Privacy Policy | Homesteaders Life Company

Scope of This Policy

This privacy policy (this “Policy”) details Homesteaders Life Company’s and any subsidiary (collectively, “Homesteaders,” “we,” “us,” and “our”) policies with respect to the handling of your individually identifiable information (“Personal Information”) about individuals (collectively, “you” or “your”) who use our website, https://www.homesteaderslife.com, and any other online or offline services we may offer (collectively, our “Site”).

Your Consent

Please take a few minutes to review this Policy before using this Site. By using this Site, you are consenting to the practices set forth in this Policy together with our State Supplemental Privacy Policy and Terms of Use. If you do not want us to collect, use, or disclose Personal Information about you as described in this Policy, then please do not use or access our Site.

This Policy is Part of Our Terms of Use

This Policy is part of the Terms of Use that govern your use of this Site.

Our Terms of Use include an Arbitration Agreement, which will govern any dispute between you and us. Unless you opt out as described in the Terms of Use, this Arbitration Agreement will:

Eliminate your right to a trial by jury; and

Substantially affect your rights, including preventing you from bringing, joining, or participating in class or consolidated proceedings.

1. Types of Information We Collect

We collect the following categories of Personal Information:

Contact details, such as name, account name, email address, postal address, and telephone number
Insurance Information, including insurance policy number or end-of-life insurance information
Financial Information, including bank account number, credit card number, debit card number, or any other financial information that does not allow access or withdrawal of funds
Characteristics of protected classifications under state or federal law, such as age, gender, and marital status
Audio/electronic recordings, such as recordings of customer service calls
Geolocation data, such as device location
Internet or other network information, such as internet protocol address, browser type, browser version, and other unique identifiers, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages, and the content you have accessed
Inferences drawn from any of the information listed above to create a profile about you reflecting your preferences, characteristics, behavior, and attitudes

2. Sources of Personal Information

We collect Personal Information about you in three ways: (1) information you provide when you interact with us; (2) information collected from other sources, such as from our vendors and from third parties, in connection with our Site; and (3) information passively collected from you when using our Site.

Directly From You. We collect Personal Information you provide to us when you use our website or when you otherwise interact with us.
From Vendors & Third Parties. We also collect Personal Information from our vendors and from third parties who disclose Personal Information to us.
Via Cookies & Other Tracking Technologies. We collect Personal Information passively via cookies and other tracking technologies (“Cookies”). We use Cookies to collect Personal Information and support certain features of this Site. We may also use Google Analytics, a web analytics tool that helps us understand how visitors engage with our Site. To learn more about Google Analytics, click here.

3. How We Use Personal Information Collected Through This Site

Generally, we collect, process, and disclose the Personal Information we collect:

to provide the information, products, and services you request, such as by considering your application, completing transactions or processing claims;
to process payment information;
to provide you with effective customer service and account management;
to provide you with a personalized experience when you use this Site;
to comply with licensing requirements;
for security or fraud prevention purposes;
to contact you with information and notices related to your use of this Site;
to contact you with special offers and other information we believe will be of interest to you (in accordance with any privacy preferences you have expressed to us);
to invite you to participate in surveys and provide feedback to us (in accordance with any privacy preferences you have expressed to us);
to better understand your needs and interests;
to improve the content, functionality and usability of this Site;
to improve our products and services, including to perform research that will help us design future products;
to improve our marketing and promotional efforts; and
for any other purpose identified in an applicable privacy notice, click-through agreement or other agreement between you and us.

We may also deidentify any Personal Information we collect about you. When we do so, we take reasonable measures to ensure that the information cannot be associated with a consumer or household, and we maintain and use the information in deidentified form. We will not attempt to reidentify the information, except that we may attempt to reidentify the information solely for the purpose of determining whether our deidentification processes satisfy applicable legal requirements. After it has been deidentified, the information is no longer Personal Information and is not subject to this Policy.

