“Site” means and includes any and all websites (including www.americanhealthandlifeinsurancecompany.com, meritlifeinsurance.com, and tritoninsurancecompany.com), interactive features, widgets, plug-ins, applications, content, downloads and/or other services maintained by American Health and Life Insurance Company, Merit Life Insurance Co., and Triton Insurance Company.
The terms “we,” “us,” “our,” or “Companies,” as used on this Site, mean and include the American Health and Life Insurance Company, Merit Life Insurance Co., Triton Insurance Company and OneMain Alliance, LLC. The terms “you” or “your” mean and include you as an individual person and, if you are an employee or representative of another person or entity, such person or entity.
We and our third-party service providers may use a variety of tracking technologies that automatically (or passively) store or collect certain nonpersonal information whenever you visit or interact with the Site (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with our Site. This Usage Information may include:
Please see our Privacy Notice, which we provide to all our customers, for a comprehensive explanation of how we collect, use and share Personal Information and what you can do to limit the use and sharing of your Personal Information.
The Companies use tracking technologies, such as Cookies and Web Beacons, on our Site to collect and store Usage Information whenever you visit or interact with the Service. A “Cookie” is a small file containing alphanumeric characters that stores information about the user or records the user’s browsing activity. Cookies are stored on your Device’s hard drive. A “Web Beacon” is an electronic image (1x1 .gif) located within a certain web page that allows the Site to record the simple actions of the user opening the page. Cookies, Web Beacons, and other tracking technologies (e.g., HTML5 and Flash local storage, embedded scripts, and e-tags/cache browsers) may be active on our Site. There may be other tracking technologies now and later devised and used by us in connection with the Site.
The Companies may send one or more tracking technologies to your Device when you visit the Site:
In addition to the list above, we may also work with data providers who may collect web log data from you, such as your IP address and information about your browser or operating system. We may place a data provider’s cookie which will be used to recognize your browser and enable you to receive customized ads or content. These cookies contain no personally identifiable information; they may contain or reflect demographic or other interest-based data in a de-identified form. The information in these cookies may be linked to data you voluntarily have submitted to us, such as your name, postal address or email, which we may share with a data provider in hashed or encrypted form. To opt-out of these data provider cookies, please go to the Digital Advertising Alliance (“DAA”) website at http://www.aboutads.info/choices.
The Companies also use depersonalized aggregated Usage Information to assess and maximize the performance of the Site. This depersonalized Usage Information may be provided to other companies to assist us with these objectives, including, but not limited to, third party advertisers, analytics providers, and other service providers. Depersonalized Usage Information does not include any Personal Information that can be used to identify individuals.
Your browser should allow you to manage tracking technologies. However, if your browser’s settings are too restrictive you may not be able to use all of the features of this Site.
Please see our Privacy Notice, which we provide to all our customers, for a comprehensive explanation of how we collect, use and share Personal Information and what your can do to limit the use and sharing of your Personal Information.
The Companies endeavor to incorporate commercially reasonable physical, electronic, and procedural safeguards to help protect and secure your Personal Information. We maintain Personal Information in secure computer systems and we limit the employees’ access to those with a business reason to see it. More specifically, employees may access information about you when needed to maintain your accounts or otherwise meet your needs. Our employees are trained to understand and comply with the Insurance Companies’ security safeguards. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed to be 100% secure.
Third parties that have content embedded on our Site may set Cookies on a user’s browser and/or obtain information about the fact that a web browser visited a specific Insurance Company website from a certain IP address.
Various third parties are developing or have developed signals or other mechanisms for the expression of consumer choice regarding the collection of information about an individual consumer’s online activities over time and across third-party websites or online services (e.g., browser Do Not Track (DNT) signals). Currently, we do not monitor or take any action with respect to these signals or other mechanisms. We do not allow third parties to collect Personal Information about a user’s online activities, over time and across different sites, services, and applications, when that user uses our Site, service or applications.
User Content and Public Information. The Site may permit you to submit ideas, photographs, video, pictures, data, information about your location, questions, comments, suggestions or other content, including Personal Information (collectively, “User Content”). We or others may store, display, reproduce, publish, distribute or otherwise use User Content online or offline in any media or format (currently existing or hereafter developed) and may or may not attribute it to you. Others may have access to this User Content and may have the ability to share it with third parties. Please think carefully before deciding what information you share, including Personal Information, in connection with your User Content. Please note that we do not control who will have access to the information that you choose to make public, and cannot ensure that parties who have access to such publicly available information will respect your privacy or keep it secure. We are not responsible for the privacy or security of any information that you make publicly available on the Site or what others do with information you share with them on the Site. We are not responsible for the accuracy, use or misuse of any User Content that you disclose or receive from third parties through the Site.
We are a general audience site and we do not knowingly collect, maintain, or use Personal Information on our Site about children under the age of 13 that requires parental notice and consent under the Children’s Online Privacy Protection Act (“COPPA”). If you are a child under 13 years of age, you are not permitted to use the Site and should not send any information about yourself to us through the Site.
If we become aware that we have collected personal information from any child, we will dispose of that information in accordance with COPPA and other applicable laws and regulations. If you are a parent or guardian and you believe that your child under the age of 13 has provided us with Personal Information without COPPA-required consent, please contact us using the ”Contact Us” link provided below, by phone at 1-800-307-0048 or mail us at OneMain Solutions, P.O. Box 2548, Fort Worth, TX 76113.
Copyright © 2019. All right reserved