For each visitor to our web page, our web server automatically recognizes no information regarding the domain or e-mail address. We collect information volunteered by the consumer, such as survey information and/or electronic messages. Information volunteered by the consumer is not sold to outside companies that are not affiliated with the Loyal Christian Benefit Association.

Protecting the privacy of your financial and medical information has always been and will continue to be a matter of top priority to the Loyal Christian Benefit Association (LCBA). When used in this notice, the following terms have the meaning shown.

Public Information means information that is lawfully available to the general public from: Federal, State or local government records; widely distributed media; or, disclosures to the general public that are required to be made by Federal, State or local law.

Non-Public Information means personally identifiable financial and medical information. It also means any list, description or other grouping of individuals, and publicly available information pertaining to them, that is derived from any personally identifiable information that is not publicly available.

Consumer Reporting Agency means an entity which regularly provides reports (Consumer Reports) including information regarding an individual’s: general reputation, character, personal characteristics or mode of living and financial status. The information may be obtained through interviews with the individual or third parties such as the individual’s: business associates, family members, friends, neighbors, acquaintances or financial sources.

We obtain information about you from the following sources:

• Information that you provide to us in an application or other form (such as name, address, social security number, etc.)
• Medical or health care providers as needed for underwriting insurance or processing claims (such as medical history, death certificate, etc.)
• Information about your transactions with us (such as premium payments, loans, claims, etc.) or others
• Information that we may receive from a Consumer Reporting Agency.

We do not disclose any personal, non-public information about you to anyone, except as permitted or required by law. We will not disclose any personal medical information about you, except as permitted by law or as you may authorize. We only disclose non-public information as needed for LCBA to provide insurance, insurance functions and fraternal benefits.

We restrict access to your personal, insurance and medical records to those of our employees who need to know that information in order to provide insurance, insurance functions or Fraternal benefits to you. We are, and will continue to be, vigilant in the safeguarding of your personal financial and medical information. We maintain physical, electronic and procedural safeguards to comply with Federal and State regulations regarding the safeguarding of Non-Public Information.

We are required, at least annually, to provide our privacy policy to our customers and do so in our Directionmagazine.