Ballard Benefits Group, Inc. Privacy Policy
Ballard Benefits Group, Inc. (BBG) provides this notice to you,
our customer, so that you will know what we do with the personal financial and
health information (collectively referred to as the "protected information") that
we may receive directly from you or receive from your health care provider or
receive from a third party source that you have authorized to send us your protected
information. At BBG we are concerned about your privacy and assure you that we
will do what is required of us to protect your information.
What types of information will we be collecting and protecting?
BBG collects information from you that is required both for our business and pursuant
to regulatory requirements. Without it, we cannot provide our products and services
to you. We will be collecting protected information about you from:
- Applications or other forms, such as name, address, Social Security number,
assets and income, employment status and dependent information;
- Your transactions with us or your transactions with others, such as account
activity, payment history, and products and services purchased;
- Consumer reporting agencies, such as credit relationships and credit history.
These agencies may retain their reports and share them with others who use their
services;
- Other individuals, businesses and agencies, such as medical and demographic
information; and
- Visitors to our websites, such as information from on-line forms, site visitorship
data and on-line information collection devices, commonly called "cookies."
What will we do with your protected information?
The information BBG gathers is shared within our company to help us maximize the
services we can provide to our customers. We will only disclose your protected
information as is necessary for us to provide the insurance products and services
you expect from us. BBG does not sell your protected information to third parties,
nor does it sell or share customer lists.
We may also disclose all of the information described above to third parties with
which we contract for services. In addition, we may disclose your protected information
to medical care institutions or medical professionals, insurance companies, insurance regulatory authorities, law enforcement or other government authorities, or to affiliated or nonaffiliated
third parties as is reasonably necessary to conduct our business or as otherwise
permitted by law.
Our Security Procedures
At BBG, we have put in place the highest measures to ensure the security and
confidentiality of customer information. We will handle the protected information
we receive by restricting access to the protected information about you to those
employees and agents of ours who need to know that information to provide you
with our products or services or to otherwise conduct our business, including
actuarial or research studies. Our computer database has multiple levels of security
to protect against threats or hazards to the integrity of customer records, and
to protect against unauthorized access to records that may harm or inconvenience
our customers. We maintain physical, electronic, and procedural safeguards that
comply with federal and state regulations to safeguard all of your protected information.
Our Legal Use of Information
We retain the right to use ideas, concepts, know-how, or techniques contained
in any nonpublic personal information you provide to us for our own purposes,
including developing and marketing products and services.
Your Right to Review Your Records
You have the right to review the protected information about you relating
to any insurance or annuity product issued by us that we could reasonably locate
and retrieve. You may also request that we correct, amend or delete any inaccurate
information by writing to us at:
Ballard Benefits Group, Inc.
6668 Frontier Drive
Independence, KY 41051
We always protect your interests!
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