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Supplemental Privacy Statement
At Pan‑American Life Insurance Group, Inc. and its controlled affiliates, subsidiaries, and branches (collectively, “PALIG”) we are committed to protecting your privacy. Part of that commitment is making sure we follow U.S. state and country specific privacy laws and regulations. This section complements our Privacy Policy; please make sure to read that document as well to have a comprehensive view of our privacy practices. If you need to review a country’s specific privacy practices, please select the appropriate country from the menu at the top of the page.
All definitions used in this section are based on the California Consumer Privacy Act (“CCPA”), unless otherwise noted. For the purposes of this section, “Personal Information” is information that identifies, relates to, or could reasonably be linked with a particular resident or household.
Collection of Personal Information
During the past 12 months, PALIG may have collected the following types of personal information about you:
Category | Examples |
|---|---|
Identifiers | Name, contact information, unique personal identifier, online identifier, Internet Protocol address, account name, Social Security number, driver's license number, passport number, among others |
Personal information | Name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, health insurance information, or benefits information |
Characteristics of protected classifications | Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran or military status, genetic information |
Commercial information | Transaction information and purchase history, such as records of personal property, products or services purchased, obtained, or considered |
Biometric information | Fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data |
Internet or other similar activities | Browsing history, search history, information on a consumer's interaction with our website, application, or advertisement |
Geolocation data | Physical location or movement about a particular individual or device |
Audio, electronic, visual and similar information | Call and video recordings |
Professional or employment‑related information | Current or past job history or performance evaluations |
Inferences drawn from other personal information | Profile reflecting a person's preferences, characteristics, trends, and attitudes |
As expressed in our , we can obtain these categories of personal information from:
- Information collected from direct interactions with you
- Information collected directly from website visitors
- Information collected from portal visits
- Information collected by automated means
Use of Personal Information
We use your information to provide you a service, for example, to provide you a quote or create an account in our website.
- To administer your policy, for example, to bill you, communicate with you or administer a claim.
- To provide you newsletters or offer you new products.
- To invite you to our events.
- To manage your accounts with us.
- To process your transactions and payments.
- To provide you customer service.
- To personalize our website and give you and experience relevant to your needs and interests.
- To keep our website, products and services up to date, secure and accurate.
- To perform identity verification.
- For research, product development and benchmarking.
- To respond to law enforcement requests, when applicable, and to comply with our internal policies and procedures.
- To protect our business operations, secure our network and information technology, assets and services.
- To prevent and detect fraud, unauthorized activities, unauthorized access and other misconduct.
- To operate, manage, and maintain our business, perform accounting and audits.
- To maintain records.
- To enhance the ability of visitors to browse and load website content.
- Disclosure of personal Information
Sharing Personal Information
Categories of Personal Information | Our Affiliates | Our Business Partners | Our Social Media Networks | Third Party Marketing Partners | Benefit plan’s plan sponsor or plan administrator |
|---|---|---|---|---|---|
Identifiers | X | X | X | X | |
Personal information | X | X | X | ||
Characteristics of protected classifications | X | X | X | ||
Commercial information | X | X | X | X | |
Biometric information | X | X | X | ||
Internet or other similar activities | X | X | X | X | |
Geolocation data | X | X | X | X | X |
Audio, electronic, visual and similar information | X | X | |||
Professional or employment‑related information | X | ||||
Inferences drawn from other personal information | X | X | X |
PALIG may be required to disclose all categories of personal information with law enforcement, regulatory agencies, or litigants based on legally enforceable requests for this information.
We Do Not Sell your Information: We will not sell your personal information to anyone, for any purpose. Likewise, we do not engage in the use automated means to make decisions that involve sensitive information.
Your Rights
Some of the U.S states and countries where we operate have a specific list of rights that their residents can exercise. Please search the list below to identify your rights based on your state/country of residence.
To exercise your privacy rights, you must submit a verifiable request here. Once we receive and verify this request, we will strive to respond to all legitimate request within thirty (30) days the number of days, unless an exception applies. You may have the right to appeal our decision regarding your request. To file for an appeal click here.
We will not discriminate against you for exercising your privacy rights. Once you exercise your rights, we will not:
- Deny you services.
- Charge you different prices or rates, or impose penalties.
- Provide you a different level or quality of services.
- You may authorize an agent to submit a privacy request on your behalf. Please note, requests submitted by authorized agent also require verification of your identity before processing.
