Notice of Web Site Privacy and Security Practices
At American Enterprise Group, Inc. and its affiliates ("Company"), we understand that it is important to you that we keep your personal information confidential. We are committed to maintaining the confidentiality of your personal information and earning your trust. Therefore, we offer our Web site privacy and security practices below to:
- Demonstrate our commitment to your privacy and security;
- Help you understand the care with which we intend to treat your information; and
- Assure you that we take reasonable steps to see that these practices are followed.
This notice of Web site privacy and security practices pertains to, and governs, only information the Company collects from you through www.americanrepublic.com ("Web site"). It does not pertain to, or govern, the Company's collection, use, storage or protection of any personal information you submit to us via any other means, including, without limitation, by phone, e-mail other than through this Web site, and the U.S. Mail. We cannot control the privacy and security policies of Web sites you may access through this Web site. In order to determine the privacy and security practices of any other Web sites, you must refer to the privacy and security policies, if any, associated with those Web sites.
Web Site Use Provision
When you visit the Company's Web site, our computers and servers may automatically collect statistics about your visit. In these instances, this information does not identify you personally, but rather identifies functions performed during a visit to our Web site. The Company may monitor user specific and user non-specific statistics, including but not limited to, how many users visit our Web site, the user's internet protocol (IP) address, which pages people visit, from which domains our visitors come and which browsers people use.
As a standard, the Company's Web site servers use log files. Our log file processes will perform tracking on IP addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks within our Web site. Our log file processes also administer the Web site, track users' movement in the interactive sections, and gather broad demographic information for business purposes as permitted by law. Other logs will be kept for those applications that are submitted to us through the Web site in order to retain and process the products and services that were requested.
When using an e-signature, you are contractually agreeing to our use of your information as described above and/or as revised from time to time by the Company. By visiting our Web site, you have the ability to view our privacy and security policies and terms and conditions of use and any revision of these policies and/or terms and conditions of use.
Web Site Information Collection & Use
The Company may require Web site users to submit information in order to perform certain Web site functions. To ensure that users receive products and services which best match their needs, users must provide complete and accurate information about themselves and those persons who will also benefit from these products and services. Examples of information users may be required to provide, include, but are not limited to, name, e-mail address, street address and financial information (e.g. credit card number, expiration date, etc.) to fully execute their request for a product and/or service. The information collected is used for business purposes, such as underwriting, billing, and premium collection. The Company does not sell, rent or lease any of the information collected on this Web site to any person or organization. If the Company is unable to process a Web site function, the user's information collected up until that point may be used to contact the user in order to fulfill the product or service request.
Additionally, we will only collect payment information from you when making purchases on this site or using certain features on this site. We will use your payment information to process your transactions. By making a purchase on this site, you consent to our providing your payment information to our service providers and to such third parties as we determine is necessary to process your transactions.
How is Personal Information Protected?
Our information technology systems use industry-recognized security controls to protect user information, and we have data security personnel whose sole responsibilities are to ensure the security of the information we collect, process and store. Additionally, the Company has internal policies and procedures in place to limit access to user information to only those who have a business need to view it.
The Company is able to securely collect and transfer user information using encryption technology. We employ Secure Socket Layer (SSL) encryption for all user information entered on the Web site. SSL technology encrypts information as it travels from the user's browser to our servers, and again from our server back to the user's browser. Therefore, a user's browser must support SSL encryption in order to fully utilize our Web site.
The Company may use third party service providers to help us operate our business and this site or administer activities on our behalf, such as authorization of credit card transactions or other administration purposes. We may share your information with these third parties for those limited purposes only. The Company utilizes certificate providers, such Network Solutions, to apply the SSL technology for online transactions. The certificates allow our Web site users to perform Web site functions such as credit card transactions and application entry and submission in a manner that cannot be intercepted or decrypted over the Internet. Certificate providers also verify that Web site users are conducting business with the Company. In order to confirm that a user's browser supports the SSL encryption functionality, the user should look for icons on the browser's window, such as a key or a closed lock. The Company encourages Web site users to verify that these icons are present before entering billing and credit card information.
For additional information regarding Network Solutions and SSL technology, please click on the following links:
All personal information and account activity are also protected through the use of user names and passwords. In order to help maintain the security of your information, you should protect the confidentiality of your user name and password.
A "cookie," by definition, is a piece of information that a Web site sends to a user's browser, which then stores information on the user's computer system. Users should be aware that cookies contain no more information than is volunteered, and are not able to "invade" the hard drive and return to the sender personal or other information from the user's computer.
The Company's Web site employs a persistent cookie that is deleted when the browsing session ends or the cookie expires, whichever comes first. No personally identifiable information is ever stored with the cookie.
Consent and Changes to This Web Site
By using this Web site, you signify your consent to the Company's online privacy and security policy. If you do not agree to this policy, please do not use this Web site. The Company reserves the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Any changes to this privacy and security policy will be promptly disclosed in the policy. Before the Company makes a significant change in its Web site privacy and/or security practices, we will change this notice and post it on this Web site at the time of the change. The Company reserves the right to make the new terms effective for all information which we maintain, including personal information that we collected or received before the Company made the changes to its policy. This notice is not intended to nor does it create any contractual or other legal right in or on behalf of any party, including you. We encourage you to check this page regularly since your continued use of this site following any changes to this privacy and security policy will be deemed to constitute your acceptance of such change.
We do our best to maintain the accuracy of personal information you supply to us and we will make corrections when you notify us. If you find information you would like to correct or update in any statements or other communication you receive from us, please contact our Customer Service Center at:
American Enterprise Group, Inc.
P O Box 9371
Des Moines, Iowa 50306-9371
If you have any questions about this privacy statement or the practices of the site, you may contact:
American Enterprise Group, Inc.
601 6th Avenue
Des Moines, IA 50334