Privacy Statement for www.uclonlineanytime.com


This website is operated and maintained in part by 4myBenefits, Inc. on behalf of

Last Updated On June 12, 2012
4myBenefits, Inc. has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program covers information collected through this Web site, www.4mybenefits.com and does not cover information that may be collected through downloadable software. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us at privacy@4mybenefits.com, or by calling 800-734-5144. If you are not satisfied with our response you can contact TRUSTe here.

TRUSTe online privacy certification

4myBenefits, Inc. has created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices for this Web site: www.4mybenefits.com.

This Web site links to other Web sites.  4myBenefits, Inc. is not responsible for the privacy practices or content of these other Web sites.  Please note that when you click on one of these links, you are "clicking" to another Web site. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours.


Information we collect and parties whom with we share information

We collect data in our log files. We collect your IP address, ISP (internet service provider), referring/exit pages, platform type, date/time stamp and browser type, and we keep a log of the pages visited and the length of time of your visit. We use this information to administer the Web site, and provide you with services that are more useful and relevant to you. Consequently, this information is tied to personally identifiable information. This information is stored and it is for our internal use. We do not share specific information about your visit regarding IP address, etc. with any third parties.

Our site's registration process, which is completed by your employer, requires your employer to give us certain information about employees who will be using this service. This information includes your name, work email address, social security number, and financial information about company paid benefits and employees' salaries. Also, demographic information is collected in the registration process. Your date of birth, gender, and family status is collected from your employer in order to tailor your experience at our site, so that we can show you content we think you might be interested in, and display the content according to your preferences. Financial information is used to present a financial overview of your company sponsored benefits. The agent who sells the 4myBenefits service to your employer is presented with this information about you in both a physical form as well as through the Web site application. The servicing agent also requests periodic reports of information that the agent has gathered in the process of providing your insurance benefits. This information, which is already available to the servicing agent in a paper based format in the form of employee benefit enrollment forms, is stored on our system to help the agent provide better service to you. This information is known by your employer and is typically presented to your servicing agent by your employer. We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding or court order, or legal process served on our Web site.

Some financial information can also be entered by you in order to facilitate the presentation of additional useful financial information. This user entered information may include insurance policy summary information, stocks, bonds and mutual funds you own or keep track of, and a list of your assets and liabilities. You also have the option of sharing certain information about your personal insurance policies with your servicing agent. This option is explicitly noted on the site and the information is not shared unless you direct us to do so. This information is optionally entered by you for your personal use only. We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding or court order, or legal process served on our Web site.

You may send us emails or feedback regarding service questions about the site. These emails are stored for our use in servicing your account.

You may be asked to answer optional survey questions from time to time. These surveys may be conducted by the employer or by 4myBenefits. In either case, the survey will clearly state, prior to answering questions, with whom the survey information will be shared. Typically this is shared with your servicing agent so they can provide you with more insurance opportunities. If your answers to the surveys are shared with your insurance agent, they will only be shared either in an aggregate form, or will not be tied to any of your personal information. The answers you provide to the survey questions will only be shared with your employer if the survey is designated as an employer sponsored survey. The information in the surveys will not be shared with any other third parties unless required by law.

You may choose to fill out a questionnaire regarding a request for product information from your servicing agent. This agent's identifying and contact information will be shown on the web page to the right of the questionnaire. In this case, the answers to your questions and any additional information that you provide on the questionnaire will be emailed to the specified servicing agent so that he or she may respond to your request. A record of this request for information is stored in our database when the email is sent to the servicing agent. No information other than what you specify in the questionnaire will be sent to the agent. We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding or court order, or legal process served on our Web site.

Your servicing agent will also contact you through email addresses that you or your employer has provided. If you choose to give us your personal email address, the agent will only be able to use this address through the use of our site. The agent will never be given the address directly, and emails that you receive in this fashion will be clearly marked as originating from the 4myBenefits Web site. Your agent will also contact you through your work-provided email address from time to time regarding changes in your benefit plan or other related matters. To opt out of emails through your personal email address see the Opt Out section below.

4myBenefits uses your contact information to notify you when necessary to provide the service, and send you information about our site and its new offerings. You may choose to opt out of future mailings; see the choice/opt-out section below.  Examples of our contact with you may include (but is not limited to):

Cookies
A cookie is a small text file that is stored on a userís computer for record-keeping purposes.  We do not link the information we store in cookies to any personally identifiable information you submit while on our site.  We use session ID cookies on this website to make it easier for you to navigate our site. A session ID cookie expires when you close you browser.

Third Party Cookies The use of cookies by our tracking utility company is not covered by our privacy statement. We do/do not have access or control over these cookies. Our tracking utility company use session ID cookies to help us assist you when you have a question about navigating the site.

Web beacons
Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.

This site has relationships with several other sites and financial institutions that allow us to present information and features to you along with the right to use these companies logos and link to their Web sites. 4myBenefits will never disclose any private information about individual users to these third parties. This information from other sites and financial institutions includes insurance carrier links, and the banners and links on the financial calculator pages. When you click-through to a third party site, none of your personal information is transmitted to the third party site.

We partner with other third parties to provide specific services. For example, they may provide assistance with technical email requirements. For these particular types of services, we share some personally identifiable information to facilitate our own services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.

