Welcome to the Renaissance Group Insurance System (the “Software”), a proprietary software as a service available from Renaissance Life & Health Insurance Company of America and Renaissance Life & Health Insurance Company of New York (“Renaissance”) at www.renbenefitsmanager.com (the “Site”) that electronically facilitates the administration of a Group Insurance Policy issued by Renaissance. Renaissance respects the privacy of information provided by each person accessing directly or through an authorized individual (“User”) the Software or the Site, and this policy covers Renaissance’s handling of information collected by it in connection with a User’s use of the Software or the Site.
In this policy, (a) “personal information” means any information that relates to an individual and that identifies, or can be used in conjunction with other reasonably available information to identify, such individual, and (b) “non-personal information” means any information that is not personal information. Each User is responsible for obtaining all approvals, authorizations, consents and permissions that are required in connection with such User’s providing Renaissance or any third party with any information (including, but not limited to, any personal information or non-personal information of a User, a User’s employee or a spouse, child or other family member of a User’s employee) in connection with such User’s use of the Software or the Site.
Each User should review this policy carefully, and be sure User understands it, prior to using the Software or the Site. Use of the Software or the Site by a User is deemed to be irrevocable acceptance by such User of this policy. If a User does not agree to this policy, such User should not use, and should immediately terminate use of, the Software and the Site.
Each User agrees that Renaissance may collect the following, referred to as “Account Data”:
No Account Data is obtained from a User, unless it is voluntarily provided. Renaissance will retain Account Data in its primary and backup files only to an extent that is consistent with the purposes for which it was provided and for Renaissance's other legitimate business purposes (including, but not limited to, marketing).
A User may refuse at any time to provide Account Data when requested to do so in connection with such User’s use of the Software. However, if a User refuses to provide any Account Data when requested to do so in connection with such User’s use of the Software, such User may be required to terminate such User’s use of the Software or may not be able to access, or otherwise enjoy the benefits of, certain features of the Software.
A User may from time to time send Renaissance an email message in connection with such User’s use of the Software or the Site. If a User does so, Renaissance collects such User’s email address and the contents of a User’s message (collectively “Mail Data”). Mail Data will be used by Renaissance to respond to such User, to send follow-up messages to a User, and for other legitimate business purposes (including, but not limited to, marketing).
Whether or not a User has previously sent Renaissance an email message, by using the Software or the Site, such User consents to Renaissance’s sending email messages and other electronic communications to such User (a) in connection with such User’s use of the Software or the Site, (b) in the ordinary course of Renaissance’s business or the business of any company affiliated with Renaissance, or (c) for any other legitimate business purpose (including, but not limited to, marketing) of Renaissance or a company affiliated with Renaissance. Since Renaissance and its affiliated companies endeavor to send electronic communications only to persons desiring to receive them, a User can unsubscribe to such electronic communications at any time by contacting Renaissance as set forth in Section 15 or by following the directions contained in such electronic communications.
When a User uses the Software or the Site, Renaissance automatically collects certain analytical information from such User’s computer (including, but not limited to, the computer’s access date and time, browser, connection speed, Internet protocol address, Internet service provider, language, location, manufacturer, activities while the Software or the Site is being used, and operating system), which does not personally identify an individual, through the use of cookies and log files (collectively “Analytical Data”). “Cookies” are code placed on a User’s computer by the Site that enable the Site to, among other things, (a) recognize the computer as a prior user of the Software or the Site, and (b) provide the Site with details of the computer’s prior use, whereas “log files” are files that record events occurring on Renaissance’s servers. A User’s browser may provide such User with the ability to not accept cookies, as well as the ability to delete already-existing cookies. If a User refuses, or deletes previously-existing, cookies from the Site, such User may not be able to enjoy some of the Software’s or the Site’s features.
Renaissance will use commercially reasonable efforts to protect Account Data and Mail Data from loss or unauthorized access, disclosure and use.
Since no transmission over the Internet, or electronic storage, of information is completely secure, it is possible that Account Data or Mail Data could be lost or accessed, disclosed or used without authorization, even if the party holding such data uses commercially reasonable efforts to protect such data from loss or unauthorized access, disclosure or use. In providing information in connection with a User’s use of the Software or the Site, such User must assume the risk that loss or unauthorized access, disclosure and use of such information could occur, and a User waives and releases all claims against Renaissance arising therefrom to the maximum extent permitted by law.
All information furnished to Renaissance in connection with a User’s use of the Site or the Software may be used by Renaissance for any legitimate business purpose (including, but not limited to, marketing), unless expressly stated otherwise in this policy. If Renaissance expressly states in writing that any such information will only be used for a specific purpose, Renaissance will only use it for such purpose, unless such User subsequently consents to its being used for another purpose.
