The Mutual Group Privacy Policy
Last Updated/Effective Date May, 2026
The Mutual Group (“The Mutual Group”, “we”, “us”, or “our”) respects the privacy of our customers, website visitors, and partners. Our privacy commitments are fundamental to the way we run our business. These commitments apply to everyone who has a relationship with us. The Mutual Group is committed to respecting your privacy. We will protect your privacy and keep your personal data safe. We use encryption and other security safeguards to protect customer data.
This Privacy Policy sets forth the privacy principles The Mutual Group follows with respect to your Personal Information we collect from or about you, either online through this website, or any of the products, services, interactive features, forms, social media pages offered, owned, or operated by The Mutual Group, or its affiliates (collectively “Services”), and how your Personal Information will be used. The Services are intended for use by individuals residing and located in the United States.
When we use the term "Personal Information," we are referring to information that identifies or can reasonably be linked to you or another person. Personal information does not include information that is collected anonymously or that has been de-identified, so that it cannot identify or be reasonably linked to you.
Please read this Privacy Policy carefully. By using and accessing any of the Services, you acknowledge that you have read this Privacy Policy and understand the collection, use, and disclosure of your information as described in this Privacy Policy.
California residents including business consumers acting as employees, owners, directors, officers or independent contractors of an entity providing or receiving a product or service from us, Section I of this Policy below, which describes our collection and use of information practices through our Services, also serves as our Notice at Collection for California residents for purposes of the California Consumer Privacy Act (“CCPA” as amended by the California Privacy Rights Act).
Table of Contents
I. Personal Information We Collect
II. Sources of Personal Information
III. How We Use Your Personal Information
IV. Disclosures of Personal Information
V. Security of Personal Information
VI. Transfers and Storage of Personal Information
VII. Cookie Notice
VIII. Opting-Out of Cookies
IX. Promotional Communications
X. CA Residents – Notice at Collection & Your Rights and Choices in California[EM1]
XI. All States Other than California - Your Rights and Choices
XII. How to Exercise Your Rights and Choices
XIII. Children’s Data
XIV. Our Use of Artificial Intelligence
XV. Links to Other Websites, Content, and Resources
XVI. Changes to This Privacy Policy
XVII. Contact Us
We may collect or process the following categories of Personal Information, including inferences drawn from this Personal Information, depending on how you interact with the Services, where you live, and as permitted or required by applicable law:
- Contact details including your name, business contact information (such as work email), private contact information, and address.
- Employment information including employment history, other employee or HR-related data, and contract details.
- Identification information including governmental identification numbers (e.g., Social Security Number, state-issued ID), driver’s license, and precise geolocation data.
- Financial information including bank account details and other financial data.
- Demographic information including race or ethnic origin, gender identity and gender expression, familial status (children/no children), marital status, age, and disability status.
- Health information including personal health information provided as part of claim processing and data concerning health.
- Criminal history information including data relating to criminal convictions and offences as part of claim processing.
- Commercial information including purchasing or consuming histories.
- Internet or network activity information including IP address, search history, and other online identifiers.
II. Sources of Personal Information
Directly from You. For example, when you:
- visit or use the Services,
- communicate with us, or
- otherwise provide us with your Personal Information.
Automatically through Cookies and Similar Technologies. For example, when you
- Visit and navigate our Services on any device, or
- Click on third party links on our Sites.
For more information about our use of cookies, refer to the section called “Cookie Notice.”
Service Providers and Contractors. For example, we work with service providers and contractors who collect Personal Information on our behalf in order to provide services to us, such as:
- Manage, improve, and host our Services through business studies, marketing campaigns and IT development and support,
- Verify your information,
- Authenticate payments and process orders and payments, or
- Provide fulfilment of our Services.
Business Customers. For example, we may collect Personal Information from our business customers in connection with providing membership-based services and related solutions. This can include information necessary to deliver aligned capital, enterprise technology, and operational expertise, as well as to manage policy and claims systems, facilitate transactions, and support operational efficiencies.
