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   privacy policy

Product Information

Privacy Policy and Practices of  CL Consulting, Inc.

We, at   CL Consulting, Inc., respect our customers’ privacy. We want our customers to be well informed about and comfortable with our information practices. The following privacy policy and disclosure the types of nonpublic personal information we collect, how we protect nonpublic personal information, and the limited basis we share nonpublic personal information.

 CL Consulting, Inc. collects and shares Personal Information only as permitted by law and to service the clients’ transactions to support related business functions.

I. Collection of Information
We collect nonpublic personal information, as permitted by law, about your clients from the following sources:

Applications or other forms.
Consumer reporting agencies.
Our employees, agents, and third party affiliates.
Needs analysis, telephone calls, service requests and other communications.
Physicians and other medical practitioners, which may include your clients’ medical history, current health, and treatments and medications they may be taking.
Motor vehicle reports and/or other demographic information.
Please Note: Health information is used only for underwriting purposes, or administering a claim, or other insurance functions provided on behalf of the insured, unless otherwise permitted by the insured or applicable law.

II. Sharing of Information
We may share Personal Information, collected as disclosed in Section I above, solely to service your clients’ transactions and to support our business functions. In that capacity we may share such personal information, with the following among others:

Brokerage firms
Insurance companies
Service providers
Administrators
 

III. Policies and Procedures to Protect Information
 CL Consulting, Inc. restricts access to nonpublic personal information to those employees or service providers who need the information to provide products or services. The policies and procedures used by   CL Consulting, Inc. are designed to: (i) ensure the security and confidentiality of customer information, (ii) protect against any reasonably anticipated threats and or hazards to the security and integrity of customer records and information; and (iii) protect against unauthorized access to, and use of customer records or information that could result in substantial harm or inconvenience to any customer.

A. Physical Records
Non-public personal information that is maintained by MorstanPlus in hard copy is safeguarded in full compliance with all applicable law.
 

B. Information Systems
Internal systems are regulated to ensure that only authorized   CL Consulting, Inc. employees can access the information contained in the system;
Our website (www.clconsultinginc.com and additional content-related websites), and certain other electronic files are encrypted;
Systems and procedures are in place to provide warnings of possible attacks or intrusions into information systems.
 

C. Employees
Employees receive training regarding   CL Consulting, Inc.’ Privacy Policy and the issuance of the privacy notice.
Employees are required to execute an acknowledgement form following review of   CL Consulting, Inc.’ Privacy Policy.
 

D. Brokers/Agents/Third Party Service Providers
Individuals, companies and other entities that access products and services from   CL Consulting, Inc. must agree to safeguard nonpublic personal information about customers pursuant to   CL Consulting, Inc.’ Privacy Policy.
Third party service providers must agree to safeguard customers’ nonpublic personal information pursuant to   CL Consulting, Inc.’ Privacy Policy.
 

IV. Cookies
 CL Consulting, Inc. does NOT utilize Cookies in any way.

V. Security
 CL Consulting, Inc. attaches the highest importance to security. We want all users of our Site to be confident in the security of the site and the safety of all transactions undertaken on this Site. The numerous security features of this Site include:

128 bit SSL encryption: Encryption is the scrambling of information for transmission back and forth between two points. This technology allows for secure transmittal on the Internet by encoding the data using a mathematical formula that scrambles the data. A key is then required to decode the transmitted data ;
Session Timeouts: For added protection, all web sessions will expire after 20 minutes of inactivity. This means that after 20 minutes of inactivity you will have to re-enter your user name and password in order to continue using the Site.
User Responsibilities and Limitation of Liability

Any and all brokers, agents, or other users of this site, are expected to comply with all legal obligations prior to providing any client information to   CL Consulting, Inc.. In entering and utilizing this site, the user is representing to   CL Consulting, Inc. that prior to furnishing any client information to   CL Consulting, Inc., the client has been provided with all legal disclosures including but not limited to Privacy Disclosures.

IN NO EVENT SHALL   CL Consulting, Inc. NOR ANY THIRD PARTY CARRIERS MENTIONED AT THIS SITE BE LIABLE FOR ANY CLAIMS OR DAMAGES, SPECIAL, DIRECT, CONSEQUENTIAL, INDIRECT, OR OTHERWISE, THAT MIGHT RESULT FROM ANY CLIENT INFORMATION PROVIDED TO   CL Consulting, Inc.. THIS INCLUDES INFORMATION PROVIDED TO   CL Consulting, Inc. VIA THIS SITE AND INFORMATION PROVIDED TO   CL Consulting, Inc. THROUGH ANY OTHER MEANS. SHOULD IT EVER BE NECESSARY,   CL Consulting, Inc. EXPECTS ANY USER OF THIS SITE TO PROVIDE   CL Consulting, Inc. UPON REQUEST WITH PROOF OF COMPLIANCE WITH ALL APPLICABLE LAW AS REGARDS THE FURNISHING OF CLIENT INFORMATION TO   CL Consulting, Inc..

 CL Consulting, Inc. Privacy Notice
This Privacy Notice is provided on behalf of   CL Consulting, Inc. pursuant to applicable law, including, but not limited to the Gramm-Leach-Bliley (GLB) Act, which deals in part with how the financial services industry handles nonpublic personal financial information.

To that extent,   CL Consulting, Inc. collects and shares information as follows:

INFORMATION COLLECTED
It is necessary to collect certain personal information in order to provide customer service, offer new products or services, evaluate benefits and claims, administer products, and fulfill legal and regulatory requirements. Therefore, as part of our servicing of requests, we may obtain certain nonpublic personal.

Sources of Information may include:

Facts and data that we receive from or relating to medical providers, medical field examiners, medical information providers, government agencies, current or past employers, credit agencies and/or other authorized persons on applications, company required forms, feedback forms, client/account information forms, needs analyses, telephone calls, service requests, correspondence, process requests, claim forms and other processing forms;
Facts and data about transactions with us, our affiliates or others; and facts and data we receive from consumer reporting agencies.
Information Collected may include:

The particular name, address, telephone number, email address, date of birth, Social Security number, age, gender, marital status, assets, bank account number(s) and financial statistics;
Relationship with us, such as products or services purchased, policy values, payment history and claims history;
Employment history, such as occupation(s), income and employer(s) and years of service with employer(s);
Creditworthiness and credit history;
Criminal record;
Medical information, such as health background and health status; and
Broker license number and expiration date.

INFORMATION SHARED

With respect to the information we collect:

We will seek to reasonably verify that any one requesting information about you, your clients’ or your clients’ relationship with us is entitled to such information. For example, we may give information to heirs/beneficiaries concerning the existence and amount of life insurance and annuity contracts following receipt of notice of the death of an insured or an annuitant;
We require any organization that provides assistance to us in administering or reinsuring contracts or providing services on our behalf to maintain the confidentiality of personal information and not use such information for any other purpose;
We do not allow non-affiliates to offer their products and services without our consent; and
The law does permit us to share information about agent, brokers, or your clients with our affiliates, insurance companies and insurance service providers.
If we change our privacy practices, we will provide you with notification as required by applicable law.


It is our goal to ensure that all the information we collect is accurate and complete. We are relying on the user of this site to confirm the accuracy and completeness of any information provided.

NO ACTION IS REQUIRED BY YOU

You do not need to do anything as a result of this notice. It is meant to inform you of how we safeguard your nonpublic personal information. You may wish to file this notice with your insurance papers.

Your trust and confidence is important to us and we strive to maintain your continued trust.





 

 

 

 

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