4. How We Share Information With Others

We disclose the categories of Personal Information listed in the “Types of Personal Information We Collect” section, above, in the following contexts:

With Affiliates and Vendors. We may share Personal Information collected to our affiliates and to vendors who act on our behalf. For example, we may use vendors to design and operate this Site; to conduct surveys; to help us with our promotional efforts; and to help us design future products. We impose contractual limitations on our vendors’ use of Personal Information they collect in conjunction with providing services to us.
To Third Parties for Marketing & Analytics Purposes. We may disclose your Personal Information to third parties who process Personal Information for their own purposes, including marketing and analytics companies. This primarily includes disclosures of IP addresses and related web browsing information via Cookies.
To Third Parties for Funeral Goods and Services. If you are a member of our Site, we may disclose information about you to third parties such as broker-dealers, insurance producers or agents, reinsurers, funeral homes, consumer reporting agencies, or persons acting in a fiduciary or representative capacity relating to you.
In Aggregate or De-Identified Form. We may aggregate or de-identify the Personal Information we collect, and we may disclose aggregated and/or de-identified Personal Information to our vendors, and to third parties for our business operational purposes and for any other purposes permitted by applicable law.

We may also disclose Personal Information in the following contexts:

As Part of a Business Transfer. Your Personal Information may be transferred to successor organizations if, for example, we transfer the ownership or operation of this Site to another organization if we merge with or are acquired by another organization, or if we liquidate our assets. If such a transfer occurs, the successor organization’s use of your Personal Information will still be subject to this Policy and the privacy preferences you have expressed to us.
To Comply With Laws and Protection of Our Rights and the Rights of Others. We may disclose your Personal Information when we, in good faith, believe disclosure is appropriate to comply with the law, a court order or a subpoena. We may also disclose your Personal Information to prevent or investigate a possible crime, such as fraud or identity theft; to protect the security of this Site; to enforce or apply our Terms of Use or other agreements; or to protect our own rights or property or the rights, property or safety of our users or others.
As Described in a Privacy Notice or With Your Consent. We reserve the right to disclose your Personal Information as described in any privacy notice posted on this Site, or as described in any click-through agreement to which you have agreed.

Sharing excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Steps We Take to Safeguard Your Personal Information

We maintain reasonable administrative, physical and technological measures to protect the confidentiality and security of Personal Information you submit. Unfortunately, no website, server or database is completely secure or “hacker proof.” We therefore cannot guarantee that your Personal Information will not be disclosed, misused or lost by accident or by the unauthorized acts of others. Further, we cannot control dissemination of Personal Information you post on or through this Site using any social networking tools, and you should have no expectation of privacy in such Personal Information.

6. Retention of Personal Information

We will retain your Personal Information only for the period necessary to fulfill marketing or service-related communications or until you request to have your Personal Information deleted (unless we have a legitimate reason or are required by law to retain it).

7. Children Under the Age of Eighteen

This Site is not intended for children or minors under the age of eighteen years without the permission of a parent or guardian. If you believe that a child has submitted Personal Information on or through this Site without the consent and supervision of a parent or guardian, please contact us using the information provided below so that we can take appropriate action.

8. Links to Other Sites

This Site may provide links to other websites operated by third parties. We do not control these websites and are not responsible for their data practices. Any Personal Information you provide to third parties on their websites is covered under their privacy and data collection policies and is not covered by this Policy. We urge you to review the privacy policy posted on any site you visit before using the site or providing any Personal Information.

9. This Policy May Change

We are continually improving and adding to the features and functionality of this Site and the services we offer. As a result of these changes (or changes in the law), we may need to update or revise this Policy. If we decide to change this Policy, we will notify you by posting the revised Policy on our Site or in a manner through which we regularly interact with you, and by providing any additional notice as required by applicable law. On return visits to our Site, please remember to review the Policy which may have changed.

You may access the current version of this Policy at any time by clicking the link marked “Privacy Policy” at the bottom of each page of this Site.

10. Contact Us

If you have any questions regarding this Privacy Policy, please contact us at:

Homesteaders Life Company, c/o Privacy Request
5700 Westown Parkway
Des Moines, Iowa 50266

You may also call us at 888-312-9018 or email us at privacyrequest@homesteaderslife.com.

