Privacy Notice/Disclaimer

Effective date: July 27, 2020

PLEASE REVIEW THIS PRIVACY POLICY AND THE TERMS OF USE FOR THE SITE CAREFULLY. YOUR USE OF THE WEBSITE SIGNIFIES YOUR AGREEMENT TO THIS PRIVACY NOTICE AND MBG’s TERMS OF USE (which are available at this link).

Welcome! Mutual Benefit Group (MBG) is committed to protecting your privacy and recognizing your need for appropriate protection and management of personally identifiable information you share with us.  You may share personal information with us through our website (the “Website”), by email, by telephone, by regular mail, or in person, including when you apply for insurance coverage through MBG or one of its agents, when you speak to a customer service representative, or when you request information from us or apply for employment with us.  The phrases “personally identifiable information” or “personal information” mean your name, address, or telephone number together with your Social Security number, driver’s license number, financial account number(s) in combination with a required security code or password, and personal health information.

This Website is owned and operated by MBG. This Privacy Notice extends to Mutual Benefit Group’s member companies, Mutual Benefit Insurance Company (National Association of Insurance Commissioners (NAIC) Company Code 14664) and Select Risk Insurance Company (NAIC Company Code 17752), which are domiciled in Pennsylvania and are licensed in the states of Pennsylvania and Maryland.

The purpose of this Privacy Notice is how we may collect personal information about you when you visit our Website, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct the information.

Whenever you submit information via this Website, you consent to the collection, use and disclosure of that information in accordance with this Privacy Notice or as otherwise permitted or required by law. It is your responsibility to review this Privacy Notice carefully, especially before providing any personal information through our Website. If you do not agree to the terms of our Privacy Notice or the Terms of Use, please do not use this Website.

What Information Do We Collect?

Information You Submit

The personally identifiable information we collect when you communicate with us via email and online forms will depend upon your inquiry and the type of insurance you request. Such information may include your name, address, social security number, date of birth, income level or wage information, personal health information, or credit history, and further, in the case of online billing, banking information and credit card number.  When you utilize the “Find an Agent” function of our website, you may provide us with your location.

We also may obtain nonpublic personal information about you from information we receive from you on applications and other forms; information about your transactions with us, our affiliates or others; and information we receive from your insurance agent or producer and consumer reporting agencies.

Information That Is Automatically Collected

As you navigate through this Website, certain information may be automatically collected using various technologies, such as navigational data collection. For example, when you use the Website, we may collect your Internet Protocol (IP) address, which is a unique identifier that is associated with your computer. An IP address is a number automatically assigned to your computer by your Internet service provider.  We analyze IP addresses in the aggregate for system administration purposes and to compile statistics that show the numbers and frequency of visitors to our Sites and its individual pages. These aggregated statistics are used internally to improve our Website and for our own marketing purposes. Each time you log onto the Website and each time you request one of our pages, our server logs your IP address. Although we log your session with us, we will not normally link your IP address to anything that can allow us to identify you.

This Website may use “cookies.” A “cookie” is a small file stored by your Web browser to help a particular system recognize you and the pages you visit in a website. Cookies allow this Website to recognize you more quickly. Cookies may store unique identifiers, user preferences and other information. We use cookies to improve your browsing experience and to help us measure the number of visits, average time spent, page views, and other statistics relating to the Website. The information we gather through the use of cookies is not sold to vendors, advertisers, direct mail concerns, email list services, etc.  This Website uses Google Analytics, a widespread and trusted analytics solution, to help us to understand how you use the site and ways that we can improve your experience. Google will set cookies through our site, which may track things such as how long you spend on the site and the pages that you visit.

Most Web browsers are initially set to accept cookies. If you prefer, you may be able to set your browser to refuse cookies or to alert you when cookies are being sent, but it is possible that some parts of the Website will not function properly if you do so. Please recognize that browser blocking tools are not controlled by MBG and we do not guarantee their effectiveness. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org.

Sharing of Information

Please bear in mind that anyone you provide with your log-in information to this Website will also have access to your account and personally identifiable information.  You should safeguard your log-in information to protect the confidentiality and security of your personal information.

MBG does not sell your personally identifiable information. When you provide personally identifiable information to us, we may share it and any transaction information, such as premium payments or claims history, with our affiliated companies and third-party contractors, who are subject to confidentiality agreements and permitted to use this information solely for the purpose of evaluating and fulfilling your requests for insurance coverage, processing transactions requested by you, carrying out our obligations as your insurer, or administering and offering our products and services.

MBG may provide certain aggregate information we collect from visitors to this Website (e.g., statistics, sales, traffic patterns and services) to third parties who can assist MBG in analyzing and understanding the information and help us to better provide online products and services. Should MBG share this aggregate information with third parties, it will not include any personally identifiable information.

Notwithstanding the foregoing, however, MBG reserves the right at all times to disclose any information as MBG determines, in its sole discretion, to be necessary to satisfy any law, regulation or governmental request or to avoid liability for MBG or any third party.

Links to Other Websites

Our Website may contain links to other websites. We have no control over the privacy practices or the content of any of our business partners, advertisers, sponsors or other sites to which we provide links from our Website. MBG does not endorse, approve or certify these other websites, and we do not guarantee the accuracy, completeness, efficacy, or timeliness of the information contained on these sites. This Privacy Notice applies to information collected by our Website, and you should check the applicable privacy policy of the website sponsor when linking to other websites.

Editing, Updating, Correcting and Deleting User Information

We want to communicate with you only if you want to hear from us. If you prefer not to receive information from us, or if you have questions regarding our Privacy Notice, the accuracy of your personal information or the use of the information collected, please let us know by sending us an e-mail or writing to us at the addresses provided below.

Please be sure to include your e-mail address, full name, and your question(s) and, if applicable, specifically what information you do not want to receive. If you would like to update or correct your e-mail address, street address or other personal information with us, please contact us the same way. Please note that sometimes these requests may take some time to be effective, and we may retain your personal information if required to do so to comply with law, in furtherance of a legitimate business purpose, or if otherwise permitted by law.

Security of Information

MBG will take reasonable steps to protect your personally identifiable information that you transmit to MBG and this Website and to protect such information from loss, misuse, and unauthorized access or disclosure. However, no Internet transmission is ever fully secure, and MBG cannot guarantee that the security of personal information you transmit to us. When we collect other information from our users, we maintain physical, electronic and procedural safeguards to ensure that personal information is stored and treated responsibly. When collecting credit card information for online payments, we offer secured-server transactions that encrypt your information in transit to reduce the risk that it could be intercepted or misused.

Children’s Privacy

MBG takes children’s privacy seriously.  This Website is not designed or intended for use by children under 16 years old and we do not seek to collect personal information about such children through our Website. If you believe we have collected personal information about a child under 16 years old, please contact us using the email or mailing addresses provided below so that we may delete the information. 

Changes to Privacy Notice

MBG reserves the right to change this Privacy Notice at any time. Please check this page regularly to stay apprised of such changes.

How to Contact Us

If you have any questions about this Privacy Policy, information gathered by the Website, or about the operation of the Website, please contact us by email at [email protected].

You also can write us at:

Mutual Benefit Group
409 Penn Street
PO Box 577
Huntingdon, PA 16652