Renaissance may at any time, in its sole discretion, disclose any information furnished to Renaissance in connection with a User’s use of the Software or the Site, whether or not such information was furnished for a specific purpose, to (a) third parties retained by Renaissance (including, but not limited to, any contractors or vendors of Renaissance) for any purposes for which Renaissance could use such information, (b) comply with, or as permitted by, any applicable law or comply with any government request, (c) cooperate with law enforcement, and other third parties, in investigating a claim of fraud, illegal activity or infringement of intellectual property rights, (d) protect the rights, property or legitimate business interests of Renaissance or a third party, or (e) transfer such information to a third party purchasing all, or substantially all, of Renaissance’s assets. While any Account Data or Mail Data is in the possession of a third party pursuant to clause (a) of the immediately preceding sentence, Renaissance will be responsible for such third party’s disclosing and using such Account Data and Mail Data in accordance with this policy.
Analytical Data will only be used by Renaissance (a) to record the use of the Software and the Site by a User’s computer, (b) to diagnose problems with the Software and the Site, (c) to improve the Software and the Site and make them more useful to all users, and (d) for other legitimate business purposes of Renaissance (including, but not limited to, marketing). Renaissance will collect Analytical Data either directly or by third parties acting on its behalf.
The Software and the Site may contain links to, or be accessible from, web sites provided by third parties (individually a “Third-Party Site”). A User’s use of a Third-Party Site will be subject to such Third-Party Site’s terms of use and other provisions, for which such User is responsible. This policy does not cover the privacy policies or practices of any Third-Party Site, and Renaissance is not responsible for any information submitted by a User to, or otherwise collected by, any Third-Party Site. Renaissance is only responsible for Account Data, Mail Data and Analytical Data obtained by it in connection with a User’s authorized use of the Software or the Site. A User should consult each Third-Party Site for its privacy policy or practice before submitting any information to, or otherwise using, such Third-Party Site. To the maximum extent permitted by law, a User waives and releases all claims against Renaissance arising from information submitted by a User to, or that is otherwise collected by, any Third-Party Site.
Renaissance does not warrant or represent that any Account Data, Mail Data or Analytical Data will be accurate or error-free, and each User is solely responsible for the accuracy of all Account Data and Mail Data furnished by such User.
This policy is governed by, and construed in accordance with, the laws of the state of Indiana, without regard to its principles of conflict of laws.
Any complaint by a User regarding any Account Data, Mail Data, Analytical Data or otherwise relating to this policy (including, but not limited to, any claim of a breach by Renaissance of this policy) must first be submitted to Renaissance as set forth in Section 15, and Renaissance must be given a reasonable opportunity of not less than 60 days to investigate and respond to such complaint. Upon Renaissance’s completing such investigation and so responding, Renaissance and such User must then attempt, in good faith, to promptly resolve any remaining aspects of such User’s complaint. If any aspect of such User’s complaint remains unresolved after a reasonable period of time, and such User decides to pursue other remedies, (a) such User may commence litigation against Renaissance in connection with the unresolved portion of such complaint only in a court located in Marion County, Indiana, and having subject matter jurisdiction over such complaint, and (b) such User consents to any such court’s being, and waives any objection (including, but not limited to, any such objection based on inconvenience) to such court’s not being, a proper venue for such complaint. Each User also waives any right to have a jury hear any litigation commenced by such User pursuant to this Section, and agrees that the presiding judge shall determine all issues of fact.
Except as set forth in this Section, this policy contains the entire agreement, and supersedes all prior oral and written agreements, proposals and understandings, between a User and Renaissance, with respect to any information collected by Renaissance through the Software or the Site. If a User uses the Software or the Site, such use will be subject to this policy, plus any other agreement between the parties that is applicable thereto (including, but not limited, any applicable terms of use and license agreement). To the extent there is any conflict or inconsistency between any provision of such other agreement and any provision of this policy, the former shall control.
Whenever possible, each provision of this policy shall be interpreted to be effective and valid under applicable law. If, however, any such provision shall be prohibited by, or invalid under, such law, it shall be deemed modified to conform to the minimum requirements of such law, or if for any reason it is not so modified, it shall be prohibited or invalid only to the extent of such prohibition or invalidity without the remainder of such provision, or any other provision of this policy, being prohibited or invalid.
Renaissance may revise any provision of this policy from time to time by (a) posting the revised provision so that it is accessible to a User in connection with such User’s use of the Software or the Site, or (b) notifying a User of the revised provision in an email message or other notice sent to such User at the address for such User in Renaissance’s records. Any such revision will take effect immediately upon such posting or a User’s receipt of such notice, and will apply to all information collected in connection with such User’s use of the Software or Site after such posting or receipt. It is a User’s responsibility to periodically check this policy on the Site for revisions to this policy. After updates are made, the Privacy Policy version date will also be updated to reflect that a revision has been made. A User will be deemed to have received any email message immediately upon its being sent to such User by Renaissance, or five days after it is placed in the U.S. mail, with postage prepaid, as set forth in this Section.
If you have any questions about Renaissance’s privacy policy, please contact us or write to our Privacy Officer at:
Renaissance Life & Health Insurance Company of America
225 S EAST STREET
P.O. BOX 1596
INDIANAPOLIS, INDIANA 46206-1596
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