Privacy Policy

Your privacy and trust are important to us. This Privacy Policy explains how Forrest T. Jones & Co, Inc.® (“FTJ” “we”, “us” or “our”) collects, uses, shares, discloses, and protects your personal information you may provide on this website and related pages (“website”). It also provides information about your rights and choices with respect to your personal information, and how you can contact us if you have questions or requests. This Privacy Policy, together with the Terms of Use posted on this website, sets forth the general rules and policies governing your use of this website. Depending on your activities when visiting this website, you may be required to agree to additional terms and conditions.

This Privacy Policy governs this website, including secure account features used to access coverage, claims, payment, and benefit information. Certain information maintained by FTJ may be subject to applicable federal and state privacy laws, including the Health Insurance Portability and Accountability Act of 1996 ("HIPAA"), and the Gramm, Leach, Bliley Act (“GLB”). This Privacy Policy does not replace any applicable HIPAA Notice of Privacy Practices, GLB Privacy Notice, or state-specific privacy notice. Separate privacy notices may apply where required by law.

We may collect personal information directly from you, from insurance carriers, employers, benefit plans, service providers, and through your use of our website.

Information we may collect includes:

Identifiers

• Name
• Mailing address
• Telephone number
• Email address
• Date of birth
• Government Identifier

Insurance Information

• Member, certificate, or policy number
• Coverage and eligibility information
• Beneficiary information
• Premium payment information
• Claims information

Financial Information

• Payment information
• Banking information

Website Information

• Account credentials
• Communications submitted through the website
• Device, browser, IP address, and website usage information

Other information necessary to administer insurance products and services

Where permitted by law, we may also collect health-related information necessary to administer insurance coverage, benefits, and claims. 

We may use your personal information for performance of our services, and for other purposes as permitted by law. Some examples include:

• Establish and maintain accounts
• Verify identity and eligibility
• Provide administration of insurance coverage marketed and/or administered by FTJ and/or affiliates
• Process premium payments
• Evaluate and administer claims
• Respond to inquiries and service requests
• Process beneficiary and coverage updates
• Provide forms, communications, and other requested services
• Detect and prevent fraud, misuse, and unauthorized activity
• Improve website functionality and user experience
• Comply with legal, regulatory, and contractual obligations
• As otherwise required by federal or state law

Your person information may be obtained from

• Directly from you
• Associations
• Employers
• Insurance carriers
• Service providers
• Website Interactions

We do not sell your personal information to any third party. Also, we do not knowingly share personal information for cross-context behavioral advertising.

We may share your information with:

• Our third-party vendors performing functions on our behalf (or on behalf of our affiliated companies) e.g., vendors that process credit card payments, and other companies who provide us marketing or promotional assistance, analyze our data, assist us with customer service, etc. 
• Within our corporate family: We may share information with our affiliates, to the extent permitted by law.
• Third parties for legal proceedings or to prevent harm: We may share your information as required by law, to comply with legal process, to protect our legal rights, to protect the safety or security of a person, or to protect against fraud, criminal acts, or misconduct. We reserve the right to disclose any personally identifiable information or non-personal information about you if we are required to do so by law, or if we believe that such action is necessary to: (a) fulfill a government request; (b) conform with the requirements of the law or legal process; (c) protect or defend our legal rights or property, this website, or other users; or (d) in an emergency to protect the health and safety of this website's users or the general public.

Third parties to whom we disclose information are required by law and/or contractual requirements to keep your personal information confidential and secure. These parties may not use or disclose it except as reasonably necessary to provide services on our behalf or as permitted by applicable law.

Certain portions of the website are publicly accessible, while other features may require users to authenticate through a secure account.

Authorized users may be able to:

• View coverage details;
• Make premium payments;
• Monitor claim;
• Update personal and contact information;
• Access plan-related communications and documents; and
• Download forms for various policy coverage adjustments.

Access to account information is restricted to authorized users and is subject to authentication and security controls designed to protect personal information. 

To the extent that we create, receive, maintain, or transmit Protected Health Information, we will protect such information as required by applicable federal and state laws.

If health-related information is maintained through the website or used to administer health-related benefits, claims, or services, such information may also be governed by a separate HIPAA Notice of Privacy Practices describing permitted uses and disclosures and applicable individual rights.

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction.

Users are responsible for protecting their usernames, passwords, and other authentication credentials.

While we employ reasonable safeguards, no method of internet transmission or electronic storage can be guaranteed to be completely secure. 

We retain personal information for as long as reasonably necessary to:

• Provide products and services
• Administer insurance programs
• Comply with legal obligations
• Meet insurance regulatory requirements
• Resolve disputes
• Enforce contractual rights
• Protect our legal interests

Retention periods may vary based on the nature of the information and applicable legal requirements.

This website may link to or contain links to other third-party websites that we do not control or maintain. We are not responsible for the privacy practices employed by any third-party website. Be careful of disclosing any of your personal information when leaving this website. We encourage you to be aware when you leave this website and to read the privacy statements of each and every website that collects personal information.

We use cookies and similar technologies that are necessary to operate, maintain, and improve the functionality and performance of our website. These cookies do not collect personally identifiable information and are not used to track users across different websites.

The cookies we use are limited to operational and performance-related purposes. They:

• Do not collect, store, or transmit personally identifiable information;
• Do not create user profiles;
• Do not track users across third-party websites or services; and
• Are used solely to support the functionality, reliability, and performance of our website.

We do not monitor customers' activity on third-party websites for targeted advertising, so we do not respond to Do Not Track (DNT) signals.

Residents of certain states may have privacy rights regarding their personal information, subject to applicable exemptions and limitations under law.

Depending upon applicable law, individuals may have the right to:

• Request access to personal information;
• Request correction of inaccurate information;
• Request deletion of certain personal information;
• Request information regarding disclosures of personal information; and
• Exercise additional rights provided under applicable state privacy laws.
• Additional state-specific privacy notices may be provided where required by law.

    a. Important Notice

Much of the personal information processed in connection with insurance and health-related products and services is subject to GLBA, HIPAA, or other applicable laws and may be exempt from certain provisions of state privacy laws, including the CCPA and CPRA.

The privacy rights described above apply only to the extent required by applicable law and may not apply to information that is exempt under GLB, HIPAA, or other applicable legal authorities.

We may collect personal information as a broker, an independent insurance agency and, in certain circumstances, as a service provider or administrator on behalf of insurance carriers and sponsoring organizations.  Where applicable, we process personal information only for the purposes authorized by our contractual obligations.

This website is intended for individuals authorized to access insurance and benefit information. We do not knowingly collect information directly from children.

We may revise this Privacy Policy from time to time. Any changes will be posted on this website with an updated effective date. Continued use of the website following the posting of changes constitutes acceptance of the revised Privacy Policy.

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

Privacy Office
You may contact us as provided below if: (a) you have questions or comments about our Privacy Policy; (b) wish to make corrections to any personal information you have provided; or (c) want to opt-out from receiving future promotional correspondence, including emails, from us or our affiliated companies;

Privacy Office
Forrest T. Jones & Co, Inc.
2600 Grand Blvd. Suite 900
Kansas City, MO 64108
Phone: 800-821-7303
Email: Compliance@ftj.com

We will respond to your request and, if applicable and appropriate, make the requested change in our active databases as soon as reasonably practicable. Please note that we may not be able to fulfill certain requests while allowing you access to certain benefits, features and services offered on or through this website.

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