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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
Country Regulation
PRIVACY NOTICE
At Pan American Life, S.A., Seguros de Personas, we value your privacy and the respect for your personal information. Therefore, we would like to clearly and simply explain how we protect your data.
This notice is based on the Law on the Protection of Personal Data of El Salvador and on our global data protection policies. Its purpose is to inform you about what information we collect, why we collect it, how we use it, what your rights are, and how you may exercise them.
We want you to feel confident that your data is handled responsibly and securely, always managed under the principles of transparency, security, and confidentiality that define us.
Data We Collect About You:
To offer better services and personalized attention, we collect personal information such as the following:
Category of Information | How We Use Your Information | Conditions |
Personal Data (name, address, email address, telephone number, etc.) | To identify you, contact you, and provide services and coverage that best suit your needs. | Informed consent is required. The data must be used solely for legitimate, specific, and previously communicated purposes. |
Financial Data (banking information, payment history, income) | To process payments related to your policies and claims, and to fulfill contractual or legal obligations. | This sensitive information may only be processed if it is directly related to the service provided. It is subject to strict confidentiality and enhanced security measures. |
Clinical and Health Data (diagnoses, treatments, health‑related information, prognos | To manage the most appropriate coverage according to your needs and to respond to your inquiries or coverage claims, as well as to comply with legal obligations. | Pan American Life will only process your sensitive information with your consent and for the purpose of safeguarding your health and protection, as well as that of your beneficiaries. |
Purpose of Processing
In this regard, and with full respect for your rights, the principle of lawfulness, and informed consent, as well as for the maintenance and updating of the contractual relationship between you and the Company, we use your data for the following purposes:
- To establish and regulate the rights and obligations arising from the contracting of insurance or reinsurance services.
- To provide accurate quotations and include you in an appropriate insurance policy.
- To manage risks and handle claims or insured events.
- To carry out claims’ adjustment procedures, process indemnity payments, and perform other operations related to contracted or prospective insurance and reinsurance services.
- To provide technical support and respond to your requests regarding contracted services.
- To comply with applicable legal and contractual obligations.
- To send communications related to your policy or products offered by companies within the same corporate group.
- To improve service offerings and promote products tailored to your specific needs.
Rights of the Data Subject
As a policyholder, you have the right to access, rectify, cancel, or object to the processing of your personal data. You may also exercise your rights to data portability, erasure (“right to be forgotten”), and restriction of processing, or revoke any consent previously granted for its use.
The processing of your data is carried out in accordance with the Law on the Protection of Personal Data of El Salvador, which ensures that all handling of personal information is conducted lawfully, transparently, and with your prior, free, and informed consent (Article 4, subsection d, and Article 28).
These rights are designed to protect your privacy and give you control over how your personal data is used.
How to Exercise Your Rights
If you wish to exercise any of your rights, you may submit your request by clicking here, or by sending it directly to our Data Protection Officer, Mr. Marvin Argüello, at the following email address: Marguello@palig.com.
To properly process your ARCO‑POL rights request, it is important that your submission includes the following information:
- Identification and contact details of the data subject, along with the means to receive notifications.
- Documents that verify the identity of the data subject, and if applicable, of their authorized representative.
- A clear and precise description of the personal data subject to the exercise of ARCO‑POL rights.
- In the case of requests for rectification, the incorrect data must be identified along with the correction to be made and supporting documentation that proves the inaccuracy.
- Any data, documents, or records that may help locate the personal data in question.
Data Transfer
When necessary, we may share your personal information with affiliates and trusted business partners for limited processing purposes that allow us to carry out daily business operations, such as claims processing, and with other companies to provide services on our behalf, such as website hosting or information delivery. We may also disclose your personal information if required by applicable law or if we believe in good faith that such action is necessary to comply with legal requirements or respond to court orders, to protect and defend our rights or property, or in urgent circumstances to protect the personal safety of any individual.
At Pan American Life, the security and confidentiality of information are fundamental. Therefore, we implement administrative, IT, technical, and physical security measures to protect your information against unauthorized access or fraudulent use, blocking potential intrusions and safeguarding your data.
Security systems are reviewed periodically to implement improvements and technological innovations that better protect information. However, the responsibility and care of the client or user are essential to cover other areas of security that depend exclusively on the information owner, such as the definition and use of passwords or access keys to our systems as a user (applications, web services, among others). Therefore, it is important that the client or user also keeps such information always secure.
Information Collected Directly from our website
In most cases, you may visit our websites without providing any personal information. However, on certain pages, you may choose to provide your personal information (i.e., information that identifies you or can reasonably be used to identify you) by completing forms. This includes personal information you provide when:
- Requesting information about our products or services.
- Creating an account on our website.
- Subscribing to our periodic informational emails.
- Requesting marketing information.
- Participating in a contest, promotion, or survey.
- Providing feedback or contacting us.
- Applying for employment.
You are not required to provide any of the above‑mentioned information. However, if you choose not to do so, we may be unable to provide the requested service or complete your transaction.
Use of Cookies and Similar Technologies
Our websites use cookies, which are small files stored in your browser to enhance your experience. These cookies help us understand how often you visit the site, how you use it, and your preferences, such as language or username.
Our websites and portals include a banner through which you can identify all cookies used on that site or portal and obtain additional information about them. The banner also allows you to review the classification of cookies and provide consent according to your usage preferences. If you decide to change your cookie preferences, you may always refer to the “Cookie Preferences” link located at the bottom of our websites and portals. To learn more about our use of cookies, you may visit our Privacy Policy here.
Changes or Updates to Our Privacy Notice:
Pan American Life reserves the right to make modifications to this privacy notice, and any changes will be communicated through
If you have any questions regarding this notice or our privacy policy, you may contact our office located at: Edif. PALIC, Alameda Dr. Manuel Enrique Araujo y Calle Nueva #1, Col. Escalón, San Salvador District. Phone: 2209‑2773 or by sending an email to the Data Protection Officer at: marguello@palig.com
Last Updated: September 8, 2025