Royal Neighbors of America values your privacy. This notice describes how we protect your personal information and the limited instances in which we might share your personal information with others. The last section on the back of this page tells how you can contact us to limit certain types of information sharing. You don’t need to do anything if the practices and procedures below meet your expectations.
In order to keep your personal information confidential, we employ physical, electronic, and procedural safeguards. In addition, Royal Neighbors regularly reviews and updates its policies and practices, monitors its computer networks, and tests the strength of its security. We restrict employee access to customer information to those with a need to access or use the information to provide products and/or services to you. If we give anyone access to your information, including vendors, or marketing partners, we require them to follow standards, procedures, and laws.
We ask for only the personal information necessary to delivery products and services to you. This information is used to provide you with the product or service you have applied for, to offer you additional products and services, to evaluate and pay claims for benefits, and to assist you in managing your certificates or membership accounts.
The sources of information that we collect depends on the extent of our relationship with you.
|Information you give to us||Information on applications or other forms related to our products or information you provide to our fraternal chapters|
|Information from non-affiliates||A “non-affiliate” shares no common ownership with us, like 3rd party administrators who assist us in servicing and administering policies.|
|Our benefit partners||Our retail, legal, and medical discount partners|
|Internet sources||Our website, mobile sites and apps, social media sites and apps, and your interactions with our advertisers|
|Transactions or experiences||Records of payments, underwriting, or claims, whether collected directly by us or others|
|Information provided by others||Consumer reporting agencies, claims histories, and credit information; information for underwriting or investigations; marketing lists; or collected from public sources|
The type of information we gather depends on the extent of our relationship with you. We may collect:
|Identifying information||Name, phone numbers, email address, mailing address, demographic information, and often a social security number|
|Risk Analysis Tools||Consumer credit reports, credit scores, lists based on credit factors|
|Historical information||Employers, payments, driving records, legal filings or judgments, applications, claims, website use and other information that helps us manage our products and services|
|Account numbers||Bank or credit account numbers that you give to us|
|Medical information||Health records from underwriting or claims processing|
We may share your information with our home office staff in order to process your application or claim, administer your certificate or account, provide you with a service you request or to administer our business.
We may share information as the law permits or requires (government agencies or in response to subpoenas). Royal Neighbors does not knowingly sell information on its customers who are minors under the age of 16 without affirmative legal authorization.
We may share your information with non-affiliates in order to process your application or claim, administer your certificate, provide you with a requested service or to administer Royal Neighbors’ business (such as maintaining or developing software). All non-affiliates have contractual relationships with Royal Neighbors which require them to abide by certain privacy and data security requirements in order to further protect your information.
We may share data that identifies you and your fraternal relationship data with organizations that perform marketing services on our behalf pursuant to your authorization. We provide information regarding your membership status to your local Royal Neighbors chapter.
We may share information as the law permits or requires (government agencies or in response to subpoenas).
Should your relationship with Royal Neighbors end, we may continue to share information and let you limit the sharing as described in this notice as if you were a current customer. Once Royal Neighbors no longer needs to retain personal information, it will be disposed of in a secure manner.
To limit the sharing of personal information or to opt-out from some kinds of sharing and marketing offers, please visit the Royal Neighbor website at http://www.royalneighbors.org/privacy-notice, download the Opt-Out Form, and return it to the Home Office. You should know that our regular required mailings to you may still contain marketing materials and we may still share your name, address and telephone number as well as the existence of your products, services or benefits as needed by our fraternal operations, including chapters.
Upon request, Royal Neighbors will permit you to access your personal information so that you may view, update or correct it. We may take reasonable steps to verify your identity before granting you access to the information. Royal Neighbors will not discriminate against you based on your choice to exercise any rights prescribed to you by law.
We reserve the right to modify this Privacy Notice. If a material change is made to this Privacy Notice, a revised version of the Privacy Notice will be made available to you.