Scope of This Policy

This supplemental privacy policy (this “Supplemental Policy”) details how Homesteaders Life Company and any subsidiary (collectively, “Homesteaders,” “we,” “us,” and “our”) collect, use, and disclose Personal Information about residents of California and other states that have enacted comprehensive privacy legislation that applies to us (collectively, “U.S. Privacy Laws”). This Supplemental Policy applies to Personal Information we collect through our website, https://www.homesteaderslife.com, and any other online or offline services we may offer (collectively, our “Site”). It pertains to Personal Information we collect about individuals who have signed up for or otherwise interact with our Site (collectively, “you,” “your,’ “Users”), and it explains how our Users can exercise their privacy rights under U.S. Privacy Laws. Some portions of this Supplemental Policy apply only to residents of particular states. In those instances, we have indicated that such language applies only to those residents.

Please note that this Supplemental Policy does not apply to Personal Information we collect about consumers that is exempt from the U.S. Privacy Laws, including Personal Information that is subject to the Health Insurance Portability and Accountability Act (“HIPAA”), the Gramm-Leach-Bliley Act (“GLBA”), or that is otherwise exempt from the U.S. Privacy Laws. Please note that this Supplemental Policy does not apply to individuals with whom we interact in an employment-related or business contact context. For our disclosures applicable to California residents with whom we interact in those contexts, please see our [California Business Contact Privacy Policy] [California Employee /Applicant Privacy Policy].

If you have a disability and need to access this policy in an alternative format, please contact us at privacyrequest@homesteaderslife.com.

Definitions

“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 also includes “Sensitive Personal Information” that we specifically describe in this Supplemental Policy.
“Sell,” “Sale,” or “Sold” means renting, releasing, or transferring an individual’s Personal Information to a Third Party for money or other valuable consideration.
“Share,” “Shared,” or “Sharing” means transferring an individual’s Personal Information to a Third Party for cross-context behavioral advertising or targeted advertising purposes, whether or not for money or other valuable consideration.
“Third Party” means any non-affiliated person that is not a Vendor.
“Vendor” means a service provider, contractor, or processor which collects, stores, or otherwise handles data for us and is bound by contractual obligations to use your Personal Information only as directed by us.

You may be familiar with different terms that are used to describe materially similar concepts in this section by the U.S. Privacy Laws in your state of residence. You can treat them as the same for the purpose of our Supplemental Policy. For example, we intend the term “Personal Information” here to have the same definition as “Personal Data” used in specific U.S. Privacy Laws.

1. Types of Information We Collect

We, and our Vendors, collect, and have collected in the past 12 months, the following categories of Personal Information about you:

Contact details, such as name, account name, email address, postal address, and telephone number
Audio/electronic recordings, such as recordings of customer service calls
Geolocation data, such as device location
Internet or other network information, such as internet protocol address, browser type, browser version, and other unique identifiers, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages, and the content you have accessed
Inferences drawn from any of the information listed above to create a profile about you reflecting your preferences, characteristics, behavior, and attitudes

We do not collect sensitive Personal Information that is subject to the California Consumer Privacy Act.

2. How We Use Personal Information Collected Through the Site

We, and our Vendors, collect, process, and disclose the Personal Information described in this Supplemental Policy to:

to provide the information, products, and services you request;
to process payment information;
to provide you with effective customer service;
to provide you with a personalized experience when you use this Site;
to contact you with information and notices related to your use of this Site;
to comply with licensing requirements;
for security or fraud prevention purposes;
to contact you with special offers and other information we believe will be of interest to you (in accordance with any privacy preferences you have expressed to us);
to invite you to participate in surveys and provide feedback to us (in accordance with any privacy preferences you have expressed to us);
to better understand your needs and interests;
to improve the content, functionality and usability of this Site;
to improve our products and services, including to perform research that will help us design future products;
to improve our marketing and promotional efforts; and
for any other purpose identified in an applicable privacy notice, click-through agreement or other agreement between you and us.

We also do not process Personal Information for purposes of profiling or to engage in automated decision making in furtherance of decisions that produce legal or similarly significant effects (which means a decision that results in the provision or denial of financial or lending services, housing, insurance, education enrollment or opportunity, criminal justice, employment opportunities, health-care services, or access to essential goods or services).

3. Sale, Sharing, & Targeted Advertising

We sell, share, and process for targeted advertising purposes Personal Information collected via cookies and other tracking technologies (collectively, “Cookies”) regarding your interactions with our Site, and we have sold and shared such Personal Information in the past 12 months. We may sell and share such information to third parties, such as marketing and analytics providers, for the following purposes: to market and advertise our products and services, and for data analytics, including to better understand our audiences, evaluate interest in our Site, and improve our Site. We do not otherwise “sell,” “share,” or process for “targeted advertising” purposes other types of Personal Information we may collect about you.

