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Continental LTC, Inc. Privacy Policy

Last modified: June 21, 2019

  1. Introduction

    This Privacy Policy describes how Continental collects and uses Personal Data about you through the use of our Website and through email, text, and other electronic communications between you and Continental.

    Continental LTC, Inc. (“Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.

    This Privacy Policy (our “Privacy Policy”) describes the types of information we may collect from you or that you may provide when you visit the websites https://www.continental-ins.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

    This policy applies to information we may collect:

    • On our Website.

    • In email, text, and other electronic messages between you and our Continental.

    • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

    It does not apply to information collected by:

    • us offline or through any other means, including on any other website operated by Continental or any third party (including our affiliates and subsidiaries); or

    • any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website

    Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This Privacy Policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check this Privacy Policy periodically for updates.

  2. Children Under the Age of 18

    Our Website is not intended for children under the age of 18 and children under the age of 18 are not permitted to use our Website. We will remove any information about a child under the age of 18 if we become aware of it.

    Our Websites are not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Websites. We do not knowingly collect Personal Data from children under 18. If you are under 18, do not use or provide any information on our Websites. If we learn we have collected or received Personal Data from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at ltcclientservices@continental-ins.com.

  3. Information We Collect About You and How We Collect It

    We collect information different types of information about you, including information that may directly identify you, information that is about you but individually does not personally identify you, and information that we combine with our other users. This includes information that we collect directly from you or through automated collection technologies.

    Generally

    We collect several types of information from and about users of our Websites, specifically information:

    • by which you may be personally identified, such as name, postal address, e-mail address, telephone number (“Personal Data”) or

    • about your internet connection, the equipment you use to access our Website and usage details.

    We collect this information:

    • Directly from you when you provide it to us.

    • Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies

    Information You Provide to Us

    The information we collect on or through our Websites are:

    • information that you provide by filling in forms on our Websites. This includes information provided at the time of [registering to use our Websites,] [subscribing to our service,] [posting material,] [or requesting further services]. We may also ask you for information [when you enter a contest or promotion sponsored by us, and] when you report a problem with our Websites or

    • records and copies of your correspondence (including email addresses), if you contact us;

    The Personal Data we collect from you is required to enter into a contract with Continental, for Continental to perform under the contract, and to provide you with our products and services. If you refuse to provide such Personal Data or withdraw your consent to our processing of Personal Data, then in some cases we may not be able to enter into the contract or fulfill our obligations to you under it.

    Information We Collect Through Automatic Data Collection Technologies

    As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, specifically:

    • details of your visits to our Website, specifically traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.

    • Information about your computer and internet connection, specifically your IP address, operating system, and browser type.

    The information we collect automatically is statistical data and does not include Personal Data. It helps us to improve our Website and to deliver a better and more personalized service by enabling us to:

    • estimate our audience size and usage patterns;

    • store information about your preferences, allowing us to customize our Website according to your individual interests;

    • speed up your searches; and
    • recognize you when you return to our Website.

  4. How We Use Your Information

    We use your Personal Data for various purposes described below, including to:

    • provide our Website to you;

    • provide you with information you request from us;

    • enforce our rights arising from contracts;

    • notify you about changes; and

    • provide you with notices about your account

    We use information that we collect about you or that you provide to us, including any Personal Data:

    • To present our Website and their contents to you.

    • To provide you with information, products, or services that you request from us.

    • To fulfill any other purpose for which you provide it.

    • To provide you with notices about your account, including expiration and renewal notices.

    • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

    • To notify you about changes to our Websites or any products or services we offer or provide though them.

    • In any other way we may describe when you provide the information.

    • For any other purpose with your consent.

