Privacy Statement

At USAble Life, we know that the privacy of your personal information is important to you. The proper handling of your personal information is one of our highest priorities. We want to be sure that you know why we need to collect personal information from you. We also want you to know how we protect your privacy and the measures we take to safeguard your information. By using our website and related insurance services (“Services”), you accept and agree to the practices this privacy statement describes. If you do not agree to any of the terms in this privacy statement, you should not use the Services..

What Information Do We Collect?

USAble Life collects and keeps only information that is necessary for us to provide our Services requested by you and to administer your business with us. We may collect nonpublic personal information:

From you when you voluntarily complete an application or other form. This could include information such as name, address, social security number, income and any medical information that you authorized us to collect to underwrite and administer policies and claims;
From you when you contact us with inquiries, including via email;
From you when you sign up to receive communications;
From a consumer-reporting agency or Medical Information Bureau as authorized by you; or
As a result of transactions with us, or with our affiliates or others. This could include policy values, policy numbers, payment history, and transactions completed with us.

We may also collect details of your visit to our website and the pages you access, including, but not limited to, traffic data, location data, weblogs and other communication data, including your IP address, browser type, the date and time you accessed or left the website, and which pages you viewed. Some parts of our website use cookies and other technologies to collect this information about your general internet usage. See the section below called “How We Use Tracking Technologies” to learn more.

Why We Collect Information

We use your information for the following purposes:

To present our Services to you;
To personalize your experience;
To provide you with information or services that you request from us;
To fulfill any other purpose for which you provide it;
To notify you about changes to our Services we offer;
To allow you to participate in any interactive features on our Services;
In any other way we may describe when you provide the information;
To improve our Services;
To perform analytics to learn about the behavior of our Service users;
To send periodic emails relating to occasional company news, updates, or related information;
With your permission, we may send you marketing emails about our Services and other updates;
For any other purpose with your consent;
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our customers is among the assets transferred.

Sharing Information

We may share your nonpublic personal information with non-affiliated companies or individuals as permitted by law, such as third party administrators and consumer reporting agencies, or to comply with legal or regulatory requirements. In the normal course of our business, we may disclose information we collect about you to companies or individuals that contract with us to perform servicing functions such as record keeping, policy administration, claims adjudication, computer processing, joint marketing of products and distribution of statements. When we provide personal information to a service provider, we require these providers to agree to safeguard your information, to use the information only for the intended purpose, and to abide by applicable law.

We may also share your personal information as follows:

To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Information held by us about our customers is among the assets transferred;
To enforce any agreement, including any applicable terms of service;
To establish or exercise our right to defend against legal claims;
To law enforcement and other government authorities such as legislatures, courts, agencies and litigants if we reasonably believe that such action is necessary to: (a) comply with the law and the reasonable requests of governmental authorities; (b) comply with legal process; (c) respond to requests from public or government authorities, including public or government authorities outside your country of residence; (d) protect the security or integrity of the services’ information systems; and/or (e) exercise or protect our rights, privacy, safety or those of affiliates, clients, you or others; and
If we reasonably believe disclosure is necessary or appropriate to protect the rights, property, or safety of USAble or others.

How We Use Tracking Technologies

We use cookies (small text files stored in your browser) and other techniques such as web beacons (small, clear picture files used to follow your online activities) (“Tracking Technologies”). Tracking Technologies collect information that tells us how you use our App, web-related products and Services. The use of Tracking Technologies does not give us access to the rest of your computer. This, in turn, helps us make our Services relevant to your interests and needs. We use a number of different Tracking Technologies, including functional, performance, advertising, and social media or content cookies.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising Most browsers accept cookies automatically. You may be able to set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. For instructions, check your browser’s technical information. If you disable or refuse cookies, please note that some parts of this App may then be inaccessible or not function properly. However, you can still receive service by contacting customer care over the telephone or via email. Please note that cookie-based opt outs must be performed on each device and browser that you wish to have opted out.
Google Analytics We may use Google Analytics to improve our App’s functions. You can choose not to be included in Google Analytics by visiting https://tools.google.com/dlpage/gaoptout.

Third-Party Websites

Our website may contain links to other websites or applications, including those of third parties or partners. While we seek to link only to websites or applications that share our high standards and respect for privacy, we cannot be responsible for the privacy practices other websites or applications use. By accessing other third party websites or applications through our website, you are consenting to the terms and privacy policies of those websites and applications. It is possible that other parties may collect personally identifiable information about your online activities over time and across different websites when you use our websites.

