Axcelus Financial Life Insurance Company (“Axcelus” or “we”) values your privacy. We do not sell your information. We limit the use of your sensitive personal information to that which is necessary to provide our products and services or to consider your candidacy for employment or respond to any inquiries you may submit through the website or otherwise.
We collect personal information to determine if you qualify for our products and services, to offer you our products and services, to service your account, to respond to your inquiries when you contact us, and to consider your employment, as applicable.
This policy sets out how Axcelus collects and uses information including information that may personally identify you (“Personal Information”).
Axcelus may collect information in a number of ways, including, without limitation, as follows:
We may share some or all of your Personal Information without your permission, as permitted by law and as is necessary to support and provide our products and services, maintain our Website, and to comply with legal and regulatory requirements to persons or companies such as:
We may also disclose some or all of your Personal Information, but only as permitted by law, in response to:
We do not sell any of your Personal Information to any third party. We will not share personal health information without your permission, except as allowed or required by law.
California residents are entitled pursuant to the California Consumer Privacy Act (“CCPA”) to request the disclosures of your personal information that we have made within the last year (twelve preceding months) before your request as well as the following information:
To request the disclosures and information above, you may call 1-800-734-3280 or fill out this form and send your request to CA-DataRequests@axcelus.com. You may not make more than two requests within a twelve month period. Upon receiving such information and disclosures request, we will confirm receipt of the request within 10 days.
Additionally, you may designate an authorized agent to make such a request under the CCPA on your behalf. A designated authorized agent may also use the phone number or the links above to make such a request on your behalf.
To verify such information requests you will need to provide certain information. For requests made by an authorized agent, the authorized agent will need to provide proof that they have your signed permission to submit the request, and we may require you to verify your identity directly and/or directly confirm that you provided the authorized agent such permission. We will confirm the information you provide with the information we have on file to verify such requests. We cannot fulfill your request to provide personal information if we cannot verify your identity or authority to make the request on another’s behalf and confirm that the personal information relates to you. Making a verifiable request does not require you to create an account with us.
To the extent required by law, California residents have the right to request deletion or correction of their personal information collected by Axcelus. However, the right to deletion does not apply to personal information that is exempt or subject to an exception under the CCPA. To submit such a request, you may use the toll-free number listed above or fill out this form and send your request to CA-DataRequests@axcelus.com. The process for verifying such deletion or correction requests is similar to the process to verify information requests listed above.
You have the right not to be discriminated against for exercising any of the privacy-related rights to which you are entitled under applicable law. Axcelus will not discriminate against California residents who exercise their privacy rights conferred by the CCPA.
When you use the Website, we also may collect certain standard non-Personal Information from your browser and personal computer that Websites often collect, such as your IP address, your browser information (including browser type, capabilities, and language), your operating system, and the date and time you accessed the Website. We may also capture the country from which the visit came and the paths taken as you move from one Website or Webpage to another Website or Webpage (i.e., your “click stream” activity). We may group some or all of this information into aggregate data in order to describe the use of the Website by our users to our existing or potential business partners, sponsors, advertisers, or other third parties, or in response to a government request. We may also group demographic information that we collect from the Website’s users into aggregate data for the same purposes.
Axcelus may also use non-Personal Information to improve, enhance, and tailor the Website and to review analytics and use trends of the Website. Axcelus may also disclose such non-Personal Information to third party service providers that assist in certain services on our behalf, such as processing, storing, maintaining and transmitting data, processing and providing marketing assistance, web analytics, and data analysis. However, we do not use Personal Information for marketing purposes and we do not sell your Personal Information.
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes, and then the data is removed from the system. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer, although this may prevent you from taking full advantage of the Website.
We are committed to ensuring that your information is secure. In order to prevent its unauthorized access or disclosure, we have put in place physical, electronic and procedural safeguards to protect your Personal Information. We also have procedures in place that limit access to personal information about you to those employees, representatives and service providers who need to know such information in order to assist in issuing, servicing and administering products and services on your behalf.