To opt out of sale and sharing of your Personal Information, click “Decline All” on our cookie banner. Alternatively, you can also click the “Your Privacy Choices” link in the footer of our websites at any time to open our cookie preference center and click “Decline All.”

We do not have actual knowledge that we sell or share Personal Information of consumers who are under 16 years of age. We also do not process Personal Information for purposes of profiling or to engage in automated decision making in furtherance of decisions that produce legal or similarly significant effects (which means a decision that results in the provision or denial of financial or lending services, housing, insurance, education enrollment or opportunity, criminal justice, employment opportunities, health-care services, or access to essential goods or services).

4. How We Disclose Information To Others

We disclose, and have disclosed in the past 12 months, Personal Information listed in the “Types of Personal Information We Collect” section, above, in the following contexts:

With Affiliates and Vendors. We may share Personal Information collected to our affiliates and to Vendors who act on our behalf. For example, we may use Vendors to design and operate this Site; to conduct surveys; to help us with our promotional efforts; and to help us design future products. We impose contractual limitations on our Vendors’ use of Personal Information they collect in conjunction with providing services to us.
To Third Parties for Marketing & Analytics Purposes. We may disclose your Personal Information to third parties who process Personal Information for their own purposes, including marketing and analytics companies. This primarily includes disclosures of IP addresses and related web browsing information via Cookies.
In Aggregate or De-Identified Form. We may aggregate or de-identify the Personal Information we collect, and we may disclose aggregated and/or de-identified Personal Information to our Vendors, and to third parties for our business operational purposes and for any other purposes permitted by applicable law.

We may also disclose Personal Information in the following contexts:

As Part of a Business Transfer. Your Personal Information may be transferred to successor organizations if, for example, we transfer the ownership or operation of this Site to another organization if we merge with or are acquired by another organization, or if we liquidate our assets. If such a transfer occurs, the successor organization’s use of your Personal Information will still be subject to this Supplemental Policy and the privacy preferences you have expressed to us.
To Comply With Laws and Protection of Our Rights and the Rights of Others. We may disclose your Personal Information when we, in good faith, believe disclosure is appropriate to comply with the law, a court order or a subpoena. We may also disclose your Personal Information to prevent or investigate a possible crime, such as fraud or identity theft; to protect the security of this Site; to enforce or apply our Terms of Use or other agreements; or to protect our own rights or property or the rights, property or safety of our users or others.
As Described in a Privacy Notice or With Your Consent. We reserve the right to disclose your Personal Information as described in any privacy notice posted on this Site, or as described in any click-through agreement to which you have agreed.

5. Data Subject Rights

Residents who reside in states with U.S. Privacy Laws have the following rights regarding our collection and use of the Personal Information, subject to certain exceptions. Please read this section carefully as some rights vary by state.

