EMC National Life Company Internet Privacy Notice
EMC National Life Company (EMCNL) understands that privacy is an important issue for visitors to our website at www.EMCNationalLife.com. It is the policy of EMCNL to protect the nonpublic, personally- identifiable information of our customers and to keep this information secure and confidential. The following explanation is provided to help our website visitors understand what information is gathered through our site and how that information is handled and used once it is gathered.
EMCNL's website consists of secure areas (Agent Access, Policyowner Access, Employer Access) and public access areas. Secure areas require the correct username and password before a visitor is permitted access. Public access areas, by comparison, are available to any visitor.
Secure Areas
Access to EMCNL's secure areas is restricted to EMCNL's agents, policyowners and employer business partners. Individuals within these groups are "authorized" after meeting certain identification criteria and are assigned individual usernames and passwords for secure area access. Nonpublic, personally-identifiable information is obtained from and displayed to our authorized users through secure communications via EMCNL's secure areas. Such information is obtained and displayed as part of the insurance application, underwriting, claims, administration and/or servicing processes. Authorized users are not permitted access to nonpublic, personally-identifiable information that does not pertain to their applicable account(s). For information on how nonpublic, personally-identifiable information is used, refer to and click on the Financial Information Privacy Notice or the Medical Information Privacy Notice links located on the right side of this page.
To ensure secure communications over the Internet for its secure areas, EMCNL uses Secure Socket Layer (SSL) encryption technology to protect transmitted information from being intercepted while it is in transit over the Internet. Access to EMCNL's secure areas requires proper authentication through the entry of correct usernames and passwords. The system requires passwords to be changed once a year. Once confidential information is gathered and stored within EMCNL's systems, it is protected by firewalls and other access control systems and processes to keep it secure from unauthorized access.
Public Access Areas
EMCNL does not collect or display nonpublic, personally-identifiable information through its public access areas.
Website Visitor Data
To help us improve the content and services of our website, EMCNL gathers data from each site visit. This data allows us to determine how many people visit our website, when they visit, what pages they visit, how long they stay and the website from which they connected to our website. We do not collect nonpublic, personally-identifiable information from visits to our public access areas. For visits to our secure areas, we do collect the visitor's username and information on the services each visitor uses while logged onto our secure areas. This information helps us specifically target improvements to meet our secure areas users' needs.
Cookies
Cookies are small text files that a website loads on a visitor's hard drive or in temporary memory so the website can give the visitor additional functionality. EMCNL does not use cookies to obtain nonpublic, personally-identifiable information. EMCNL does not load cookies on a visitor's hard drive. For some of our website's services, we will load a cookie containing a session ID into the visitor's temporary, personal computer memory. The session ID allows us to keep track of visitor's transactions within a given service so that the correct responses are presented to the visitor's browser. The cookie goes away when the visitor closes his/her browser. Nonpublic, personally-identifiable information is not involved in this process.
Hyperlinks
EMCNL's website contains hyperlinks (links) to other websites, and other websites may link to this website. Websites that link to and from EMCNL's website may have different privacy practices from those of EMCNL. The privacy practices described in this notice apply solely to this website. Visitors to our website should read the privacy policy statements of the other websites they visit, understanding that those policies do not apply to this website and that EMCNL's policy does not apply to other websites.
Internet Privacy Notice Changes
From time to time, EMCNL may make changes to this notice. Visitors should revisit this notice periodically to learn of any change in our Internet privacy policy.
How To Contact Us
If you have questions or concerns regarding this Internet Privacy Notice, you may use one of the following methods to contact us. Remember to include, to the extent applicable, your name, address, and policy or claim number.
Privacy Coordinator
EMC National Life Company
P.O. Box 9202
Des Moines, Iowa 50306-9202
E-mail: privacycoordinator@EMCNL.com
Legal Notices
Disclaimer
Links to Other Sites – Limitation of Liability
For your convenience and information only, EMC National Life Company (EMCNL) provides links to other Internet sites. Because EMCNL does not have control over these sites, through your use of these links you agree that EMCNL is not directly or indirectly responsible for any liability resulting from the access or use of sites not owned by EMCNL and that EMCNL is not responsible for any content, advertising, product or any other matter or issue available through the Internet, whether linked to or from EMCNL's website.