Changes to this Policy
We may change or update this Policy from time to time. When we do, we will post the revised Policy on this page with a new “Last Updated” date.
Right to Request Accessible Alternative Format
This Policy has been designed to be accessible to people with disabilities. If you are having difficulty viewing or navigating the content on this Policy, please email our team at adacompliance@palig.com with “Disabled Access” in the subject line. You can also reach us via phone by calling 1‑877‑939‑4550.
Last Updated May 2024
At Pan‑American Life Insurance Group, Inc. and its controlled affiliates, subsidiaries, and branches (collectively, “PALIG”) we are committed to protecting your privacy. Part of that commitment is making sure we follow U.S. state and country specific privacy laws and regulations. This section complements our Privacy Policy; please make sure to read that document as well to have a comprehensive view of our privacy practices. If you need to review a country’s specific privacy practices, please select the appropriate country from the menu at the top of the page.
All definitions used in this section are based on the California Consumer Privacy Act (“CCPA”), unless otherwise noted. For the purposes of this section, “Personal Information” is information that identifies, relates to, or could reasonably be linked with a particular resident or household.
Collection of Personal Information
During the past 12 months, PALIG may have collected the following types of personal information about you:
Category | Examples |
|---|---|
Identifiers | Name, contact information, unique personal identifier, online identifier, Internet Protocol address, account name, Social Security number, driver's license number, passport number, among others |
Personal information | Name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, health insurance information, or benefits information |
Characteristics of protected classifications | Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran or military status, genetic information |
Commercial information | Transaction information and purchase history, such as records of personal property, products or services purchased, obtained, or considered |
Biometric information | Fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data |
Internet or other similar activities | Browsing history, search history, information on a consumer's interaction with our website, application, or advertisement |
Geolocation data | Physical location or movement about a particular individual or device |
Audio, electronic, visual and similar information | Call and video recordings |
Professional or employment‑related information | Current or past job history or performance evaluations |
Inferences drawn from other personal information | Profile reflecting a person's preferences, characteristics, trends, and attitudes |
As expressed in our , we can obtain these categories of personal information from:
- Information collected from direct interactions with you
- Information collected directly from website visitors
- Information collected from portal visits
- Information collected by automated means
Use of Personal Information
We use your information to provide you a service, for example, to provide you a quote or create an account in our website.
- To administer your policy, for example, to bill you, communicate with you or administer a claim.
- To provide you newsletters or offer you new products.
- To invite you to our events.
- To manage your accounts with us.
- To process your transactions and payments.
- To provide you customer service.
- To personalize our website and give you and experience relevant to your needs and interests.
- To keep our website, products and services up to date, secure and accurate.
- To perform identity verification.
- For research, product development and benchmarking.
- To respond to law enforcement requests, when applicable, and to comply with our internal policies and procedures.
- To protect our business operations, secure our network and information technology, assets and services.
- To prevent and detect fraud, unauthorized activities, unauthorized access and other misconduct.
- To operate, manage, and maintain our business, perform accounting and audits.
- To maintain records.
- To enhance the ability of visitors to browse and load website content.
- Disclosure of personal Information
Sharing Personal Information
Categories of Personal Information | Our Affiliates | Our Business Partners | Our Social Media Networks | Third Party Marketing Partners | Benefit plan’s plan sponsor or plan administrator |
|---|---|---|---|---|---|
Identifiers | X | X | X | X | |
Personal information | X | X | X | ||
Characteristics of protected classifications | X | X | X | ||
Commercial information | X | X | X | X | |
Biometric information | X | X | X | ||
Internet or other similar activities | X | X | X | X | |
Geolocation data | X | X | X | X | X |
Audio, electronic, visual and similar information | X | X | |||
Professional or employment‑related information | X | ||||
Inferences drawn from other personal information | X | X | X |
PALIG may be required to disclose all categories of personal information with law enforcement, regulatory agencies, or litigants based on legally enforceable requests for this information.
We Do Not Sell your Information: We will not sell your personal information to anyone, for any purpose. Likewise, we do not engage in the use automated means to make decisions that involve sensitive information.
Your Rights
Some of the U.S states and countries where we operate have a specific list of rights that their residents can exercise. Please search the list below to identify your rights based on your state/country of residence.
