Omaha National Group, Inc. and its subsidiaries and affiliated companies (collectively “Omaha National” “Company” or “We”) respect your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website omahanational.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Please contact an independent insurance agent or broker who represents Omaha National to discuss specific coverage details and your insurance needs. Not all policies or coverages are available in every state.

 

Acknowledgments

At Omaha National, we value you as a customer. We take your personal privacy seriously.

• We do not sell your personal information, so there is no need to “opt out.”
• We may use your information to tell you about our products and services.
• We may use your information as permitted by law.
• Anyone who sees your information must keep it private.
• We do not share your medical information except as allowed by law.
• We only share insurance information in response to a request with your designated agent/broker of record as permitted by law.

This policy applies to information we collect:

1. On this Website.
2. In email, text, and other electronic messages between you and this Website.

It does not apply to information collected by:

1. Us offline or through any other means, including on any other website operated by Company or any third party; or
2. Any third party, including through any application or content (including advertising) that may link to or be accessible from the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is to not use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

 

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information to the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at privacy@omahanational.com

 

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

1. By which you may be personally identified, such as name, postal address, email address, and telephone number (“personal information”);
2. About your internet connection, the equipment you use to access our Website and usage details.

We collect this information:

1. Directly from you when you provide it to us.
2. Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies.

The information we collect on or through our Website may include:

1. Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website or requesting further services. We may also ask you for information when you report a problem with our Website.
2. Records and copies of your correspondence (including email addresses) if you contact us.

 

Information We Collect Through Automatic Data Collection Technologies  

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

1. Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
2. Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information, or we may associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

1. Estimate our audience size and usage patterns.
2. Store information about your preferences, allowing us to customize our Website according to your individual interests.
3. Speed up your searches.
4. Recognize you when you return to our Website.

 

Cookies

The technologies we use for this automatic data collection may include browser cookies. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

 

Web Beacons

Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

 

Third-Party Use of Cookies

Some content or applications, including advertisements, on the Website are served by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

 

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

1. To present our Website and its contents to you.
2. To provide you with information, products, or services that you request from us.
3. To fulfill any other purpose for which you provide it.
4. To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
5. To notify you about changes to our Website or any products or services we offer or provide though it.
6. In any other way we may describe when you provide the information.
7. For any other purpose with your consent.

 

Disclosure of Your Information

We may disclose aggregated information about our users without restriction. We may disclose personal information that we collect, or you provide as described in this privacy policy:

1. To our subsidiaries and affiliates.
2. To contractors, service providers, and other third parties we use to support our business.
3. To fulfill the purpose for which you provide it. 
4. For any other purpose disclosed by us when you provide the information.
5. With your consent.

We may also disclose your personal information:

1. To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
2. To enforce or apply our terms of use /terms-of-use/ and other agreements, including for billing and collection purposes.
3. If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. 

 

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

 

Tracking Technologies and Advertising. 

You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

 

Promotional Offers from the Company. 

If you do not wish to have your contact information used by the Company to promote our own products or services, you can opt-out by emailing us at privacy@omahanational.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. 

 

Trademark Use

The trademarks, logos, and service marks (“marks”) displayed on the website are owned by Omaha National Group and its affiliates and may not be used without permission.

 

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy at this location. You are responsible for periodically visiting our Website and this privacy policy to check for any changes.

 

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: privacy@omahanational.com

 

California Privacy Policy

This privacy policy explains how Omaha National Group, Inc. and its subsidiaries and affiliated companies (collectively “Omaha National” “Company” or “We”) that operate within the United States collect, use, disclose, maintain, and protect information we collect when you use our website and services.  We are providing this notice in accordance with the California Consumer Privacy Act of 2018 (CCPA).  This policy applies solely to natural persons who are residents in the State of California (“Consumers” or “you”).  Please note that if you are an employee or job applicant of Omaha National, you may not have all the rights described below (such as the right to request deletion and the right to request categories of personal information).  All Omaha National employees should review the Employee handbook for further guidance on their CCPA rights.  

 

Information we collect:

In providing our products to you, we collect information about you. We may share this data for business and legal reasons. We may collect the following personal information:

• Your name
• Address
• Email address
• Telephone number
• Social security number
• Other personal information
• Most of the data we collect about you comes from you, your application, your agent, or broker.
• We get data from your transactions with us. For example, the insurance you purchase, your account balances and your payment history.
• We may also get data from consumer reports. This includes claim history reports, motor vehicle reports or credit reports.

Omaha National only shares your personal information as allowed by law.

 

We may share your information with:

• Affiliates for regulatory reasons.
• Insurance agents or brokers.
• Brokers, agents, or other insurers to respond to your application for commercial business insurance.
• Reinsurance companies or claims administrators.
• Insurance regulators or law enforcement officials.
• Lienholders, assignees, lessors, or other persons having a beneficial or legal interest in the policy.
• Others to prevent fraud, respond to a subpoena or search warrant.
• Companies that provide motor vehicle reports, credit reports or claims history.
• Medical providers or others providing services covered by your policy.
• Contractors, service providers, and other third parties who require such information to support our business.
• For commercial business we may share your applications with brokers, agents or other insurers to respond to your application for insurance.

We have not sold personal information about consumers in the last 12 months.

 

Use of personal information:

“Personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include publicly available information. 