International Visitors

Our website is hosted and operated in the United States (“US”). By using this website, you are consenting to the transfer of your personal information to the US. If you are accessing our website from outside the US, please be advised that US law may not offer the same privacy protections as the law of your jurisdiction.

Additional Privacy Rights

Residents of California, Virginia, Colorado, Connecticut, and Utah may have additional rights relating to their Personal Information. Please see our Supplemental Privacy Notice to learn more.

Users Only of Legal Age of Majority

Our Services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Services or on or through any of its features/register on the Services or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received Personal Information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13 without verifiable parental consent, please contact us at privacy@usablelife.com.

How We Protect Information

Only employees with a valid business reason have access to your personal information. These employees are trained and educated on the importance of maintaining the confidentiality and security of this information. They are required to abide by our information handling practices. We maintain security standards to protect confidential information, including personal information, whether written, spoken, or electronic. We update and test our systems to ensure the protection and integrity of our information. However, no data protection procedures are entirely infallible. As a result, while we strive to protect your personal information, we cannot guarantee that it will be 100% secure. Your transmission of your information to our Platform thus is done entirely at your own risk.

Maintaining Accurate Information

Our goal is to maintain accurate, up-to-date customer records in accordance with industry standards and state and federal insurance laws. We have procedures in place to keep information current and complete, including timely correction of inaccurate information. Please contact us if you would like to review and update your personal information.

Privacy Policy Updates

We update the privacy statement from time to time, so please review it regularly. If we materially change our privacy statement, we will notify you by contacting you through your provided e-mail address or by posting a notice on our website. Your continued use of our website will be deemed your agreement that your information may be used in accordance with the new privacy statement. If you do not agree with the changes, then you should stop using the website and notify us that you do not want your information used in accordance with the changes.

Disclosure of our Privacy Notice and Contact Information

At USAble Life, we recognize and respect the privacy concerns of our potential, current, and former customers. We are committed to safeguarding this information. You may contact our Customer Care Call Center at (800) 370-5856 between the hours of 8:00 a.m. until 4:30 p.m. Central Time, Monday through Friday to obtain a printed copy of our Privacy Notice.

SUPPLEMENTAL PRIVACY POLICY

USAble Life (“USAble,” “us,” “we,” and “our") provides this supplemental privacy notice (the “Supplemental Privacy Policy”) for visitors, users, and others who reside in the States of California, Virginia, Connecticut, Colorado, and Utah (the “Supplemental States”). The Supplemental Privacy Policy supplements the information contained in the Privacy Notice and applies solely to visitors, users, and others who reside in the Supplemental States. To the extent any provision in this Supplemental Privacy Policy conflicts with a provision of the Privacy Notice, the Supplemental Privacy Policy shall govern with respect to visitors, users, and others who reside in the Supplemental States. This Supplemental Privacy Notice is provided in accordance with California Consumer Privacy Act, the Virginia Consumer Data Protection Act, the Connecticut Data Privacy Act, the Colorado Privacy Act, or the Utah Consumer Privacy Act (the “State Privacy Laws”).

Collection of Personal Information

We may collect the personal information and sensitive personal information categories listed in the table[s] below. The table[s] also list[s], for each category, our expected retention period, how we obtain the personal information, and whether we sell the information or share it with third parties for cross-context behavioral advertising.

Personal Information Category (per the CPRA)	Retention Period	Source	Sold or Shared
Identifiers, such as real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, or other similar identifiers.	For as long as needed to fulfil the business purpose listed	Directly from you. For example, from forms you complete or products and services you purchase.	Not sold or shared
Categories of personal information described in Cal. Civ. Code § 1798.80(e), such as name, signature, physical characteristics or description, address, telephone number, bank account number, credit card number, debit card number, or any other financial information.	For as long as needed to fulfil the business purpose listed	Directly from you. For example, from forms you complete or products and services you purchase.	Not sold or shared
Characteristics of protected classifications under state or federal law, such as age, citizenship, and sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions).	For as long as needed to fulfil the business purpose listed		Not sold or shared
Commercial information, such as records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	For as long as needed to fulfil the business purpose listed	Directly from you. For example, from forms you complete or products and services you purchase. Indirectly from you. For example, from observing your purchase history on our Site.	Not shared or sold
Biometric information	For as long as needed to fulfil the business purpose listed	Directly from you in your participation in company health initiatives	Not shared or sold
Internet or other electronic network activity information, such as browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement.	For as long as needed to fulfil the business purpose listed	Indirectly from you. For example, from observing your actions on our Site.	Not shared or sold
Inferences drawn from other personal information to create a profile about a consumer reflecting a consumer’s preferences, characteristics, and trends.	For as long as needed to fulfil the business purpose listed	For as long as needed to fulfil the business purpose listed	For as long as needed to fulfil the business purpose listed

