The Archer's Group and it's member companies in the U.S. take your privacy
very seriously. We share a commitment to protect your privacy and the
confidentiality of your personal and financial information.
As providers of products and services that involve compiling personal—and
sometimes, sensitive—information, protecting the confidentiality
of that information has been, and will continue to be, a top priority
throughout The Archer's Group and it's member companies. We believe that you should know about the
information we collect, the measures we take to safeguard it, and the
situations in which we might share information with select business partners.
This notice explains how The Archer's Group and it's member companies handle—and protect—the
personal information we collect. "The Archer's Group and it's member companies " or "The Archer's Group.
" refers to The Archer's Group and it's member companies in the U.S. listed at the end
of this notice.
The information we collect and the extent to which we use it will vary
depending on the product or service involved. In fact, in certain cases,
we may not collect or share some of the types of information noted below.
For example, in a number of cases The Archer's Group has an agreement with
distributors or plan sponsors that limits the sharing of information about
its customers with any other company, even if that company is The Archer's Group's affiliate.
These agreements continue to be honored.
Our privacy promise derives from basic principles of trust, ethics and
integrity:
1. We collect only the customer information necessary to consistently
deliver responsive products and services.
The Archer's Group and it's member companies collect information that helps serve your financial
needs; provide high standards of customer service; develop and offer new
products or services for our customers and potential customers; and fulfill
legal and regulatory requirements. The information collected generally
varies depending on the products or services you request and may include:
- Information provided on applications and related forms—for
example, name, address, Social Security number, and annual income.
- Responses from your employer, benefit plan sponsor, or association
regarding any group products we may provide—for example, name,
age, address and Social Security number.
- Third-party reports, such as consumer credit history, motor vehicle
records, demographic and/or medical information, if relevant to your
product or service.
- Information about your relationships with us, such as products or
services purchased, and account balances (if applicable), which we may
obtain in writing, during telephone or Internet transactions or from
data gathering software used when you are accessing The Archer's Group Web sites.
2. We maintain safeguards to ensure information security.
We have implemented security standards and processes—including physical,
electronic and procedural safeguards—to ensure that access to customer
information is limited to employees, registered representatives or agents
who may need it to do their job. They are required to respect the confidentiality
of all customer information.
3. We limit how, and with whom, we share customer information.
First and foremost, we do not sell lists of our customers, nor do we disclose
customer information to marketing companies outside The Archer's Group,
with the exception of companies we may hire to provide specific services
for us, as described below.
Under no circumstances do we share medical information for marketing
purposes.
We will share customer information only for the following reasons:
When you have requested a life insurance product, The Archer Group's life insurance
companies may use a common application to avoid multiple medical tests;
in this way, the information you provide and authorize us to obtain may
subsequently be used by one or all of these companies as necessary to
determine—and offer to you—the product most appropriate for
your needs.
We may be required by law or regulation to disclose information to third
parties—for example, in response to a subpoena, to prevent fraud,
and to comply with rules of, or inquiries from, industry regulators.
In some cases, we may share information we collect—for example,
name, address, age, and Social Security number—with other Archer Group's businesses
such as our securities broker-dealers, our insurance companies and agencies,
or our banks to process or service a transaction you have requested, to
facilitate enhanced customer services, or to inform you of The Archer Group's products
or services you may find useful. In a few cases, one of The Archer Group's business not listed
in this notice may have a privacy policy that differs from the one stated
in this notice. If that is the case, you will receive a separate privacy
notice from The Archer Group's business if you are a customer. The agent or registered
representative with whom you work to obtain any products and
services may use the personal information about you in his or her own
files to advise you of other products or to help you with your overall
financial strategy.
Except for reinsurance transactions with an affiliated company, The Archer Group
company will not share information about you with another Archer Group's
that may be used to make insurance underwriting or lending decisions about
you, unless you direct us to or unless we tell you first and give you
a chance to say no.
Furthermore, as permitted by federaland state laws, we may share or
exchange information with companies engaged to work with us, such as:
- Third-party administrators and vendors hired to effect, administer
or enforce a transaction that you request or authorize; to develop or
maintain software; or to perform marketing research.
- Financial services entities, such as banks, credit unions, credit
union service corporations, insurance companies, or securities broker-dealers,
with which we have joint marketing agreements; and vendors who provide
us with demographic information to develop marketing plans. The information
we may share is described in section 1.
- Reputable consumer reporting agencies in connection with your application
or renewal of insurance coverage.
Other than what is described previously, we won’t share information
about you with third parties to market products to you, unless we tell
you about it first, and give you a chance to say no.
We uphold these privacy principles throughout The Archer Group companies and
with our business partners. Companies with which we share customer information
are required to maintain the confidentiality of that information.
We will reaffirm this policy annually in writing, as long as you maintain
an ongoing relationship with any of The Archer Group's companies. While this policy
may change from time to time, you can always review our current policy
online at www.archersgroup.com.
In this notice of our Privacy Promise, the words "you"
and "customer" are used to mean any individual who obtains or
has obtained a financial product or service from The Archer Group company that is
to be used primarily for personal, family or household purposes.
Following is a list of The Archer Group's companies that this notice applies to,
as of January 1, 2004:
Archer's Financial.
Archer's Insurance Solutions.
Archer's Tours and Travel.
Archer's Pharmaceuticals.
Archer Networks.
Archer's Medical Network
Archer's Domains.
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