Rights that Require Verification. You may exercise the data subject rights below by contacting us via email at privacyrequest@homesteaderslife.com, via phone at 888-312-9018, or via our webform and submitting details regarding your request. You may also authorize an agent to make data subject requests on their behalf. In such instances, authorized agents may use the same methods as you to submit the requests on your behalf. To verify your identity and protect your Personal Information, we may ask the requestor to provide information that will enable us to verify your identity in order to comply with your data subject request, such as asking your agent to provide proof of signed permission from you, or asking you to confirm with us directly that you provided the agent with permission to submit the request. In some instances, we may decline to honor your request if an exception applies under applicable law. We will respond to your request consistent with applicable law.
- Right to Know: You have the right to know the following details about our privacy practices at or before the point of collection. We have provided such information in this Supplemental Policy. You may also request that we provide you with information about the following aspects of how we have handled your Personal Information specifically in the 12 months preceding your request:
  - The categories of Personal Information we have collected about you;
  - The categories of sources from which we collected such Personal Information;
  - The business or commercial purpose for collecting, selling, or sharing Personal Information about you;
  - The categories of Personal Information about you that we disclosed and the categories of third parties to whom we disclosed such Personal Information;
  - The categories of Personal Information about you that we sold, shared, or used for targeted advertising purposes, and the categories of third parties with whom we sold or shared such Personal Information;
  - If we collect Sensitive Personal Information, the categories of Sensitive Personal Information to be collected, the purposes for which it is collected or used, and whether that information is sold or shared; and
  - The length of time we intend to retain each category of Personal Information, or if that is not possible, the criteria used to determine that period.
- Right to Deletion: You may request that we delete any Personal Information about you we that we collected from or about you.
- Right to Correction: You may request that we correct any inaccurate Personal Information we maintain about you.
- Right to Access Specific Pieces of Personal Information and Data Portability: You may ask to obtain the specific pieces of Personal Information we have collected about you in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the Personal Information to another entity without hindrance. You may not exercise this right more than two times in a calendar year.
Rights that Do Not Require Verification. You may exercise these rights through the “Your Privacy Choices” link below or at the footer of every page on our website. The “Your Privacy Choices” link will open our Cookie Preference Center, and you can then click “Reject All” to opt out of the sale and sharing of Personal Information.
- Right to Opt-Out of Sale: You have the right to opt out of the sale of your Personal Information.
- Right to Opt-Out of the Sharing of Your Personal Information or the Use of Your Personal Information for Targeted Advertising: You have the right to opt-out of the sharing of your Personal Information or our use of your Personal Information for targeted advertising purposes.

Opt-Out Preference Signals. We recognize opt-out preference signals that we are required to recognize for compliance with applicable law. Where required by the CCPA, we treat such opt-out preference signals as a valid request to opt-out of sale, sharing, and processing for purposes of targeted advertising, as applicable, for the browser or device through which the signal is sent and any consumer profile we have associated with that browser or device, including pseudonymous profiles. Further, if we know the identity of the consumer from the opt-out preference signal, we will also treat the opt-out preference signal as a valid request to opt out of sale and sharing for such consumer. Consumers may use opt-out preference signals by downloading or otherwise activating them for use on supported browsers and setting them to send opt-out preference signals to websites they visit. Please note, however, that our websites do not currently respond to the “Do Not Track” signal.
Non-Discrimination. We will not discriminate against you for exercising your data subject rights. For example, we will not deny goods or services to you, charge you different prices or rates, or provide a different level of quality for products or services as a result of you exercising your data subject rights.
Appeals. Residents of certain states have the right to appeal our decisions on their data subject requests. This section does not apply to California or Utah residents, or to residents who reside in other states where the applicable U.S. Privacy Law does not give them the right to appeal controllers’ decisions regarding data subject rights. To appeal our decision on your data subject requests, you may contact us at privacyrequest@homesteaderslife.com. Please enclose a copy of or otherwise specifically reference our decision on your data subject request, so that we may adequately address your appeal. We will respond to your appeal in accordance with applicable law.

Other Disclosures For California Residents

Direct Marketing. California Civil Code § 1798.83 permits California residents to annually request certain information regarding our disclosure of Personal Information to other entities for their direct marketing purposes in the preceding calendar year. We do not disclose Personal Information, as defined by California Civil Code § 1798.83, to third parties for their direct marketing purposes.
Financial Incentives. We do not provide financial incentives to California residents who allow us to collect, retain, sell, or share their Personal Information. We will describe such programs to you if and when we offer them to you.

6. This Policy May Change

We are continually improving and adding to the features and functionality of this Site and the services we offer. As a result of these changes (or changes in the law), we may need to update or revise this Supplemental Policy. If we decide to change this Supplemental Policy, we will notify you by posting the revised Supplemental Policy on our Site or in a manner through which we regularly interact with you, and by providing any additional notice as required by applicable law. On return visits to our Site, please remember to review this Supplemental Policy which may have changed.

You may access the current version of this Supplemental Policy at any time by clicking the link marked “Privacy Policy” at the bottom of each page of this Site.

7. Contact Us

If you have any questions regarding this Supplemental Policy, please contact us at:

Homesteaders Life Company, c/o Privacy Request
5700 Westown Parkway
Des Moines, Iowa 50266

You may also call us at 888-312-9018 or email us at privacyrequest@homesteaderslife.com.

Privacy policy.

State Supplemental Privacy Policy.

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