Affiliates and Subsidiaries. For example, if we acquire an ownership interest in a company, we may receive information about you as part of that acquisition if you have previously done business with them.
Publicly/Commercially Available. For example, we collect:
- Information in the public domain,
- Data available in open government databases to help us with fraud monitoring and prevention, compliance with applicable law and regulations, reviewing and processing your employment application and other information,
- Information obtained through lawful web scraping of publicly available websites or online platforms for purposes such as fraud prevention, compliance, market research, and improving our services, or
- As otherwise permitted by law.
III. How We Use Your Personal Information
Depending on how you interact with us or which of the Services you use, we may use Personal Information for the following purposes:
- Provide, Tailor, and Improve the Services. We use your Personal Information to provide you with the Services, including to perform our contract with you, to remember your preferences and Services you are interested in, to send notifications to you related to our Services, and to create a customized experience for you. This may include using your Personal Information to better tailor and improve the Services.
- Marketing and Advertising. We use your Personal Information for marketing and promotional purposes, such as to send marketing, advertising and promotional communications by email, and to show you online advertisements for products or services on the Services or other websites.
- Security and Fraud Prevention. We use your Personal Information to detect, investigate or take action regarding possible fraudulent, illegal, unsafe, or malicious activity, protect public safety, and to secure our services.
- Communicating with You. We use your Personal Information to provide you with customer support, to be responsive to you, to provide effective services to you and to maintain our business relationship with you.
- Legal Reasons. We use your Personal Information to comply with applicable law or respond to valid legal process, including requests from law enforcement or government agencies, to investigate or participate in civil discovery, potential or actual litigation, or other adversarial legal proceedings, and to enforce or investigate potential violations of our terms or policies. We may also use your Personal Information to protect and defend our rights or the rights of our users.
- Corporate Transactions. We may use your Personal Information in connection with a corporate transaction, such as the purchase or sale of a business unit, acquisition, merger, sale of assets, or other similar event.
IV. Disclosures of Personal Information
We disclose your Personal Information described above as follows:
Internally. We disclose all categories of Personal Information listed above with other affiliated businesses who jointly use Personal Information for the purposes described in this Privacy Policy, where this is acceptable under applicable law.
A Business That Acquires Us or Our Assets, in a Business Transfer. If another party acquires all or substantially all of our assets, all categories of Personal Information listed above and any other information that we have collected in connection with the Services, will be transferred to that party as part of our business assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information will be considered part of our assets that can be sold or transferred to third parties.
Government Authorities, Legal Rights and Actions. We will disclose all categories of Personal Information listed above with various government agencies if required or requested to do so by law or if we believe such action is necessary or advisable in order to: (1) conform to the requirements of the law or comply with valid legal process served upon us; (2) protect or defend our legal rights or property, the Services, or our customers or users; (3) investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our Terms of Use; and/or (4) any other reason in our sole discretion. We may also use IP address or other Device, Internet and Network Activity Information, Online Identifiers to identify users, and may do so in cooperation with copyright owners, Internet Service Providers, wireless service providers or law enforcement agencies in our discretion. Such disclosures may be carried out without notice to you.
Third Parties. With your consent (or where you do not decline where permitted by law), we disclose Device, Internet and Network Activity Information, and Online Identifiers to third parties, such as our advertising and marketing partners, media partners and platforms, data analytics providers, social networks.
Business Customers. We disclose all categories of Personal Information listed above to our business customers and may receive Personal Information from them as part of providing our membership-based services. This includes sharing information necessary to deliver resources and solutions such as aligned capital, enterprise technology, and operational expertise. For example, we may exchange contact details, account information, and transaction data with business customers to facilitate membership benefits, manage policy and claims systems, improve operational efficiencies, and support strategic growth initiatives. Any such sharing will occur in accordance with applicable law and our contractual obligations.
Service Providers and Contractors. We disclose all categories of Personal Information listed above with Service Providers and Contractors to perform services on our behalf, such as website analytics, payment processing, marketing and promotions, advertising technology services, cloud data storage, technology support, and customer service. These Service Providers and Contractors will access all categories of Personal Information as necessary for them to perform their duties. When we share Personal Information with Service Providers and Contractors our contracts prohibit them from using or sharing your Personal Information for any reason except to assist us in operating our business and providing Services to you.