Sensitive Personal Information Category	Retention Period	Business Purpose	Sold or Shared
Government identifiers (social security, driver's license, state identification card, or passport number)	For as long as needed to fulfil the business purpose listed	Employment and payroll services	Not shared or sold
Complete account access credentials (user names, account numbers, or card numbers combined with required access/security code or password)	For as long as needed to fulfil the business purpose listed	Employee access to business platforms	Not shared or sold

Personal information does not include: publicly available information lawfully made available from government records, deidentified or aggregated consumer information, or information excluded from the State Privacy Laws (as applicable).

Use of Personal Information

We may use or disclose the personal information collected for one or more of the following business or commercial purposes:

To fulfill or meet the reason for which the information is provided. For example, to create your personal account to process your orders.
To provide you with information, products, or services that you request from us, including answering your queries.
To provide you with phone calls, text message notifications, email alerts, and other notices concerning our products or services.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection and managing your account.
To be able to analyze your personal data to provide you with relevant marketing offers and information.
To improve our website.
Testing, research, analysis, and product and service development.
As necessary or appropriate to protect the rights, property, or safety of us, our employees, our customers, or others.
To respond to law enforcement requests and as required by applicable law, court order, or government regulations.
As described to you when collecting your personal information.

We will not collect additional categories of personal information or use the personal information we collect for material different, unrelated, or incompatible purposes without providing you with notice.

Your Rights

Residents of the Supplemental States have certain rights. Please note that the below rights are not absolute, and we may be entitled to refuse requests, wholly or in part, where exceptions under applicable law apply.

Right to Access
You have the right to access personal information that we may collect or retain about you. If requested, we shall provide you with a copy of your personal information which we collected as permitted by the State Privacy Laws.
You also have the right to receive your personal information in a structured and commonly used format so that it can be transferred to another entity (“data portability”).

Right to Know
You have the right to request that we disclose the following about your personal information, as defined by the applicable State Privacy Law:

The specific personal information we may collect;
The categories of personal information we may collect;
The categories of sources from which we may collect your personal information;
The business purpose(s) for collecting or sharing your personal information;
The categories of personal information we may disclose for business purposes; and
The categories of third parties to whom we may share your personal information. Submit to: email inbox

Right to Opt-Out/Do Not Sell My Personal Information
We do not sell or share personal information.

Do Not Share or Disclose My Sensitive Personal Information
You have the right to limit how your sensitive personal information is disclosed or share with third parties, as defined in the CPRA.

Right to Deletion
In certain circumstances, you have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (instructions and description below), we will delete, and, as applicable, direct our service providers to delete, your personal information from our records, unless an exception applies.

We may deny your request to delete your personal information if retaining the information is necessary for us or our service providers, subject to certain exemptions based on your state of residence.

Submit to: privacy@usablelife.com

Right to Correct/Right to Rectification
In certain circumstances, you have the right to request correction of any inaccurate personal information. Upon verifying the validity of a valid consumer correction request, we will use commercially reasonable efforts to correct your personal information as directed, taking into account the nature of the personal information and the purposes of maintaining your personal information.

Submit to: privacy@usablelife.com

Right to Non-Discrimination
We will not discriminate against you for exercising any of your rights under the applicable State Privacy Law. Unless permitted by the applicable State Privacy Law, we will not:

Deny you goods or services;
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
Provide you with a different level or quality of goods or services; or
Suggest that you receive a different price or rate for goods or services or a different level or quality of goods or services.

Submit to : privacy@usablelife.com

Exercising Your Rights

If you are a resident of the Supplemental States, you can exercise any of your rights as described in this Notice and under applicable State Privacy Laws by contacting privacy@usablelife.com with your request.

We take the privacy of your personal information seriously and want to ensure that we provide only you or your authorized agent with your Personal Information. Applicable law also requires that we verify the identity of each person who makes a request to know what personal information we have about you or to delete the personal information we have about you.

Last Updated: 12/6/2023