Last Updated: February 4, 2024. American Retirement Group, Inc., is committed to providing you, our customers, with outstanding products and services while protecting your personal information. This Privacy Notice applies to the website of American Retirement Group, Inc. This Privacy Notice describes the information we collect on the Site and through the Services, and how we use and protect that information. Depending on how you interact with us, and the products and services you obtain from us (collectively “Products”), additional privacy practices and disclosures may also be applicable. We will limit sharing of your data to the extent required and in accordance with these additional notices. If you are a resident of California, please see our Additional Notice for California Residents, which provides information about your privacy rights.
Collection and Use of Information
We collect data about you from a variety of sources, including the following:
- Information we receive from you. We may collect information we receive from you at the Site or in connection with your use of Services or Products, including on applications, online forms, and other communications. For example, we collect information from you when you:
- purchase or request a quote for a Service or Product
- manage, update or ask questions about a Service or Product
- request information from us
- make data available to us via social networking logins
In connection with administering and delivering our Products and Services, this data may include your first and last name, home or other physical address, phone number, email address, social security number, date of birth, employment information, assets, income and debt, banking data, driver’s license numbers and other data, such as passport number, Medicaid or Medicare information, marital status, other identifiers which may allow you to be contacted physically or online, and other information concerning you that we collect from you online which may, alone or in combination with other data, identify you.
- Information about your transactions. We may collect information about your transactions with us, our affiliates or others, such as your account balances and payment history.
- Information from third party sources. We may collect information about you from reporting agencies, including your credit history and creditworthiness, or from companies that collect or analyze information about consumers or users, such as demographic data, or data provided from sources that you have authorized to share such data with us, either on our Site or via third party applications or websites.
- Combined Data. We may combine the data we collect from you with information from other sources.
Purposes of Collection.
We may use data we collect for a variety of purposes, including the following:
- To operate our business
- To provide Products and Services to you
- To provide customer support
- To evaluate your eligibility for Services and Products
- To communicate with you about the Products and Services we provide to you, including sending you required disclosures, updates to terms and conditions and messages regarding your account, such as security alerts and verification requests
- To develop and evaluate products and services
- To conduct internal research
- To deliver content and marketing communications that we think may interest you
- To comply with law and satisfy our compliance obligations
- To detect and prevent fraud and other prohibited or illegal activity
- To audit and provide reporting relating to particular transactions and interactions, including online interactions, you may have with us or others on our behalf
- To provide you with advertising, search results, and other personalized content
- For other purposes permitted by law or to which you consent
We may use data that we collect on an aggregate or anonymous basis (such that it does not identify any specific individual) for various business purposes, where permissible under applicable laws and regulations.
Information We May Disclose or Share
We may share your information within our corporate family and with third parties as permitted or required by law, or as directed or authorized by you. For example, we may disclose your information to:
- Marketing Service Providers and Joint Marketing Partners, including companies that perform marketing services for us, or for us and other financial institutions jointly, as well as other financial institutions with which we have joint marketing agreements. Our joint marketing partners agree to keep your information confidential.
- Third-Party Service Providers that we have engaged to help deliver our Services and Products to you, and that have agreed to keep your information confidential.
- With banking regulators, law enforcement, governmental authorities, as requested, required, or permitted by law to protect our rights and the rights of others or, in our discretion, to prevent fraud, harm, or loss to you, ourselves, or others.
- With auditors, legal counsel and other third parties in order to comply with our obligation or protect our interests, property or legal rights, or those of our customers or other third parties.
- With consumer reporting agencies and fraud detection service providers.
Protection of Information
We maintain policies and procedures to protect the security of your information and to safeguard against unauthorized access to or use of your data. Of course, despite these measures, no network or system is ever entirely secure, and we cannot guarantee the security of networks and systems we operate or that are operated on our behalf.
