KSKJ life Privacy—Personal Financial and Medical Information

As a fraternal benefit society, KSKJ life, American Slovenian Catholic Union, 2439 Glenwood Avenue, Joliet, IL 60435, (800) 843-5755, has always protected the privacy of our current and former members and customers who have placed trust in us to provide them with financial products and membership services.

When used in this notice, the following terms have the meaning shown.

Public information means information that is lawfully available to the general public from federal, state, and local government records; widely distributed media; or disclosures to the general public that are required to be made by Federal, State, or local law.

Non-public information means personally identifiable financial and medical information. It also means any list, description or other grouping of individuals, and publicly available information pertaining to them, that is derived from any personally identifiable information that is not publicly available.

Consumer Reporting Agency means an entity that regularly provides reports (consumer Reports) including information regarding an individual’s general reputation, character, personal characteristics or mode of living and financial status. The information may be obtained through interviews with the individual or third parties such as the individual’s business associates, family members, friends, neighbors, acquaintances or financial sources.

This notice will help you understand the type of information KSKJ life collects about you, how we collect it and what type of information we may and may not disclose to others.

You provided or authorized KSKJ life to obtain certain public and nonpublic personal information such as your name, address, telephone number, date of birth, marital status, social security number, occupation, financial data, and medical information. We collect only the minimum amount of information necessary for KSKJ life to underwrite, administer, and service your financial product(s) from:

KSKJ life- provided forms and/or applications
Transactions with KSKJ life and /or Agents
Consumer reporting agencies

We do not disclose any personal non-public information about you to anyone except as required by law. We will not disclose personal medical information about you, except as required by law or as you may authorize.

We restrict access to your personal, insurance and medical information to those of our employees who need to know that information in order to provide insurance and membership services to you.

We are, and will continue to be vigilant, in the safeguarding of your personal financial and medical information. We maintain physical, electronic, and procedural safeguards to comply with federal and state regulations regarding the safeguarding of non-public information.

It is our sincere desire to maintain complete, accurate and up-to-date records. You may contact us at the address or telephone number shown above to access information pertaining to your certificate. To protect your privacy, you will need to identify yourself by providing us with certain information.