Facilitating Requests from You. We disclose all of the categories of Personal Information listed above at your request or direction.
Consent. We disclose all of the categories of Personal Information listed above if we have let you know what information will be shared, with whom, and obtained your consent.
V. Security of Personal Information
We take a reasonable physical, technical, administrative, and organizational security measures based on the sensitivity of the information we collect to protect your information against accidental or unlawful destruction or accidental loss, alteration, unauthorized disclosure or access. Unfortunately, no online activity can be guaranteed to be 100% secure. While we strive to protect your information against unauthorized use or disclosure, we cannot ensure or warrant the security of any information you provide. We do not accept liability for unintentional disclosure.
If you believe you have discovered a security vulnerability in our Services, please contact us at privacy@themutualgroup.com. If you believe that someone has accessed your Personal Information or that your Personal Information has been misused, please let us know immediately by submitting your concerns through via e-mail at privacy@themutualgroup.com.
VI. Transfers and Storage of Personal Information
Please note that we may transfer, store and process your Personal Information outside the country you live in.
If you reside in a country other than the United States of America, you should be aware that the data that we collect from you will be transferred to and stored in the United States, and if you give us your Personal Information, you give us your express consent to the transfer. The laws of the United States may not protect the privacy of your information at the same level as provided by the laws of your country.
VII. Cookie Notice
Our Services collect Device, Internet and Network Activity Information, Online Identifiers about you through the use cookies and other tracking technologies placed by us and third parties (collectively, “Cookies”).
A “cookie” is a tiny file that is stored on your device (e.g., your computer or mobile device). It contains a unique identifier, as well as the address and other information about the site you are visiting. Some cookies are essential in order to enable you to move around our Services, visit our Site and use its features. Other cookies collect information about how visitors use the Site (for instance, which pages visitors go to most often and if they get error messages from web pages).
We and third parties may also utilize other tracking technologies like pixels, flash objects, APIs, mobile software development kits (SDKs) and tags. These are small strings of code that are placed on our Site in the emails we send to you or in our digital advertisements. When you access a page or platform containing one of these technologies, you establish a communication with a web server, which collects certain information about your computer or device.
These Cookies allow us and third parties partners to (i) collect Personal Information about you over time and across different websites, apps, and devices when you use our Services; (ii) facilitate Site administration and navigation; (iii) better understand and improve our Sites and Services; (iv) determine and improve the advertising shown to you here or elsewhere; and (v) provide you with a rich user experience. For example, we use Cookies (such as the Google Analytics cookie) and third-party cookies to inform, optimize, and display ads based on your past visits to the Sites, where permitted by law.
VIII. Opting-Out of Cookies.
Cookie Preference Center. You can opt-out of our use of Cookies for analytics and targeted advertising here.
Google Opt-Out. Google requires you to opt out directly with them. You may control your advertising preferences or opt out of certain Google advertising products by visiting the Google Ads Preferences Manager, currently available at https://google.com/ads/preferences. For more information from Google, go to: https://policies.google.com/technologies/partner-sites.
Global Privacy Control. If you are using a browser that supports the Global Privacy Control (“GPC”) https://globalprivacycontrol.org/ and have enabled the GPC, when you visit our Site, we will interpret that as a request to opt-out of Cookies.
CA Residents. To opt-out of our “sale” or “sharing” of any other category of your Personal Information as described in Section I above, you will also need to submit a request here.
Emails. You can opt-out of receiving promotional emails from us at any time by following the instructions to click on the unsubscribe link at the bottom of our emails, contacting us using the contact information provided at the end of the Privacy Policy below or clicking here. Please note that you cannot opt-out of non-promotional emails, such as those about your account, transactions, servicing, or our ongoing business relations. Please note that your opt-out is limited to the email address used and will not affect subsequent subscriptions.
