Protecting the privacy and security of personal information about our customers is important. This privacy policy (“Privacy Policy”) tells you how Tumens, LLC (“Tumens”), treats information collected on www.tumens.com about our current and former customers. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
If you have questions or complaints regarding our Privacy Policy or practices, please contact us at (858) 309-3000 or by email at Client.Services@tumens.com
We do not sell or share information about our customers with anyone else other than in the ways that are described in this Privacy Policy. We maintain physical, electronic, and procedural safeguards to protect the information. Our employee access to information about our customers is limited to people who need access to do their jobs.
COLLECTION OF INFORMATION
We get most of the information we need from customer applications and other forms. If a customer authorizes it, we may get information from others. We may obtain information as we process customer transactions. If you provide information to Tumens regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable Privacy Notice provided to you; and (b) to obtain any legally required consent of information about the individual in accordance with this Privacy Policy and other Privacy Notice.
For example, when a person applies for life insurance, we may ask for permission to get information from insurance support organizations such as the Medical Information Bureau and consumer reporting agencies. We may also obtain information as we process customer transactions. The information we collect through our Web site and offline includes:
CUSTOMER INFORMATION
such as Name, Date of Birth, Telephone Number, Email Address, Social Security Number and Demographic Data.
FINANCIAL INFORMATION
such as Credit History, Income, Assets, Bank Account information, Credit Card information and Other Insurance Products.
HEALTH INFORMATION
such as Medical History and other factors affecting insurability.
THIRD PARTY PERSONAL INFORMATION
We collect the following personal information from you about your contacts or friends:
- First and last name
They may contact us at Client.Services@tumens.com to request that we remove this information from our database.
USE OF INFORMATION
We use the information for business purposes, such as
- contacting you regarding the products or services in which you have expressed an interest.
- processing applications and claims,
- servicing your business,
- responding to your questions and concerns,
- improving our Web site and marketing efforts, and
- offering you other products and services.
INFORMATION SHARING
We share the information with others who provide services to help us process or administer our business.
We may share information under the following circumstances:
- with medical examiners who help us underwrite life insurance applications
- with service providers such as third parties who help us process claims or print our customer statements, an email service provider to send out emails on our behalf, and an employment company to assist us with our hiring. We require that our service providers limit their use of the information and keep it confidential, and will share the personal information you provide only as necessary for the third party to provide that service
- when we have the customer’s prior permission
- when we are allowed or required by law to disclose it, such as to comply with a subpoena, or similar legal process
- when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request, or
- if Tumens is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information
We may share information with other companies to offer customers other financial products and financial services that may be of interest to them.
However, you have the right to tell us that you do not want us to share any information with these companies. This right is known as the right to “opt out.” You may opt out at any time by sending us a written request to the address below. Even if you opt out, we may still disclose information as allowed or required by law.
We will not share information with anyone else unless:
- we have the customer’s permission, or
- we are allowed or required by law to disclose it.
In certain situations, Tumens may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
Due to the global nature of our business, for the purposes set out above we may transfer information to parties located in other countries. We may transfer information internationally to our group companies, service providers, business partners and governmental or public authorities. By providing information through our on-line services, and/or by sending a communication to an Tumens e-mail address, you understand and consent to the collection, use, processing disclosure and transfer of such information in the United States and other countries or territories, which may have different data protection laws than the country where you reside, in accordance with the terms of this Privacy Policy. Further, please note that any communication you send to an Tumens e-mail address will be routed through the United States. We will utilize appropriate safeguards governing the transfer and usage of your personal information.
How Does Tumens Keep My Social Security Number Safe?
It is the policy of Tumens to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. We also limit access to Social Security Numbers, by among other means, only granting access to Social Security Numbers to our employees who use that information to perform their job-related duties. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.
Is This Privacy Policy a Contract?
This Privacy Policy is not a contract and is not intended to be a contract between customers or visitors, and the site sponsor, its subsidiaries, or affiliates with respect to any information practices concerning information obtained through use of this site.
How Can I Contact You for Information?
If users have any questions regarding our Privacy Policy, please contact us at:
19 25th Street SW
Roanoke, VA 24014
858.309.3000
Client.Services@tumens.com
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, or deactivate it by emailing our Customer Support at Client.Services@tumens.com or by contacting us by telephone or postal mail at the contact information listed above. We will respond to your request within a reasonable timeframe.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Is this Web Site Secure?
This Web site takes precaution to protect our users’ information. Access to users’ information is restricted in our offices, and we follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). Only employees who need the information to perform a specific job (for example, an agent or a customer service representative) are granted access to personally identifiable information. Furthermore, employees are kept up-to-date on our security and privacy practices. Every year, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users’ information is protected. Finally, the servers that store personally identifiable information are in a secure environment in a locked facility. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security at our Web site, send an email to Client.Services@tumens.com.
This Privacy Policy only applies to this site. This site only includes its home page and pages hereunder operated by Tumens. This Privacy Policy does not apply to any linked site, any site provided by a third party, or any site provided by Tumens. You must consult the privacy policy of each site, particularly at any sites provided by third parties, in order to determine what information about you is collected and how that information is used.