To exercise your privacy rights, you must submit a verifiable request here. Once we receive and verify this request, we will strive to respond to all legitimate request within thirty (30) days the number of days, unless an exception applies. You may have the right to appeal our decision regarding your request. To file for an appeal click here.
We will not discriminate against you for exercising your privacy rights. Once you exercise your rights, we will not:
- Deny you services.
- Charge you different prices or rates, or impose penalties.
- Provide you a different level or quality of services.
- You may authorize an agent to submit a privacy request on your behalf. Please note, requests submitted by authorized agent also require verification of your identity before processing.
Changes to this Policy
We may change or update this Policy from time to time. When we do, we will post the revised Policy on this page with a new “Last Updated” date.
Right to Request Accessible Alternative Format
This Policy has been designed to be accessible to people with disabilities. If you are having difficulty viewing or navigating the content on this Policy, please email our team at adacompliance@palig.com with “Disabled Access” in the subject line. You can also reach us via phone by calling 1‑877‑939‑4550.
Last Updated May 2024
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Privacy Rights under Ecuador’s Law
Privacy Rights under Ecuador’s Law
- Right to Information: You have the right to know everything about how your data is used, the purpose, who handles it, how long it's stored, whether it will be shared, and how you can exercise your rights. This information must be clear, simple, and in your preferred language.
- Right of Access: You can request, free of charge, all the personal data an entity has about you. You don’t need to justify your request, and they must respond within 15 days.
- Right to Rectification and Update: If your data is incorrect or outdated, you can request that it be corrected. You only need to provide proof if necessary.
- Right to Erasure: You can request the deletion of your data if it’s no longer needed, was used without your consent, violates your rights, or if you simply withdraw your consent.
- Right to Object: You can refuse the use of your data, especially for advertising or if you disagree with how it's being used.
- Right to Data Portability: You can request your data in a digital format to take it to another company or service. You can also ask for it to be transferred directly.
- Right to Suspend Processing: You can request that the use of your data be paused while a dispute about its accuracy or legality is being resolved.
- Right Not to Be Solely Evaluated by Machines: You have the right to ensure that important decisions about you aren't made solely by algorithms. You can ask for explanations, present your observations, and even challenge the decision.
- Protection for Children and Adolescents: Their data cannot be used without the permission of their legal guardians, unless there’s a compelling public interest. From age 15, adolescents can give explicit consent.
- Right to Consultation: You can freely consult the National Register of Personal Data Protection to learn how your data is being used.
If you have additional questions related to your privacy, please contact us at privacy@palig.com, call us at (5932) 225‑3500 or vist us at:
Ave. República de El Salvador 1082 y Naciones Unidas
Edificio Mansión Blanca Torre Londres, Piso 11
Quito, Ecuador
Privacy Rights under Ecuador’s Law
Privacy Rights under Ecuador’s Law
- Right to Information: You have the right to know everything about how your data is used, the purpose, who handles it, how long it's stored, whether it will be shared, and how you can exercise your rights. This information must be clear, simple, and in your preferred language.
- Right of Access: You can request, free of charge, all the personal data an entity has about you. You don’t need to justify your request, and they must respond within 15 days.
- Right to Rectification and Update: If your data is incorrect or outdated, you can request that it be corrected. You only need to provide proof if necessary.
- Right to Erasure: You can request the deletion of your data if it’s no longer needed, was used without your consent, violates your rights, or if you simply withdraw your consent.
- Right to Object: You can refuse the use of your data, especially for advertising or if you disagree with how it's being used.
- Right to Data Portability: You can request your data in a digital format to take it to another company or service. You can also ask for it to be transferred directly.
- Right to Suspend Processing: You can request that the use of your data be paused while a dispute about its accuracy or legality is being resolved.
- Right Not to Be Solely Evaluated by Machines: You have the right to ensure that important decisions about you aren't made solely by algorithms. You can ask for explanations, present your observations, and even challenge the decision.
- Protection for Children and Adolescents: Their data cannot be used without the permission of their legal guardians, unless there’s a compelling public interest. From age 15, adolescents can give explicit consent.
- Right to Consultation: You can freely consult the National Register of Personal Data Protection to learn how your data is being used.
If you have additional questions related to your privacy, please contact us at privacy@palig.com, call us at (5932) 225‑3500 or vist us at:
Ave. República de El Salvador 1082 y Naciones Unidas
Edificio Mansión Blanca Torre Londres, Piso 11
Quito, Ecuador