We, at CL Consulting, Inc., respect our customers’ privacy. We want
our customers to be well informed about and comfortable with
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
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:
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.
Employees receive training regarding CL
Consulting, Inc.’ Privacy
Policy and the issuance of the privacy notice.
Employees are required to execute an acknowledgement form
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
Third party service providers must agree to safeguard
customers’ nonpublic personal information pursuant to
CL Consulting, Inc. does NOT utilize Cookies in any way.
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
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
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
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
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
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
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
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
Relationship with us, such as products or services
purchased, policy values, payment history and claims
Employment history, such as occupation(s), income and
employer(s) and years of service with employer(s);
Creditworthiness and credit history;
Medical information, such as health background and health
Broker license number and expiration date.
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
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
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.