The table below and additional paragraphs immediately following the table are a summary of the categories of Personal Information we have collected over at least the last 12 months, the purposes for collection and use of that Personal Information, and how long we keep each category of Personal Information.
For CA Residents: You may opt-out of the “sale” or “sharing” of your “Personal Information” as these terms are defined in applicable law by making a request here and for advertising here, or use your browser opt-out preference signal.
California Notice at Collection
We have collected the following categories of information in the past 12 months.
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Categories of Personal Information
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Sources of Personal Information
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Disclosures of Personal Information for a Business Purpose
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Sale or Sharing of Personal Information
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Identifiers
(including identifiers such as name, full shipping address, country of residence, phone number, username, password, and email address)
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Directly from individuals
Through automated means
Third-party sources
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Our Business Partners
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No
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Personal information categories listed in the California Customer Records statute, including names, addresses, telephone numbers, and credit and debit card information.
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Directly from individuals
Business Customers
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Business Customers
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No
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Protected classification characteristics under California law or federal law, including age and sex/gender expression.
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Directly from individuals
Business Customers
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Business Customers
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No
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Commercial information
(including record of products or services purchased, and the date and time the transaction occurred).
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Directly from individuals
Through automated means
Business Customers
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Our Business Customers
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No
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Biometric information, including images and other information for the purpose of uniquely identifying individuals.
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We do not collect biometric data.
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Not applicable
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Not applicable
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Internet information or other electronic network activity information
(including IP address, GPS, login data, browser, time zone, geographical location and any other unique identifier used to identify you or your device).
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Through automated means
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Third-Parties
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We have sold or shared this category of information in the past 12 months to or with the following categories of third parties:
Our Third-Party Analytics Partners
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Geolocation data, such as IP location
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Through automated means
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Third-Parties
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We have sold or shared this category of information in the past 12 months to or with the following categories of third parties:
Our Third-Party Analytics Partners
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Audio, electronic, visual, or similar information, such as customer service phone call recordings (where permitted by law)
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Directly from individuals
Through automated means
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Business Customers
Third Parties
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No
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Inferences
(meaning inferences drawn from any of the information in the above-listed categories of information, including marketing, product and service preferences)
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Directly from individuals
Through automated means
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Business Customers
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No
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Financial information
(including billing address, credit card information, banking information, telephone number and other information necessary to complete a transaction or purchase).
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Directly from individuals
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We have not disclosed in financial information that we collect internally.
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No
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Sensitive Information (e.g., Social Security Number, information concerning an individuals’ health)
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Business Customers
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We have disclosed this category of information for a business purpose in the past 12 months to the following categories of third parties:
Our Service Providers and Contractors
Our Business Customers
Third Parties
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No
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Purposes for Collecting Personal Information
As further described in the “Personal Information We Collect and How We Use It” section above, we generally collect and use the above-listed categories of Personal Information to provide and manage the Services, to process and fulfill your orders, and as otherwise necessary to support and market our business.
Sale and Sharing of Personal Information
We may “sell” or “share” Personal Information for targeted advertising (as such terms are defined in the CCPA), and we also “share” certain categories of Personal Information with third parties and have “shared” certain categories of Personal Information in the past twelve (12) months. Please refer to the chart above for additional details. You may exercise your right to opt out of such disclosures by clicking “Do Not Sell or Share My Personal Information” in the footer of our website and following the instructions on the window that pops up. Alternatively, where available, you may choose to enable an online tool that automatically communicates your opt-out preferences, such as the Global Privacy Control. When detected, we will process such a signal as a request to opt out.
We do not knowingly “sell” or “share” the Personal Information of individuals we know to be under 18 years of age.
We retain each category of Personal Information that we collect for as long as necessary to fulfill the purposes described in this Notice, including to satisfy legal or reporting requirements.
Disclosures of Personal Information
As detailed in the chart above, we disclose Personal Information to fulfill the identified purposes for each category of information. We will also disclose certain categories of Personal Information to competent governmental and public authorities and other third parties as necessary or appropriate, including when we have a legal or contractual obligation to disclose the information.
