Welcome! Mutual Benefit Group (MBG) is committed to protecting your privacy and recognizing your need for appropriate protection and management of personally identifiable information you share with us on our website ("Website") (the phrases "personally identifiable information" or "personal information" mean any information by which you can be identified, such as your name, address, telephone number, social security number, account number(s), private health information, and birthdate). MBG intends to give you as much control as possible over your personal information.
As you navigate through this Website, certain information can be passively collected using various technologies, such as navigational data collection. This Website may use Internet Protocol (IP) addresses. An IP address is a number automatically assigned to your computer by your Internet service provider. We may collect IP addresses for the purposes of system administration and to audit the use of the Website. Each time you log onto the Website and each time you request one of our pages, our server logs your IP address. Although we log your session with us, we will not normally link your IP address to anything that can enable us to identify you.
Information You Submit
The personally identifiable information we collect when you communicate with us via email and online forms will depend upon your inquiry and the type of insurance you request. Such information may include your name, address, social security number, date of birth, income level or wage information, medical information, health history or credit history, and further, in the case of online billing, banking information and credit card number, if provided. Some of the information that you submit may be personally identifiable information. We typically use this information we collect to respond to inquiries, provide quotes when requested, underwrite and administer policies, ensure proper billing and service accounts.
We also may obtain nonpublic personal information about you from information we receive from you on applications and other forms; information about your transactions with us, our affiliates or others; and information we receive from your insurance agent or producer and consumer reporting agencies.
Sharing of Information
MBG may provide certain aggregate information we collect from visitors to this Website (e.g., statistics, sales, traffic patterns and services) to third parties who can assist MBG in analyzing and understanding the information and help us to better provide online products and services. Should MBG share this aggregate information with third parties, it will not include any personally identifiable information.
MBG does not sell your personally identifiable information to third parties. When you provide personally identifiable information to us, we may share it and any transaction information such as premium payments or claims history with our affiliated companies and third-party contractors who are subject to confidentiality agreements solely for the purpose of evaluating and fulfilling your requests for insurance coverage, processing transactions requested by you, carrying out our obligations as your insurer, or administering and offering our products and services.
Please bear in mind that anyone you provide with your log-in information will also have access to your account and personally identifiable information.
Notwithstanding the foregoing, however, MBG reserves the right at all times to disclose any information as MBG determines, in its sole discretion, to be necessary to satisfy any law, regulation or governmental request or to avoid liability for MBG or any third party.
Editing, Updating, Correcting and Deleting User Information
We want to communicate with you only if you want to hear from us. If you prefer not to receive information from us, or if you have questions regarding our Privacy Notice, the accuracy of your personal information or the use of the information collected, please let us know by sending us an e-mail to email@example.com.
You also can write us at:
Mutual Benefit Group
409 Penn Street
PO Box 577
Huntingdon, PA 16652
Please be sure to include your e-mail address, full name, and your question(s) and, if applicable, specifically what information you do not want to receive. If you would like to update or correct your e-mail address, street address or other personal information with us, please contact us the same way. Please note that sometimes these requests may take some time to be effective, and if you delete certain information, you may not be able to continue to access certain portions of the Website without entering additional information.
Security of Information
MBG will take reasonable steps to protect your personally identifiable information that you transmit to MBG and this Website and to protect such information from loss, misuse and unauthorized access, disclosure, alteration or destruction. However, no Internet transmission is ever fully secure, and MBG cannot guarantee that information transmitted via this Website will remain confidential at all times. When collecting credit card information for online payments, we offer secured-server transactions that encrypt your information in transit to thwart someone from intercepting it and misusing it. When we collect other information from our users, it is stored in an area to which the general public does not have access. We maintain physical, electronic and procedural safeguards to ensure that personal information is stored and treated responsibly. While we agree to be bound by our representations regarding disclosure of your personally identifiable information, we are not responsible for information that otherwise is or becomes publicly available.
Children's Privacy (Under the Age of 13)
MBG takes children's privacy seriously and wants children and parents to understand that our Website is not intended for children under the age of 13. If you are under the age of 13, please do not use this Website. We do not seek to collect personal information about children through our Website. If we become aware that a person submitting personal information to us through any part of our Website is a child under the age of 13, we delete the information as soon as we discover it and do not use it for any purpose, nor do we disclose it to third parties. Since we do not seek to collect any personal information about children, and we delete information collected inadvertently as soon as we discover that a child has submitted it, we typically retain no information about children that could be reviewed or deleted. If a parent requests review or deletion of information about their child before we have discovered and deleted the information, we will of course honor that request. Please contact us at firstname.lastname@example.org.
Changes to Privacy Notice
This Privacy Notice extends to Mutual Benefit Group's member companies, Mutual Benefit Insurance Company (National Association of Insurance Commissioners (NAIC) Company Code 14664) and Select Risk Insurance Company (NAIC Company Code 17752), which are domiciled in Pennsylvania and are licensed in the states of Pennsylvania and Maryland. MBG reserves the right to change this Privacy Notice at any time by posting a new version thereof on this Website. Please check this page periodically for changes.