Privacy Policy

PRIVACY POLICY HIGHLIGHTS

• We collect nonpublic personal information to process and administer our customers business.
• We have policies and procedures in place to protect nonpublic personal information about our customers.
• We do not sell nonpublic personal information about our customers to third parties, i.e., companies or individuals that are not affiliated with MorEquity.
• We do not disclose any nonpublic personal information about our customers to anyone, except as permitted by law or for which you have provided your consent.
• We do not share or use personally identifiable health information for marketing purposes.
• Our Privacy Policy applies to both current and former customers.

QUESTIONS AND ANSWERS

• MorEquity and its employees, representatives, agents and selected third parties as authorized by law may collect nonpublic personal information about our customers including, but not limited to: - Information provided to us, such as on applications or other forms - Information about transactions with us, our affiliates or third parties - Information from others, such as credit reporting agencies, employers and federal and state agencies.
• The types of nonpublic personal information MorEquity collects vary according to the products or services provided and may include, for example: account balances, income, assets, insurance premiums, credit reports, marital status and payment history. We also may collect nonpublic personal health information, like medical reports, for certain types of insurance policies in order to underwrite the policy, administer claims or perform other insurance or related functions.

• We restrict access to nonpublic personal information to those employees, agents, representatives or third parties who need to know the information to provide products and services to our customers.
• We have policies and procedures that give direction to our employees, and agents and representatives acting on our behalf, regarding how to protect and use nonpublic personal information.
• We maintain physical, electronic and procedural measures to protect nonpublic personal information.

• We do not share nonpublic personal information about our customers with anyone, including other affiliated MorEquity companies or third parties, except as permitted by law or with companies for which you have provided your consent.
• We may disclose, as allowed by law, all types of nonpublic personal information we collect when needed, to: (i) affiliated MorEquity companies, agents, employees, representatives and third parties that market our services and products and administer and service customer accounts on our behalf; or (ii) other financial institutions with whom we have joint marketing agreements.
• Examples of the types of companies and individuals to whom we may disclose nonpublic personal information include banks, attorneys, trustees, third-party administrators, insurance agents, insurance companies, insurance support organizations, credit reporting agencies, registered brokers/dealers, auditors, regulators, transfer agents and reinsurers.
• We do not share personally identifiable health information unless the customer or the applicable law authorizes further sharing.

• MorEquity's Privacy Policy applies, to the extent required by law, to its agents and representatives when they are acting on behalf of MorEquity.
• Please note: There may be instances when these same agents and representatives may not be acting on behalf of MorEquity, in which case they may collect nonpublic personal information on their own behalf or on behalf of another. In these instances, MorEquity's Privacy Policy would not apply and the agent or representative should provide you with a privacy notice from other entities which they may represent.

• MorEquity reserves the right to change any of its privacy policies and related procedures at any time, in accordance with applicable federal and state laws. You will receive appropriate notice if our privacy policy changes.

ADDITIONAL PRIVACY POLICIES SPECIFICALLY FOR WEB SITES

• MorEquity's employees, representatives, agents and selected third parties may collect information about our customers and other visitors to this site including, but not limited to aggregate information concerning: - E-mail address and content - Domain name and IP address (e.g., aol.com) used to access the Internet - Internet address from which the visitor linked to our site (e.g., www.yahoo.com) - Type of web browsing software used to view our site - Date, time, and length of visit to our site

• Keeping your account information accurate and up to date is very important. If you ever have questions or issues with the accuracy of your nonpublic personal information, please contact us at the following phone number or write us at the following address: 1-800-345-0187, MorEquity, P.O. Box 3662, Evansville, IN 47735-3662. We will promptly investigate your concerns and update our records as needed.
• We request that you keep your information as up to date as possible so that you may get the maximum benefit from MorEquity. In particular, please make sure that you inform us of e-mail address changes since this is the most rapid way to communicate.

• MorEquity uses multiple levels of security regardless of the delivery channel you choose. We maintain personally identifying information in secure computer systems and we limit employee access to those with a business reason to see it. More specifically, employees may access information about you when needed to maintain your accounts or otherwise meet your needs. We safeguard information according to established security standards and procedures. Our employees are trained to understand and comply with these information principles
• MorEquity is protected by a system of filtering routers and firewalls, which form a barrier between the outside Internet and the internal network. The filtering router verifies the source and destination of each network packet, and determines whether or not to let the packet through. Access is denied if the packet is not directed at a specific, available service.
  
  The firewall is used to shield MorEquity's client service network from the Internet. All incoming IP traffic is actually addressed to the firewall, which is designed to allow only e-mail into the client service environment. Traffic through the firewall is subjected to a special proxy process which operates in much the same way as a filtering router, verifying the source and destination of each information packet.
  
  The proxy then changes the IP address of the packet to deliver it to the appropriate site within the client service network. In this way, all inside addresses are protected from outside access, and the structure of MorEquity's internal networks is invisible to outside observers.

• This site may, from time to time, contain links to other Internet web sites, banner ads or advertisements for the convenience of users in locating information and services that may be of interest. If you use those linked Internet web sites or advertisements, you may leave this site and go to web sites that we do not control. If you decide to visit those Internet sites or advertisers, you do so at your own risk and it is your responsibility to read and comply with the privacy statement on those web sites. Your right to privacy on linked sites is limited to whatever rights are provided to you by the owner of the linked site.
• The Additional Privacy Policies Specifically For Web sites are for customers and visitors, and only apply to this site. This site only includes its home page and pages hereunder operated by MorEquity. This Privacy Policy does not apply to any linked site, any site provided by a third party or any other site provided by MorEquity. You must consult the privacy policy of each site, particularly at any sites provided by third parties, in order to determine what information about you is collected and how that information is used.

• This Privacy Policy is not a contract and is not intended to be a contract between customers or visitors, and MorEquity with respect to any information practices concerning information obtained through use of this site.
• This Privacy Policy is provided on behalf of MorEquity and all of its operating subsidiaries.