July 8, 2019
At AgeUp ("AgeUp"), a brand of Haven Life Insurance Agency LLC ("Haven Life"), we are committed to maintaining your confidence and trust as it relates to the privacy of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, including, without limitation, our websites, interactive features, applications, and social network pages ("Platforms").
We use the terms "we", "our", "us", and similar to refer to Haven Life, Massachusetts Mutual Life Insurance Company ("MassMutual"), the AgeUp brand, and any affiliate companies and partners. We use the terms "you", "your", and similar terms to refer to the visitors to our website.
1. Information We Collect on Our Platform
Information You Provide To Us
We may collect "Personal Information" (information that can be used to identify you as an individual) such as your name, email, telephone number, home address, demographic information (such as zip code, age), payment information (such as account or credit card number), social security number, medical and health information, checking history, and account balances. The types of Personal Information we collect may vary depending on your use of the features of our Platforms. We are a licensed insurance agency and a wholly owned subsidiary of Massachusetts Mutual Life Insurance Company ("MassMutual"), and we sell products issued by MassMutual. If you are or become a customer of our parent company, MassMutual, and use our Platforms to access account or contract information, we will handle your information in accordance with MassMutual’s customer privacy notices.
Information We Collect Automatically
Usage Information. Whenever you visit or interact with our Platforms, we, as well as any third-party advertisers and/or service providers, may use a variety of technologies that automatically or passively collect information about how you accessed and used our Platforms ("Usage Information"). Usage Information may include browser type, device type, operating system, application version, the page served, the time, the preceding page views, and your use of features or applications on our Platforms. This information helps us keep our Platforms fresh and interesting to our visitors and allows us to tailor content to a particular visitor’s interests.
Device Identifier. We automatically collect your IP address or other unique identifier ("Device Identifier") for the Device (computer, mobile phone, tablet, or other device) you use to access our Platforms. A Device Identifier is a number that is assigned to your Device when you access a website or its servers, and our computers identify your Device by its Device Identifier. We may use a Device Identifier to, among other things, administer our Platforms, help diagnose problems with our servers, analyze trends, track users' web page movements, help identify you and your interests, and gather broad demographic information for aggregate use.
Cookies; Pixel Tags. The technologies used on our Platforms to collect Usage Information, including Device Identifiers, include but are not limited to: cookies (data files placed on a Device when such Device is used to visit our Platforms), mobile analytics software and pixel tags (transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which indicates that a page or email has been viewed). Cookies may also be used to associate you with social networking sites such as Facebook and Twitter and, if you so choose, enable interaction between your activities on our Platforms and your activities on such social networking sites. We, or our vendors, may place cookies or similar files on your Device for security purposes, to facilitate site navigation, to perform analytics, and personalize your experience while visiting our Platforms (such as allowing us to select which ads or offers are most likely to appeal to you, based on your interests, preferences, location, or demographic information). A pixel tag may tell your browser to get content from another server.
2. How we use the information we collect
We use the information we collect about and from you for a variety of business purposes such as to respond to your questions and requests for services; provide you with access to certain areas and features of our Platforms such as certain products and services; display purchase history information; verify your identity; communicate with you about your account and activities on our Platforms and, in our discretion, changes to any of our policies; tailor content, advertisements, and offers we serve you; improve our Platforms; comply with license obligations; and for additional purposes disclosed to you at the time you provide your Personal Information or otherwise with your consent. We may also collect your location based information for the purpose of providing you with certain services.
3. Sharing of information
Third Parties Providing Services. We may share your Personal Information with third parties who perform functions on our behalf (or on behalf of our partners) such as:
- Our affiliated companies, such as our parent company MassMutual, insurance or investment companies, insurance agencies or broker-dealers;
- Nonaffiliated companies in order to perform standard business functions on our behalf including those related to processing transactions you request or authorize, or maintaining your account or policy; service providers who host or operate our Platforms, analyze data, process transactions and payments, fulfill orders, or provide customer service; advertisers; sponsors or other third parties who participate in or administer our promotions, contests, sweepstakes, surveys, or provide marketing or promotional assistance and "powered by" partners or partners in co-branded sites. Your Personal Information may also be used by us or shared with our sponsors, partners, advertisers, or other third parties to provide you with product information and promotional and other offers.
- Credit bureau reports;
- Other financial institutions with whom we may jointly market products, if permitted in your state.