Use and Disclosure of Sensitive Personal Information
As detailed in the chart above, we collect certain “sensitive Personal Information” (as defined in the CCPA). However, we do not use or disclose such information for any purpose outside of the limited permissible purposes set forth in the regulations implementing the CCPA. Such purposes include providing the Services and our products; preventing, detecting, and investigating security incidents; and verifying, maintaining the quality of, and improving the Services.
A description of your legal rights can be found directly below.
If you are a CA Residents, you have the following rights regarding your Personal Information (subject to certain exemptions):
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Right to Know & Access
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You have the right, up to two times every 12 months, to ask us to disclose the categories of Personal Information we have collected about you, the categories of sources from which we collected it, our business or commercial purpose for collecting, selling, or sharing Personal Information about you, the categories of Personal Information we sold or disclosed, the categories of third parties to whom we have shared Personal Information about you, and the specific pieces of Personal Information we collected about you. You have the right to request a portable copy of your Personal Information. In some states, you also have the right to receive a lists of the specific third parties with whom we might share your Personal Information.
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Right to Correct and Delete
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You have the right to send us a request to correct or delete Personal Information we have about you, subject to certain exceptions allowed under applicable law.
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Right to Opt-Out of the Sale and Sharing of Your Personal Information (Opt-out of Targeted Advertising)
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You have the right to request that we not sell or share for targeted behavioral advertising, your Personal Information.
To opt-out of the “sale” or “sharing” for targeted advertising of your Personal Identifiers (primarily your email address), Demographic Information, and General Location Information and Inferences, click here or send an email to privacy@themutualgroup.com with your request.
To opt-out of the “sale” or “sharing” for targeted advertising of your Device, Internet, and Network Activity Information, Online Identifiers, click here.
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Right to Send Opt-out Preference Signals; Global Privacy Control
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We also honor the Global Privacy Control, a browser-based opt-out signal. We do not respond to other browser-based signals.
This opt-out method only applies to the category of Device, Internet and Network Activity Information, Online Identifiers and only for the device or browser which sends the opt-out preference signal.
We do not associate the opt out preference signal with your other Personal Information, which may include your name, email and phone number.
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Right To Not Be Discriminated
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You have the right not to be discriminated against if you exercise any of these rights, for example by receiving a different quality of services.
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Right To Appeal
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In California as a CA Resident, you have a right to appeal decisions concerning your ability to exercise your consumer rights.
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California’s “Shine the Light” law (Civil Code § 1798.83)
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Users of our website that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes.
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Financial Incentives. We do not offer financial incentives.
Depending on where you live, you may have some or all of the rights listed below in relation to your Personal Information. However, these rights are not absolute, may apply only in certain circumstances and, in certain cases, we may decline your request as permitted by law.
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Right to Know & Access
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You have the right, up to two times every 12 months, to ask us to disclose the categories of Personal Information we have collected about you, the categories of sources from which we collected it, our business or commercial purpose for collecting, selling, or sharing Personal Information about you, the categories of Personal Information we sold or disclosed, the categories of third parties to whom we have shared Personal Information about you, and the specific pieces of Personal Information we collected about you. You have the right to request a portable copy of your Personal Information. In some states, you also have the right to receive a lists of the specific third parties with whom we might share your Personal Information.
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Right to Correct and Delete
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You have the right to send us a request to correct or delete Personal Information we have about you, subject to certain exceptions allowed under applicable law.
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Right to Opt-Out of the Sale and Sharing of Your Personal Information (Opt-out of Targeted Advertising)
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You have the right to request that we not sell or share for targeted behavioral advertising, your Personal Information.
To opt-out of the “sale” or “sharing” for targeted advertising of your Personal Identifiers (primarily your email address), Demographic Information, and General Location Information and Inferences, click here or send an email to privacy@themutualgroup.com with your request.
To opt-out of the “sale” or “sharing” for targeted advertising of your Device, Internet, and Network Activity Information, Online Identifiers, click here.