  5. Disclosure of Your Information

    We do not share, sell, or otherwise disclose your Personal Data for purposes other than those outlined in this Privacy Policy. We disclose your Personal Data to a few third parties, including:

    • our subsidiaries and our affiliates;

    • our third party service providers that we use to support our business;

    • to a company we merge, acquire, or that buys us, or in the event of change in structure of our company of any form;

    • to comply with our legal obligations;

    • to enforce our rights; and

    We do not share, sell, or otherwise disclose your Personal Data for purposes other than those outlined in this Privacy Policy. However, we may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

    We may disclose Personal Data that we collect or you provide as described in this privacy policy:

    • To our subsidiaries and affiliates.

    • To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Data confidential and use it only for the purposes for which we disclose it to them. Specifically, these entities provide IT and infrastructure support services.

    • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Continental LTC, Inc.’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Continental LTC, Inc. about our Websites’ users is among the assets transferred.

    • To fulfill the purpose for which you provide it. For example, if you give us an email address to use the “email a friend” feature of our Website, we will transmit the contents of that email and your email address to the recipients.

    • For any other purpose disclosed by us when you provide the information.

    • With your consent.

    We may also disclose your Personal Data:

    • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

    • To enforce or apply our terms of use and other agreements, including for billing and collection purposes.

    • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Continental LTC, Inc., our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

  6. Choices About How We Use and Disclose Your Information

    We offer you choices on how you can opt out of our use of tracking technology, disclosure of your Personal Data for third-parties to advertise to you, our advertising to you, and other targeted advertising.

    We do not control the collection and use of your information collected by third parties described above in Disclosure of Your Information. When possible, these organizations are under contractual obligations to use this data only for providing the services to us and to maintain this information strictly confidential. These third parties may, however, aggregate the information they collect with information from their other customers for their own purposes.

    You can learn more about interest-based advertisements and your opt-out rights and options from members of the Network Advertising Initiative (“NAI”) on its website (www.networkadvertising.org) and from members of the Digital Advertising Alliance on its website (www.aboutads.info). We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can also opt out of receiving targeted ads from members of the NAI on its website.

  7. Your Rights Regarding Your Information and Accessing and Correcting Your Information

    You may have certain rights under applicable data protection laws, including the right to access and update your Personal Data, restrict how it is used, transfer certain Personal Data to another controller, withdraw your consent at any time, and the right to have us erase certain Personal Data about you. You also have the right to complain to a supervisory authority about our processing of your Personal Data.

    Applicable data protection laws may provide you with certain rights with regards to our processing of your Personal Data.

    • Access and Update. You can review and change your Personal Data by logging into the Websites and visiting your “Account” page. You may also notify us through the contact information below [or through our Websites’ live chat features] of any changes or errors in any Personal Data we have about you to ensure that it is complete, accurate, and as current as possible. Please note that if you request access to your Personal Data other than through our Websites, you may be charged a fee subject to a maximum set by applicable law. We may also not be able to accommodate your request if we believe it would violate any law or legal requirement or cause the information to be incorrect.

    • Restrictions. You have the right to restrict our processing of your Personal Data under certain circumstances. In particular, you can request we restrict our use of it if you contest its accuracy, if the processing of your Personal Data is determined to be unlawful, or if we no longer need your Personal Data for processing, but we have retained it as permitted by law.

    • Withdrawal of Consent. To the extent that our processing of your Personal Data is based on your consent, you may withdraw your consent at any time by closing your account. Withdrawing your consent will not, however, affect the lawfulness of the processing based on your consent before its withdrawal, and will not affect the lawfulness of our continued processing that is based on any other lawful basis for processing your Personal Data.

    • Right to be Forgotten. You have the right to request that we delete all of your Personal Data. We cannot delete your Personal Data except by also deleting your user account, and we will only delete your account when we no longer have a lawful basis for processing your Personal Data or after a final determination that your Personal Data was unlawfully processed. We may not accommodate a request to erase information if we believe the deletion would violate any law or legal requirement or cause the information to be incorrect. In all other cases, we will retain your Personal Data as set forth in this policy. In addition, we cannot completely delete your Personal Data as some data may rest in previous backups. These will be retained for the periods set forth in our disaster recovery policies.