Business Transfers. We may share your Personal Information with other entities and our affiliates primarily for business and operational purposes. In the event that we are involved in a bankruptcy, merger, acquisition, reorganization, or sale of assets, your information may be sold or transferred as part of that transaction.
Please note that any Personal Information consisting of medical or health information is only shared with third parties to perform business, professional, or insurance functions on our behalf or as authorized by you.
4. Information we receive from third parties
We may receive information about you from third parties such as consumer or other reporting agencies and medical or health care providers; or through your interactions with our affiliated companies. In addition, if you are on another website and you opt-in to receive information from us, the other website will submit to us your email address and other information about you so we may contact you as requested. You may also choose to participate in a third party application or feature (such as one of our Facebook or Twitter applications or a similar application or feature on a third party website) through which you allow us to collect (or the third party to share) information about you, including Usage Information and Personal Information. This might include lists of your friends, "likes", comments you have shared, groups, location, and other similar information. Services like Facebook Connect give you the option to post information about your activities on our Platform to your profile page to share with others within your network. In addition, we may receive information about you if other users of a third party website give us access to their profiles and you are one of their "connections", or if information about you is otherwise accessible through your "connections'" web page, profile page, or similar page on a social networking or other third party website or interactive service. We may supplement the information we collect about you through our Platforms with such information from third parties in order to enhance our ability to serve you, to tailor our content to you, and/or to offer you opportunities to purchase products or services that we believe may be of interest to you.
5. Your privacy rights, choice, and access
You control the Personal Information that you provide to us on our Platforms, but some Personal Information is required by us in order for you to obtain services from us or for you to use our Platforms. If you choose not to provide us with your Personal Information on our Platforms, you may not be able to take advantage of some of the services we offer or use some functionality on our Platforms. Except as provided above in section 3, we will not share Personal Information collected on our Platforms with third parties without your consent. You may also direct us to stop sending you promotional emails by following the removal instructions in a communication you receive from us. Your opt-out request will be processed within 10 business days of the date on which we receive it.
6. Advertising; how to opt-out
If you do not want to receive the benefits of targeted advertising, you may opt-out of some network advertising programs that use your information by visiting the NAI Opt-Out page at http://networkadvertising.org/managing/opt_out.asp. Please note, even if you choose to remove your information, you will still see advertising when you are browsing online. However, the advertisements you see may be less relevant to you and your interests.
Our Platforms are not directed to children under 13. We do not knowingly collect, use, or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her Personal Information without the parent/guardian's consent. If we become aware that we have unknowingly collected personally identifiable information from a child under the age of 13, we will make reasonable efforts to delete such information from our records.
8. Security of your information
We take information security seriously and use certain reasonable security measures to help protect your Personal Information. We apply physical, electronic, and procedural safeguards to protect your Personal Information from unauthorized access. We provide training to our employees on how to safeguard Personal Information and only authorized employees are permitted to access personal information, which may only be used for permitted business purposes. We contractually require service providers to protect your Personal Information and use it exclusively for the purpose of performing certain business functions on our behalf. However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note, we cannot ensure or warrant the security of any information you transmit to us, and you use our Platforms and provide us with your information at your own risk.
9. Other sites
Our Platforms may contain links to other sites that we do not own or operate. This includes links from advertisers, sponsors, and/or partners that may use our logo(s) as part of a co-branding or co-marketing agreement. We do not control, recommend, or endorse and are not responsible for these sites or their content, products, services, or privacy policies or practices. These other sites may send their own cookies to your Device, they may independently collect data or solicit Personal Information, and may or may not have their own published privacy policies. You should also independently assess the authenticity of any site which appears or claims that it is one of our Platforms (including those linked to through an email or social networking page).
11. Consent to processing and transfer of information
Our website is governed by and operated in, and in accordance with the laws of the United States. We make no representation that our website is governed by or operated in accordance with the laws of any other nation. By using our website, or providing us with any information, you (a) acknowledge that our website is subject to the laws of the United States, (b) consent to the collection, processing, maintenance, and transfer of such information in and to the United States and other applicable territories in which the privacy laws may not be as comprehensive as or equivalent to those in the country where you reside and/or are a citizen, and (c) waive any claims that may arise under those laws.
12. Contact us
Haven Life Insurance Agency, LLC
60 Madison Avenue, 12th Floor
New York, NY 10010