You may be asked by your employer to fill out benefit enrollments or change your benefit enrollment related information on our Web site. This information is for the purpose of enrolling and using your employee benefits. The information is stored in the system to make it convenient for you to reuse the information the next time you need to enroll or change your benefit related information. This information will not be transmitted to any third party, other than the insurance or other company for whom it is intended. In some cases, you will be asked to print a copy for your records and sign the copy for return to your company or benefit provider. You and your family's, dependents', and beneficiary's medical information and history can be optionally entered on the site, or alternatively filled in by hand. If we allow medical information to be entered on the site, it will only be used to print a completed copy of the form and then transmitted electronically to the benefit provider. The medical information will then be discarded from our system.

We provide a chat capability so that we may easily answer your questions about our site. This chat capability is provided by ProvideSupport. The ProvideSupport service will set one or more cookies on your computer. Any information you entered could conceivably be used by ProvideSupport, so you should examine and be aware of ProvideSupport's privacy policy.

If you are a registered 4myBenefits agent, the information collected about you will only be used to service your account and be presented to your clients on their company benefits Web sites. This information includes your name, email address, postal address and phone numbers, and any information you add to your personal or agency's information page.

If you use our demo registration feature, we will use this information to generate sales leads, and will contact you about your interest in our site. Your name, a postal address and a valid email address are required for you to register for a demo. If you include your postal address we would likely use this address to contact you regarding your interest in our Web site. We will not disclose information you give on the demo registration form to any third party without your prior consent.


How the information we collect is used

The information we collect from your employer, and from your input on our site, is used to help you manage and track your portfolio of investments, insurance policies, and your assets and liabilities. Occasionally, you will be sent information through your email address regarding new features on the site or on other sites working in conjunction with 4myBenefits. You may choose to opt out of future mailings; see the choice/opt-out section below.

The agent that services your group employee benefits contacts you from time to time to offer you products and services to augment your employee benefits. These include, but are not limited to: individual insurance products, investment products, and financial planning services. The agent only has access to the information provided by you on your employee benefits enrollment forms, unless you provide additional information in the form of email or web-based requests for information. None of your other personal information is shared with the servicing agent, except as described herein.

Any demographic information we collect will only be used in its aggregated form with third parties and will not be linked to any of your personal information if it is used in this way. We use this information for administering and improving the site.
We use your demographic information to tailor the site for your use, and make your experience more enjoyable and useful. This demographic information includes age range, gender, and family status, as well as information you have entered on the site.

4myBenefits will not sell, reveal or share any of your personal information to others, except as described herein, unless we have your authorization.

If we are going to use your personally identifiable information in a manner different from that stated at the time of collection we will notify you via email. You will have a choice as to whether or not we use your information in this different manner. However, if you have opted out of all communication with the site, or deleted/deactivated your account, then you will not be contacted. Nor will your personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Web site notifying users of the change. In some cases where we post a notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices. We will also update our privacy statement to reflect these changes.



Changing Your Personal Information

You may change certain information that we have collected about you. This information includes your name, email address, age and your personal financial and insurance policy information that you have entered on the site. Other information about you that has been provided by your employer such as your salary and the cost of your benefits, is updated by the employer on a periodic basis. Some data is updated monthly or quarterly and some other information annually.

If you feel that there is an error in your personal information and/or are having difficulty in changing this information, you may contact us via the telephone or email contact information listed in the choice/opt-out or correct/update sections below.


Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control. All users' information is stored in a secured database on a server separate from the Web site, and access to a user's information through the Web site is only on a password protected basis. When you log in to the site, an SSL (secure socket layer) connection is used. This encrypted session is used to help protect your login information from unauthorized use. SSL is also used on pages that contain your personal financial information. These pages have a clear notification that the page is secured by SSL, and an indication of SSL should appear in the bottom bar of your web browser.

Please be aware that it is at least possible (notwithstanding our precautions) that someone intent on surreptitiously gaining unauthorized access to the information we collect might ultimately be successful, though any such access would be without our consent. We think this is unlikely, and would of course take immediate steps to correct any discovered breach of security.

Supplementation Information
This site supplements the information that you provide with information that is received from third parties. Certain financial information entered by you is shown in conjunction with information provided by your employer, such as company sponsored benefits.


Choice/Opt-Out
This site gives users the following options for removing their contact information and personal information from our database to not receive future communications. Users still may receive communications regarding their benefit plans to their work email address if one is provided by the employer. This communication with the work email address is governed by the relation we have with the employer. The work email address is the company's property.

  1. You can opt-out of future mailings by following the link to http://www.4mybenefits.com/optout.asp on the page after you successfully log into the site
  2. You can send email to privacy@4mybenefits.com
  3. You can call one of the following telephone numbers: (513) 891-6726 or (800) 734-5144

Correct/Update
This site gives users the following options for changing,deleting and modifying information previously provided.

  1. Edit the information in the 4myAccounts section of the site
  2. email privacy@4mybenefits.com
  3. call one of the following telephone numbers: (513) 891-6726 or (800) 734-5144
Data Retention
We will retain your information for as long as your account is active or as needed to provide you, or your employer services. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at privacy@4mybenefits.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Contacting the Web site
If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact

4myBenefits, Inc.
4665 Cornell Road
Suite 331
Cincinnati, OH 45241
privacy@4mybenefits.com