    • Complaints. You have the right to lodge a complaint with the applicable supervisory authority in the country you live in, the country you work in, or the country where you believe your rights under applicable data protection laws have been violated. However, before doing so, we request that you contact us directly in order to give us an opportunity to work directly with you to resolve any concerns about your privacy.

    • How You May Exercise Your Rights. You may exercise any of the above rights by contacting us through any of the methods below and through the live chat feature of our Websites. If you contact us to exercise any of the foregoing rights, we may ask you for additional information to verify your identity. We reserve the right to limit or deny your request if you have failed to provide sufficient information to verify your identity or to satisfy our legal and business requirements.

  8. Your California Privacy Rights

    Under some circumstances, California law may provide you with the right to obtain a list of third parties (if any) that we provide your Personal Data to for their own direct marketing purposes.

    California Civil Code Section 1798.83 (California’s “Shine the Light” law) permits users of our Websites that are California residents and who provide Personal Data in obtaining products and services for personal, family, or household use to request certain information regarding our disclosure of Personal Data to third parties for their own direct marketing purposes. If applicable, this information would include the categories of Personal Data and the names and addresses of those businesses with which we shared your Personal Data with for the immediately prior calendar year (e.g. requests made in 2019 will receive information regarding such activities in 2018). You may request this information once per calendar year. To make such a request, please send an email to ltcclientservices@continental-ins.com.

  9. Do Not Track Signals

    We may use automated data collection technologies to track you across websites. We do not track you over time and across other third-party websites or services. We currently do not honor do-not-track signals that may be sent by some browsers.

    We may use automated data collection technologies to collect information about your online activities. Some web browsers permit you to broadcast a signal to websites and online services indicating a preference that they “do not track” your online activities. At this time, we do not honor such signals and we do not modify what information we collect or how we use that information based upon whether such signal is broadcast or received.

  10. Data Security

    We retain your Personal Data for as long as you keep your account open. In some instances, we may keep it after you close your account, for example we may keep it:

    We have implemented measures designed to secure your Personal Data from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

    The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

    Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Data, we cannot guarantee the security of your Personal Data transmitted to our Website. Any transmission of Personal Data is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

  11. Data Retention Periods

    Information transmitted over the Internet is not completely secure, but we do our best to protect your Personal Data. You can help protect your Personal Data and other information by keeping your password to our Websites confidential.

    • on our backup and disaster recovery systems;

    • for as long as necessary to protect our legal interests; and

    • to comply with other legal requirements.

    Continental will retain your personal data for the entire time that you keep your account open. After you close your account, we may retain your Personal Data:

    • for as long as necessary to comply with any legal requirement;

    • on our backup and disaster recovery systems in accordance with our backup and disaster recovery policies and procedures;

    • for as long as necessary to protect our legal interests or otherwise pursue our legal rights and remedies; and

    • for data that has been aggregated or otherwise rendered anonymous in such a manner that you are no longer identifiable, indefinitely.

  12. Changes to Our Privacy Policy

    We will post any changes to our Privacy Policy on our Website. If we make material changes to our Privacy Policy, we may notify you of such changes through your contact information and invite you to review (and accept, if necessary) the changes.

    We may change this Privacy Policy at any time. It is our policy to post any changes we make to our Privacy Policy on this page. The date this Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Websites and this Privacy Policy to check for any changes.

  13. Contact Information

    You may contact our Continental through the contact information below. [If you wish to contact us, you must contact both us and our representative through the contact information below or through the “Contact Us” page on our Websites.

    If you have any questions, concerns, complaints or suggestions regarding our Privacy Policy, have any requests related to your Personal Data pursuant to applicable laws, or otherwise need to contact us, you must contact us at the contact information below or through the “Contact” page on our Websites.


To Contact Continental LTC, Inc.
Continental
P.O. Box 203098
Austin, TX 78720-3098
ltcclientservices@continental-ins.com