Privacy Policy

Protecting your privacy is important to Group Benefits, Inc.  We value the trust you have placed in us, and your continued confidence is important to us.  As you review our policy, please remember that:

• We make safeguarding the information we gather about you a priority.
• We maintain security practices to keep personal information about you safe.
• We do not sell or share customer information with unrelated companies so that they can market their products to you.
• When we believe that an unrelated company offers products or services that would be of interest to you, we may communicate to you about them.  These companies will not learn about your relationship with us unless you respond to their offer.
• When it comes to privacy, we believe that you have the right to make meaningful choices.  If you tell us not to do so, we will not call, or send direct mail to you, for additional products or services.
• We will provide you with helpful information about privacy and information security.

Our policy applies to personal information, which is nonpublic information about you that we obtain in connection with providing a financial product or service.

1.        Types of Information We Gather

We may gather the following types of personal information about you:

A.       Information about your identity, such as your name, address and social security number;

B.       Information about your transactions with us, our affiliates or others;

C.       Personal credit information we receive from you on applications, such as your assets and income; and/or

D.       Other information from outside sources that is gathered for the purpose of determining eligibility for a product or service.

2.        What Information We Share

We explain your right to choose how we share personal information about you. Subject to your choices to limit sharing, we may share all of the information we gather with:

A.       Our “affiliates” (i.e., Health, Dental & Travel Insurance Companies) that offer financial products and other services, including those identified in this privacy policy and our administrative or service units that perform functions, such as servicing your accounts or preparing your account statements.

B.       Unrelated companies that work for us, including:  Companies that perform support services to us, such as data processors, technical systems, consultants and programmers, or companies that help us market products and services to you.  All such companies that act on our behalf are contractually obligated to keep the information we provide them confidential and to use the information we share only to provide the services we ask the to perform for us.

C.       Companies and other entities as permitted by law.

3.        We Protect the Confidentiality and Security of the Information We Gather

We restrict access to personal information about you to those employees we believe need to know that information to provide products and services to you.

Additional Matters

1.        We may, from time to time, contact you at an email address belonging to you to tell you of changes or updates to our site, www.grpbenefits.net.  In addition, we may contact you at an email address belonging to you to inform you of products and services we think may be of interest to you.  At any time, you may ask us to stop sending promotional information to that email address by simply replying to our email, and telling us of your preference.

2.        Each insurance company that we work with will have their own privacy policy listed on their web pages.  If you have any questions or concerns about a privacy policy send a written letter to Group Benefits, Inc., 21 Nob Hill Drive, Lower Level, St. Louis, MO 63138.