Privacy Policy
Introduction
Minnesota Benefit Association’s mission is to provide benevolent benefits and services to Minnesota public sector employees and their family. In order to accomplish this, we collect certain information regarding our members.
We protect your personal information using industry-leading safeguards.
We may share your information only with your consent or as required by law. The Minnesota Benefit Association has never sold its members information and has no intention to do this in the future. Your information will only be used in the normal course of Minnesota Benefit Association business matters in pursuit of its mission.
This Privacy Policy applies to the Minnesota Benefit Association and also the insurance department at the Minnesota Benefit Association. We may modify this Privacy Policy from time to time. If we make material changes to it, we will provide notice through our Service, or by other means so that you may review the changes. If you object to any changes, you may close your membership account with the Minnesota Benefit Association. Continuing to use our Services after we publish or communicate a notice about any changes to this Private Policy means that you are consenting to the changes.
1.What information we collect
1.1. Data Controllers
Our Privacy Policy applies to any member. We collect information when you use our services to offer you a personalized and relevant experience, including viewing your benefits and services. The personal information provided to or collected by our Services is controlled by the Minnesota Benefit Association and its contracted insurance administrator Benafica, LLC, at 6701 Upper Afton Road, Ste 200, Saint Paul, Minnesota 55125. If you have any concern about providing information to us or having such information displayed on our Services or otherwise used in any manner permitted in this Privacy Policy, you should not become an active member or otherwise use our Services.
We collect personal information in the following ways:
1.2. Registration
When you create an account with us, we collect information.
To create an account with the Minnesota Benefit Association, you must (1) provide us with your name, email address, phone number, house address, gender, and birth date; and (2) agree to this Privacy Policy, which governs how we treat your information. You understand that by creating an account, you will be able eligible for insurance policies and other products through your Minnesota Benefit Association profile.
1.3. Customer Service
We collect information when you contact us for customer support.
When you contact our customer support services, we may have to access your personal data to collect information we need to categorize your question, respond to it, and, if applicable, investigate any breach of our Privacy Policy. We also use this information to track potential problems and trends and customize our support responses to better serve you.
1.4. Other
We are constantly innovating to improve our Services, which means we may create new ways to collect information on the Services.
Our Services are within an innovative environment, which means we are always seeking to improve the Services we offer you. We may introduce new features, some of which may result in the collection of new information.
2. How we use your personal information
2.1. Consent to Minnesota Benefit Association Processing Information About You
The personal information that you provide to us will enable the creation of your Minnesota Benefit Association personal benefit account. By providing personal information to us, you are freely accepting and agreeing to our processing of your personal information in ways set out by this Privacy Policy. You can withdraw or modify your consent to our collection and processing of the information you provide at any time, in accordance with the terms of this Privacy Policy, by contacting Minnesota Benefit Association and requesting the cancellation of your account.
2.2. Benafica Communications
We communicate with you using the messaging service found in the Minnesota Benefit Association software application, as well as via email. The software application also tracks if you request paper communication only and opt-out of email communications. We may send you messages relating to your Services (which includes your insurance policies), Security and other Service-related issues. You can change your email settings at any time.
2.3. User Communications
When you send a message to us regarding any question you have, we are able to see your name, email address and policy number. This information is to allow us to help better your user experience.
2.4 Compliance with Legal Process and Other Disclosures
We may disclose your personal information if compelled by law, subpoena, or legal process, or if necessary to enforce our user agreement.
It is possible that we may need to disclose personal information, or information about your policies when required by law, subpoena, or other legal process in the United States. We will notify members about legal demands for their personal information when appropriate in our judgment, unless prohibited by law or court order when the request is an emergency.
3. Your Choices and Obligations
3.1. Rights to Access, Correct, or Delete your Information, and Closing Your Account
You have a right to (1) access, modify, correct, or delete your personal information controlled by Minnesota Benefit Association regarding your profile; and to (2) close your account. We will delete your account upon request.
3.2. Data Retention
We keep your information for as long as your benefits are active or as needed. For example, we may keep certain information even after you close your account or policy if it is necessary to comply with our legal obligations, meet regulatory requirements, resolve issues and to prevent fraud, or enforce this agreement.
We retain the personal information you provide while your account is in existence or as needed to provide you services. We may retain your personal information even after you have closed your account if retention is reasonably necessary to comply with our legal obligations, meet regulatory requirements, resolve issues and to prevent fraud, or enforce this Privacy Policy and our User Agreement. We may retain information, for a limited period of time, if requested by law enforcement. Our Customer Service may retain information for as long as is necessary to provide support-related answers to members.
4.Important Information
4.1. Requirements
For the insurance department at the Minnesota Benefit Association, individuals, employers and associations must select the insurance plans of their choice with the assistance of licensed Personal Benefit Counselors, otherwise known as insurance agents.
4.2. Changes to this Privacy Policy
We will notify you when we change this Privacy Policy.
We may change this privacy Policy from time to time. If we make significant changes in the way we treat your personal information, or to the Privacy Policy, we will provide notice to you via email or within the application. Please review the changes carefully. If you agree to the changes, simple continue to use our Services. If you object to any of the changes to our terms and you no longer wish to use our Services, you may close your account. Unless stated otherwise, our current Privacy Policy applied to all information that we have about you and your account. Using our Services after a notice of changes has been communicated to you or published on our Services shall constitute consent the changed terms of practices.
4.3 Security
We take privacy and security seriously and have enabled HTTPS access to our site. Also, please know that the internet is not a fully secure environment, so be careful and select a strong password.
We have implemented security safeguards designed to protect the personal information that you provide in accordance with industry leading standards. Access to your data on our Services is password-protected. Since the internet is not a 100% secure environment, we cannot ensure or warrant the security of any information that you transmit to us. It is your responsibility to protect the security of your login information. Please help keep your account safe by using a strong password.