Our Privacy Commitment to You

Last updated January 2005

OneAmerica Financial Partners and our affiliated companies recognize that the cornerstone of our success is the trust and confidence of our customers. To provide you with the most effective and convenient access to our broad range of products and services, OneAmerica and our affiliates must maintain information about you. Because keeping your information secure and private has always been one of our top priorities, you are not required to take any action with us to further protect your privacy.

This notice is to let you know how we collect information about you, the type of information we collect and what we may disclose to our affiliates and nonaffiliated third parties. It also details the steps we take to protect nonpublic personal information.

Collection of Information
Sharing and Use of Information
Protecting the Information
Consumer Reporting Information
Review and Access to Your Information
Our Continuing Commitment

Collection of Information
We must collect a certain amount of information to provide customer service, offer new products or services, evaluate benefits and claims, administer our products, and fulfill legal and regulatory requirements. Specific language and examples may not apply to all customers, and the information we collect varies accordingly. Examples include:

  • information on your application and related forms, such as name, address, date of birth, Social Security number, gender, marital status, assets, income, investment option elections and driving history;
  • information about your relationship with us, such as products or services purchased, account balances, payment history and claims history;
  • information provided by your employer, benefits plan sponsor or association regarding any group product you may have, such as name, address, Social Security number, age, income and marital status;
  • information from a consumer reporting agency, such as consumer's creditworthiness and credit history;
  • information from other sources, such as motor vehicle reports, medical information and demographic information; and
  • information from visitors to our Web sites, such as that provided through online forms, site visit data and online information-collecting devices known as "cookies." Cookies enable the site to "remember" who you are so you can navigate the site easier. They also permit you to access secured information and conduct secured transactions. We do not record personal or sensitive information in our cookies.

Sharing and Use of Information
While acknowledging the importance of protecting customer information, we may find it necessary in the course of conducting business to disclose information we collect about you. This would occur in some or all of the following circumstances, as permitted by law:

  • Information may be shared with our affiliates to enable them to provide customer service or account maintenance.
  • Information may be shared with nonaffiliated third parties (as permitted by law) who are assisting us by performing services or functions on our behalf, such as agents, brokers, brokerage firms, insurance companies, administrators and service providers.
  • Information may be shared with other financial service companies, such as banks, insurance companies and securities brokers or dealers, with whom we have written joint marketing agreements.
  • Information may be shared with nonaffiliated third parties as permitted or required by law, such as compliance with a subpoena, fraud prevention or compliance with an inquiry from a government agency or regulator.
  • Personal health information will be shared only with proper written authorization or as required by law. We will not share medical information or motor vehicle reports for marketing purposes.
  • Information may be shared with our affiliates so they may tell you about other products or services offered that might be useful or beneficial to you.

Protecting the Information
We are committed to upholding our pledge to maintain the security of our customers' personal information. To ensure such information is used only in the manner we have described in this policy, we have instituted the following safeguards:

  • Employees are required to comply with our established privacy policies and procedures, which exist to protect the confidentiality of customer information. Any employee who violates our privacy policies will be subject to a disciplinary process.
  • Employees access the information only on a business need-to-know basis, such as to pay benefits or claims, underwrite a policy, administer a plan or service a customer request.
  • We use manual and electronic security procedures to maintain the confidentiality of the information we collect and to guard against its unauthorized access. Such methods include locked files, user authentication, encryption and firewall technology.

Consumer Reporting Information
If required by law and upon written request, we will inform you whether a consumer report was requested, as well as the name and address of the consumer reporting agency that furnished the report.

If permitted by law, we may share credit reporting information about you with our affiliates. Under the Fair Credit Reporting Act, you may direct us not to share certain credit information with our affiliates, including some nonpublic personal information you provide in your application or that we obtain from nonaffiliated third parties, such as credit bureaus. If you don't want such credit information shared, you may write to us at the address below. Please provide your name, address, Social Security number and account number(s). Your request not to share credit information does not include information we are permitted by law to share with our affiliates, such as information related solely to our experiences or transactions with you, including account balance and payment history.

Review and Access to Your Information
If required by law and upon written request, we will make information from your file available for your review. We are unable to provide information collected in connection with, or in anticipation of, any claim or lawsuit or any medical information we have obtained from a health care provider.

If you notify OneAmerica that any information is incorrect, we will review it. If we agree, we will correct our records. If we do not agree, you may submit a short statement of dispute, which will be included in any future disclosure of information.

If you have any questions about the right of access or wish access to your file (as permitted by law), please contact us at the address below and include a copy of your personal identification, such as a driver's license or photo identification.

Privacy Official
 American United Life Insurance Company®
P.O. Box 368
Indianapolis, IN 46206-0368

Our Continuing Commitment
We will continue to provide this notice at the frequency required by law and will notify customers of any modification at least annually.

We will continue to follow the policies set forth in this notice even when a customer relationship no longer exists. However, that party will no longer be entitled to an annual notice.

This notice is being provided on behalf of the following OneAmerica affiliates:

  • American United Mutual Insurance Holding Company
  • OneAmerica Financial Partners, Inc.
  • American United Life Insurance Company®
  • The State Life Insurance Company
  • AUL Reinsurance Management Services, LLC
  • AUL Reinsurance Management Services (Bermuda) Ltd.
  • AUL Reinsurance Management Services Canada Ltd.
  • CNL Financial Corporation
  • Cherokee National Life Insurance Company
  • CNL/Insurance America, Inc.
  • CNL/Resource Marketing Corp.
  • CNL Technology Group, Inc.
  • Commodore National Reinsurance Company, Ltd.
  • OneAmerica Securities, Inc.
  • Pioneer Mutual Life Insurance Company*
  • R.E. Moulton, Inc.

Our privacy commitment to you also extends to those companies with which we affiliate during the next 12 months.

*A stock subsidiary of American United Mutual Insurance Holding Company.