order to increase the security of your information. If you need to send confidential information and are concerned about the security of a web site, then you should consider providing it by phone or by regular mail instead.

Minors:
At the CSO web sites we make no active effort to collect personal information from children under the age of 18. We believe that children who do wish to submit information to CSO should have permission from their parent or legal guardian.

Additional Rights:
Applicable laws may give you additional rights that are not described in this online privacy policy.