Online Privacy Policy

Effective Date: August 2021

Universal Fidelity Life Insurance Company (referred to herein as “UFLIC,” “we, “us”, or “our”) has built its business on a foundation of integrity, honesty and trust, which includes respect for the privacy of its users and customers. When we refer to “you,” “your,” or “user,” we refer to the person using or accessing this website.

This Online Privacy Policy (referred to herein as “Online Privacy Policy” or “Policy”) describes how we collect, use, disclose and safeguard your information when you visit our website, our mobile sites, and our mobile device applications where this Online Policy is located. Please see the following documents, which are available on this website, for our broader privacy policies:

  • Our GLBA Privacy Notice entitled “What Does Universal Fidelity Life Insurance Company Do With Your Personal Health Information?” concerning the privacy provisions of the federal Gramm-Leach-Bliley Act and the regulations thereunder
  • Our HIPAA Privacy Notice entitled “Notice of Privacy Practices for Protected Health Information” concerning the privacy provisions of the Health Insurance Patient Protection and Accountability Act of 1996 and the regulations thereunder
  • Our “Privacy Information for California Residents” concerning the California Consumer Privacy Act of 2018
YOUR REQUESTS AND SUBMISSIONS ON THIS WEBSITE

When you are on this website, you may take certain types of action, such as filing a claim, emailing us, logging into your account, using tools or calculators, finding agents/agencies, asking a question or requesting information.

We do not collect, through this website, any personal data about you unless you voluntarily choose to use the functions or services made available to you. In that case, we only collect the information required to communicate with you:

  • Your name
  • Your email address and/or your telephone number
  • Other similar information to help us respond to your request or provide services to you

This information is not shared with anyone outside of UFLIC.

As described below, we DO use “cookies” to provide a positive website experience.

USE OF COOKIES

This website uses “cookies” to help you personalize your online experience. A cookie is a small piece of information that a website sends to your computer, which is stored in a file on your computer’s hard drive. A cookie may be used to track your visits to or within a website, as well as store personal information you may have provided during a website visit.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The cookie tells the web server that you have returned to a specific page. For example, if you personalize UFLIC pages, or register with the UFLIC website or services, a cookie helps UFLIC to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as your billing address. When you return to the same UFLIC website, the information you previously provided can be retrieved, so you can easily use the UFLIC features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the UFLIC services or websites you visit.

YOUR CHOICES
  • Providing information. You can choose not to provide us with some or all requested information. If you do not provide it, though, we may not be able to fulfill your request.
  • Accessing, reviewing, and changing your personal information. Registered users can review and change certain personal information (e.g., email, password, payment information, contact information) at any time by accessing their account on the mobile device applications or Web Based Apps.
  • Cookies. To manage how we use cookies.

You can choose not to provide us with some or all requested information. If you do not provide it, though, we may not be able to fulfill your request. You can also set your browser up to reject cookies. If you do this, some of the features of our website will not work.

HOW WE SECURE INFORMATION

We restrict access to your personal information to those employees (or people working on our behalf under confidentiality agreements) who need to know the information in order to provide products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with applicable federal regulations to guard your personal information.

GOOGLE reCAPTCHA

“Google reCAPTCHA” (hereinafter “reCAPTCHA”) may be implemented on our website. This service is provided by Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (“Google”).

Based on our legitimate interest in the prevention of spam and abuse, we may also use the invisible reCAPTCHA feature of Google on our website. This function is primarily used to distinguish whether an input is made by a natural person or by automated processing involving abusive activity or spam. reCAPTCHA analyzes and collects various information of the respective visitor, such as IP address, cookies, mouse movements of the user, length of stay on the website, etc. By using reCAPTCHA, data may be transferred to Google and other third parties in the process of determining whether the visitor is a human being or an automated program.

The use of reCAPTCHA is subject to Google’s Privacy Policy and Terms of Use. You can read which data is collected by Google and what this data is used for at https://policies.google.com/privacy You can read the terms of use for Google’s services and products at https://policies.google.com/terms.

INTERNATIONAL VISITORS

Our website is operated in the United States. We sell and administer insurance only in the United States. If you are located outside of the United States, please be aware that information you provide to us will be sent to the United States. By using our sites and giving us your information, you agree to such transfer. You also understand that the U.S. may not provide the same level of protections as the laws of your country.

LINKS

Our website may have links to third-party sites. If you click on one of those links, you will be taken to websites we do not control. We encourage you to be aware when you leave our site and to read the privacy policies of each and every website that you visit, as the privacy policies of those websites may differ from ours. Our Online Privacy Policy does not apply to the privacy or information practices of those other sites. We are not responsible for the privacy practices or the content of any other websites that may be linked to the UFLIC website.

CHANGES TO THIS POLICY

UFLIC reserves the right to change this Policy at any time, and from time to time, without notice in our sole discretion. Changes to this Policy will be posted here and effective as of the date at the top of this Policy. Users of our products or services should refer to the date at the top of this Policy to see if it has been updated. Your continued use of our products and services after any update to this Policy will constitute your acceptance of the changes.

AMENDING OR REDUCING FUNCTIONALITY; SUSPENSION OR TERMINATION OF ACCESS

We reserve the right to amend or reduce the functionality of this website and/or suspend or terminate your access at any time for any reason, at our sole discretion, without prior notice.

CONTACT US

If you have questions regarding these Terms of Use, you can contact us by email at generalinq@uflic.com or by telephone at 800-366-8354, or you may write to us at 13931 Quail Pointe Drive, Oklahoma City, Oklahoma 73134.

© Universal Fidelity Life Insurance Company. All rights reserved.