Please note, personal information for the purposes of this privacy policy does not include that which is lawfully made public, deidentified, aggregated or the following:

• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

 

We may collect the following categories of your personal information:

• Personal identifiers: a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
• Personal information under Cal. Civ. Code § 1798.80(e): a name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
• Characteristics of protected classifications under Federal and California law: race, color, ancestry, national origin, religion, gender (including pregnancy, childbirth, or related medical conditions), disability, age (40 and older), genetic information, marital status, sexual orientation, gender identity and gender expression, AIDS/HIV status, medical conditions, political activities or affiliations, military or veteran status, and status as a victim of domestic violence, assault, or stalking.
• Commercial information: records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
• Biometric information: physiological, biological, or behavioral characteristics that can be used, singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.
• Internet or other electronic network activity information: browsing history, search history, information regarding interaction with a website, application, or advertisement, and other similar information.
• Geolocation data: physical location.
• Sensory data: audio, electronic, visual, thermal, olfactory, or similar information.
• Professional or employment-related information: job history or other employment information.
• Education information: non-public education information as defined in 20 U.S.C. § 1232g, 34 C.F.R. Part 99, such as transcripts, grades, class schedules, financial aid, or other records, files, documents, or materials containing non-public information directly related to a student and maintained by an educational agency or institution.
• Inferences drawn from other categories of personal information: to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
• Payroll Information:  hourly pay rate/salary information, tax withholdings, payroll deductions and workers compensation classification information.
• Claim Data: information about your past and present claim(s), which may include health information and/or other personal data.

We collect the personal information above from the following category of sources, either directly or indirectly:

Directly

• Policy applications
• Insurance claims
• Correspondences
• Transactions
• Website

Indirectly

• Agents or brokers
• Credit bureaus
• Other insurance companies
• Government agencies
• Third parties

 

Use of personal information

We use the personal information we collect about you for the following business purposes:

• As permitted by law.
• To inform you of and provide services and products to you that you request from us.
• To fulfill the reason for which the personal information was provided.
• To present our website and contents to you.
• To notify you about changes to our website, policies, products, or services.
• Fraud detection and prevention.

 

Sharing of personal information          

Omaha National may share your personal information with third parties for a business purpose. In the past 12 months, Omaha National has disclosed the following categories of personal information for a business purpose:

• Identifiers
• Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
• California protected classifications
• Commercial information
• Internet or other electronic network activity
• Geolocation data
• Sensory data
• Professional or employment-related information
• Inferences drawn from any of the information listed above.
• Payroll data
• Claims data

 

Sale of personal information

In the preceding twelve (12) months Omaha National has not sold personal information.  Omaha National does not sell personal data.  

 

Non-discrimination

The right to be free from discrimination for exercising your rights under the California Consumer Privacy Act. Omaha National does not discriminate against California residents for exercising their rights under the CCPA by:

• Denying you goods or services.
• Charging you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Providing you a different level or quality of goods or services.
• Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

 

How to submit a request

To exercise any of your rights described in this California Consumer Privacy Act Policy, please submit a request to us by contacting us via one of the following methods:

• Phone: (844) 761-8400
• Email: privacy@omahanational.com 

 

Our process to verify your request

We will contact you to collect additional information to verify your identity.  Depending on the nature of the request, we will require you to provide either two or three pieces of information to allow us to verify that you are the person about whom we collected personal information. We may also require you to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. 

Any information we collect for purposes of verifying your identity will not be used for any other purpose. If we are unable to verify that you are the person about whom we collected personal information, or that you have authority to make the request on that person’s behalf, we will notify you that we will not be able to respond to your request.

We will work to respond to your request within 45 days of the date you submit it.  If we require additional time, we will notify you of the extension in writing.

We will not respond to more than two requests from the same consumer in any 12-month period.

 

Right to review & correct personal information

A consumer may review personal information we have gathered about the consumer. The consumer may send a letter to: Chief Privacy Officer, PO Box 451139, Omaha, NE 68145.  The consumer may also submit a request by submitting their information via the following methods:

• Phone: (844) 761-8400
• Email: privacy@omahanational.com

The request should include name, address, phone number, policy number and describe the records that the consumer wants to review. Upon receipt of this request, we will review our records and inform the consumer if we have the information sought and if it is reasonably locatable and retrievable. If it is, the consumer may review the information in person or request that we mail them a copy. We will disclose to the consumer who else received the information in the past two years or who would normally have received it in the past two years. We may charge the consumer a fee.

 

Notice of Protections for Victims of Domestic
Violence/Endangered Individuals Under §2612 of the New York Insurance
Law

Summary of §2612
New York Insurance Law §2612 provides victims of domestic violence, including privacy protections and protections from discrimination, each of which is described below.

New York Insurance Law requires insurance companies to withhold from a policyholder the address and phone number of a domestic violence victim who is covered by an insurance policy, if a valid order of protection from a New York court is provided to the insurance company. If a child is the subject of the order
of protection, identifying information about the child and victim parent will also be protected.

In addition, the New York Insurance Law provides that the fact that a person is or has been a victim of domestic violence cannot be used as an underwriting criterion which include the following:

1. Refusing to issue, renew, deny, or cancel any insurance policy or contract.
2. Demanding or requiring a great premium or payment from any person.
3. Designating domestic violence as a preexisting condition for which coverage will be denied or reduced.
4. Using the fact that a person is or has been a victim of domestic violence as an underwriting criterion.

If you have an order of protection against a policy holder or any other person covered by us, and/or you are also covered by the policy, you may send the order of protection to the following:

• Email: privacy@omahanational.com

• US Mail: Consumer Privacy, PO Box 451139, Omaha, NE 68145

Upon the company’s receipt of a valid protection order, the applicable policy will be marked as a confidential policy. Any confidential information will be removed prior to the release of any correspondence.

To contact the New York State Domestic and Sexual Violence Hotline, please call 800-942-6906 (English) or 800-942-6908 (Spanish).