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Right to Send Opt-out Preference Signals; Global Privacy Control
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We also honor the Global Privacy Control, a browser-based opt-out signal. We do not respond to other browser-based signals.
This opt-out method only applies to the category of Device, Internet and Network Activity Information, Online Identifiers and only for the device or browser which sends the opt-out preference signal.
We do not associate the opt out preference signal with your other Personal Information, which may include your name, email and phone number.
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Right To Not Be Discriminated
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You have the right not to be discriminated against if you exercise any of these rights, for example by receiving a different quality of services.
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Rights related to Automatic Decision Making (ADM)
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You have the right to opt out of profiling in furtherance of decisions with legal or significant effects using ADM, the right to access meaningful information about ADM logic; and request human review of any decision made using ADM.
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Right To Appeal
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In California as a CA Resident, you have a right to appeal decisions concerning your ability to exercise your consumer rights.
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Additional Privacy Rights
Nevada. If you are a Nevada resident, you can request that we not “sell” your “covered information” (as defined in applicable Nevada law). To make such a request, click here.
XII. How to Exercise Your Rights and Choices
Authorized Agent. Applicable law may permit you the right to appoint an authorized agent to exercise these rights for you. Under certain applicable laws, an authorized agent is a natural person or a business entity in the applicable state that a person has authorized to act on their behalf subject to the requirements. If you would like to designate an authorized agent to submit a request to know, a request to delete, or a request to correct Personal Information on your behalf, please click here. When submitting the request, please ensure the authorized agent identifies himself/herself/themselves as an authorized agent. We will require written proof of the agent’s permission to do so and we will need to verify your identity directly. Once verified, your authorized agent may act on your behalf.
How to Submit a Request. To exercise your rights above click here, email us at privacy@themutualgroup.com, or call 1-877-448-4331. To opt-out of Cookies, click here or use the Opt-Out Preference Signal triggered through your browser if available.
In order to respond to your request, we may validate your email address if you have an account with us. If you use an authorized agent to exercise rights for you, we will confirm that the agent is authorized by you.
When you make a request to access, correct, or delete your information, we will generally confirm receipt of your request within 10 days, and respond within 45 days, though in some cases we have the right to take additional time if needed. We will provide notice of the extension within the first 45-day period.
How We Verify Your Identity. We will take reasonable steps to verify your identity prior to responding to your requests. For example, we may utilize third party verification steps which may vary depending on the sensitivity of the Personal Information and whether you have an account with us.
XIII. Children’s Data
The Services are not intended to be used by children, and we do not knowingly collect any Personal Information about children under the age of majority in your jurisdiction. If you are the parent or guardian of a child who has provided us with their Personal Information, you may contact us using the contact details set out below to request that it be deleted. As of the Effective Date of this Privacy Policy, we do not have actual knowledge that we "share" or "sell" (as those terms are defined in applicable law) Personal Information of individuals under 18 years of age.
XIV. Our Use of Artificial Intelligence
We use artificial intelligence and machine learning to enhance efficiency in our Services, including processing and summarizing information within our claim handling process. Our AI tools are not used to make decisions regarding claim handling or resolution.
XV. Links to Other Websites
The Services may provide links to websites or other online platforms operated by third parties. If you follow links to sites not affiliated or controlled by us, you should review their privacy and security policies and other terms and conditions. We do not guarantee and are not responsible for the privacy or security of such sites, including the accuracy, completeness, or reliability of information found on these sites. Information you provide on public or semi-public venues, including information you share on third-party social networking platforms may also be viewable by other users of the Services and/or users of those third-party platforms without limitation as to its use by us or by a third party. Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators, except as disclosed on the Services.
XVI. Changes to This Privacy Policy
We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, legal, or regulatory reasons. We will post the revised Privacy Policy on this website, update the "Last updated" date and provide notice as required by applicable law.
If you have questions regarding this privacy policy, you may contact us using the information below.
The Mutual Group
Attn: Privacy Office
1111 Ashworth Road
West Des Moines, IA 50265-3538
877-448-4331
LegalWorkRequests@themutualgroup.com