The Todd Benefits Group, Inc. (TBG) strongly believes in protecting the confidentiality and security of information we collect about individuals. Our information practices for this web site are described below. You should review this Online Privacy Policy regularly as it may change at any time at our sole discretion.

This web site is secured with SSL which protects all the data you exchange with this site and is protected from interception and tampering by state-of-the-art encryption technology (128 bit SSL).

Information you provide while using this Web site will be retained only if you decide to apply for a long-term care insurance plan or ask us to save your calculations. Information you provide on the application and any information we save for you, including your e-mail address, will be kept confidential and will not be disclosed to any party outside of The Todd Benefits Group without your authorization. If you decide to apply, the information you provide will be used to complete application forms for your review and signature.

Your Personal Information
When visiting the TBG web site, we request your current email address so that we may communicate with you regarding long-term care insurance options offered as a voluntary benefit through your employer. In addition, we request that you enter your name, contact telephone number, dates of birth for you and your spouse if you have one, and your employee status. This data is necessary for the Premium Calculator to develop EZ Pick plan design options that are specifically developed based on your resident state to assist you with your final coverage elections.

If you decide to apply for long-term care insurance through TBG we will request additional personal information that is required to complete the application process.

If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. We will not disclose any information obtained to any outside vendors for any purposes. The data will be used for this specific purpose only.

Generally, we will let you review what we know about you if you ask us in writing. (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.) If you tell us that what we know about you is incorrect, we will review it and correct it.

Cookies
A cookie is a small piece of information that a web site sends to your computer, which is stored in a file on your hard drive. Cookies are used by the TBG web site to identify your organization, email address (if you wish to save your location in the Premium Calculator for later access via login), and record number (while you are actively using the Premium Calculator).

Privacy and E-Mail
TBG uses no encryption (data scrambling) on certain portions of our web site, and up to 128-bit encryption on other portions (anywhere personal information is collected or displayed). The email address you provide in the Premium Calculator is only used for communication purposes between you and your assigned TBG Benefit Specialist. Your E-Mail address will not be shared with any outside parties.

Minors
We make no active effort to collect personal information from children under the age of 18 as they are not eligible for this coverage.

Additional Rights
Applicable laws may give you additional rights that are not described in this online data privacy policy.