Privacy Statement

Scope of policy

Our Privacy Policy applies only to information submitted and collected online through a website we operate or authorize. It does not apply to information we collect offline unless, with your permission, that information is combined with information collected or submitted online. This Privacy Policy does not apply to information collected on websites operated by our subsidiaries or other third parties.

Occasionally, we will revise and update this Privacy Policy. Please check back from time to time to ensure that you are aware of any changes to our privacy practices. If we revise this Privacy Policy, the "Last Updated" date below will be changed. If we make a major change to this Privacy Policy, we will post a notice of the change on the website.

Use of cookies

When you access our website through your browser, we use "cookies" as a convenience to you, so that portions of some online forms can be automatically completed for you. Cookies are messages sent from our Web server to your hard drive and are subsequently stored on your hard drive. Cookies allow us to study the volume and patterns of customer usage, although we cannot identify you by name or other personal information unless your computer's preferences are set to supply us with that information automatically.

We also maintain log files, which contain Internet Protocol ("IP") addresses. An IP address is a numeric address that is assigned to your computer by your Internet Service Provider. We do not link IP addresses to personal information, unless we notify you or unless necessary to enforce our web sites' terms and conditions. In general, we use log files to monitor traffic on our websites and to troubleshoot technical problems. In the event of abuse, however, we may block certain IP addresses.

Network security

Our site uses Secure Socket Layer Technology (SSL) to encrypt your information. This ensures only you and Horace Mann see this information. To make sure your browser is in secure mode when providing us with personal information, check for the lock or key icon at the right hand side of the browsers “Address Bar”. Also your URL should change from http:// to https://.

Horace Mann Educators Corporation employs various methods of network and host based security measures.  Though these measures continue to evolve, these measures are no guarantee against a breach.   In the event of a breach we will follow all applicable laws and regulations, including notification to users of a data breach involving unencrypted Personal Information by email or by posting a notice on the Horace Mann website. We also strive to limit access to Personal Information to employees performing a legitimate business function. We review our security procedures periodically to consider appropriate new technology and updated methods. Despite reasonable efforts, no security measure is ever perfect or impenetrable.

Passwords

It is your responsibility to keep your password confidential. Do not share this information with anyone. If you are sharing a computer with anyone, you should always log out before leaving a site or service to protect access to your information from subsequent users.  We also strongly recommend that our customers rotate their account passwords periodically to ensure their account and password integrity.Horace Mann currently offers online account access to annuity customers and secure communications through our Customer Care Center. To gain access, we require you to register your 1) Social Security Number, 2) policy/contract number, 3) date of birth, 4) email address and 5) create a User ID and personal password. If the information matches our records, you will be granted access to the Customer Care Center.

When accessing your account online on future visits to the Customer Care Center, log on by using the User ID and password you selected during the initial registration process. Your User ID and password are the key to your personal information. Please keep your password in a safe, secure place.

To change your email address or password, log in to the Customer Care Center and click "Profile" at the top of the page. To change your email, edit or replace the email we present in the "email address" field and press "Update". For password changes, enter the new password in the "Select password" field and confirm by entering the new password again in the "Verify password" field and press "Update". For mailing address/telephone changes or to submit a policy question, please log in to the Customer Care Center, select "Message Center", choose the appropriate subject from the dropdown menu (e.g., choose "All / Address Changes" for address changes) and provide your updated information in the "Message" box and click "Submit".

Using personal information

You entrust our company with your future when you become a Horace Mann client. And you expect us to value that trust, respect your privacy and protect your personal information. To show we have earned that trust, we want to explain how we gather and use personal information about you.  Horace Mann follows all applicable laws and regulations, including the Gramm-Leach-Bliley Act.

Personal information is information that can be used to identify you such as your name, address, telephone number, or email address. We do not collect any personal information about you unless you choose to provide it to us. If you choose not to provide personal information, you may be unable to use certain features on our website.

Demographic information is anonymous information that is derived without using any personally identifiable financial information that is not publicly available.  This is information such as your gender, hobbies, interests, zip/postal code or country. If demographic information is collected for an activity that also requires personal information, we may combine the demographic information with your personal information. Combining data allows us to customize notices we send you and content we provide you according to your interests and preferences. Demographic information is not considered personal information unless it is linked to personal information about a specific user. If you choose not to provide certain demographic information, you may not be able to use certain features on our website.

Aggregate information is anonymous data about individuals that is grouped together to study a group or category of services or users. Aggregate information is not considered personal information unless it is linked to personal information about a specific user.

We use this information to issue and service your policy and to offer you other insurance or financial products. We may also provide any of this information as required or permitted by law, including sharing it within the Horace Mann family of companies and with companies that perform marketing or other services on our behalf or with whom we have joint marketing and confidentiality/data protection arrangements.

We require these other companies to keep your personal information protected and confidential and to only use that information only for the purpose of the marketing or service arrangement.

In addition, we restrict access to your personal information to those employees or companies who need access to that information to provide products or services to you or to us as described above. We also have physical, electronic and procedural safeguards in place to guard your personal information.

We understand the importance of privacy and therefore, we use these privacy practices and policies to protect the personal information of prospective and former customers as well as our current customers.

Privacy complaints

Horace Mann Educators Corporation takes its users' privacy concerns seriously. If you believe Horace Mann has not complied with this Privacy Policy with respect to your personal information, you may write to us at:

The Horace Mann Companies
Corporate Complaint Department
One Horace Mann Plaza
#D778
Springfield, IL 62715

Or, you may fill out a privacy complaint form.

In your communication, please describe, in as much detail as possible, the ways in which you believe the Privacy Policy has not been complied with. We will investigate your complaint promptly. If you do not receive acknowledgment of your complaint or your complaint is not satisfactorily addressed, you should then contact us at 800-999-1030.



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© 2017 Horace Mann Educators Corporation

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