KEMPER HEALTH

Privacy Statement

Reserve National Insurance Company is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Reserve National Insurance Company Web site and governs data collection and usage. By using the Reserve National Insurance Company website, you consent to the data practices described in this statement.

Collection of your Personal Information

Reserve National Insurance Company collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Reserve National Insurance Company also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Reserve National Insurance Company. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Reserve National Insurance Company for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Reserve National Insurance Company Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Reserve National Insurance Company public message boards, this information may be collected and used by others. Note: Reserve National Insurance Company does not read any of your private online communications.

Reserve National Insurance Company encourages you to review the privacy statements of Web sites you choose to link to from Reserve National Insurance Company so that you can understand how those Web sites collect, use and share your information. Reserve National Insurance Company is not responsible for the privacy statements or other content on Web sites outside of the Reserve National Insurance Company and Reserve National Insurance Company family of Web sites.

Use of your Personal Information

Reserve National Insurance Company collects and uses your personal information to operate the Reserve National Insurance Company Web site and deliver the services you have requested. Reserve National Insurance Company also uses your personally identifiable information to inform you of other products or services available from Reserve National Insurance Company and its affiliates. Reserve National Insurance Company may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Reserve National Insurance Company does not sell, rent or lease its customer lists to third parties. Reserve National Insurance Company may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Reserve National Insurance Company may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Reserve National Insurance Company, and they are required to maintain the confidentiality of your information.

Reserve National Insurance Company does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Reserve National Insurance Company keeps track of the Web sites and pages our customers visit within Reserve National Insurance Company, in order to determine what Reserve National Insurance Company services are the most popular. This data is used to deliver customized content and advertising within Reserve National Insurance Company to customers whose behavior indicates that they are interested in a particular subject area.

Reserve National Insurance Company Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Reserve National Insurance Company or the site; (b) protect and defend the rights or property of Reserve National Insurance Company; and, (c) act under exigent circumstances to protect the personal safety of users of Reserve National Insurance Company, or the public.

Use of Cookies

The Reserve National Insurance Company Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Reserve National Insurance Company pages, or register with Reserve National Insurance Company site or services, a cookie helps Reserve National Insurance Company to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Reserve National Insurance Company Web site, the information you previously provided can be retrieved, so you can easily use the Reserve National Insurance Company features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Reserve National Insurance Company services or Web sites you visit.

Security of your Personal Information

Reserve National Insurance Company secures your personal information from unauthorized access, use or disclosure. Reserve National Insurance Company secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Reserve National Insurance Company will occasionally update this Statement of Privacy to reflect company and customer feedback. Reserve National Insurance Company encourages you to periodically review this Statement to be informed of how Reserve National Insurance Company is protecting your information.


California Consumer Privacy Act Notice of Collection

The California Consumer Privacy Act (“CCPA”), which provides California Consumers certain rights regarding their Personal Information (“PI”) as those terms are defined in the CCPA, became effective on January 1, 2020. As of that date, the California Attorney General had not completed the rule making process to establish the regulations for businesses to implement the law.

In the meantime, we are providing you with notice of the PI we collect and our purposes for that collection for data that may be subject to the CCPA (“CCPA Notice”). This CCPA Notice does not cover information that is outside of the scope of the CCPA, including data we collect and process as necessary to operate our insurance businesses, which is regulated by the Health Insurance Portability and Accountability Act of 1996 and the Gramm-Leach-Bliley Act of 1999. This notice also does not apply to data collected from employees, applicants or contractors or to data collected from individuals acting as representatives of another business in connection with business communications or transactions.

We collect and share the following PI that may be subject to the CCPA for the following purposes:

Categories of PI Sources of PI Purposes for PI Collection Categories of Third Parties with whom PI is shared Purposes of Third Parties Receiving PI
Identifiers, Personal Records, Consumer Characteristics, Commercial Information, and Professional or Employment Information Customers, consumers, service providers Improving our products and services and identify potential customers Service providers Enabling service providers to perform services on our behalf
Internet Usage Information Consumers, service providers Improving our products and services and identify potential customers Service providers Enabling service providers to perform services on our behalf
Inferences from PI Collected Internal company analyses and service providers Improving our products and services and identify potential customers Not applicable Not applicable

If you are a California Consumer and would like to register a request pursuant to your CCPA “right to know about personal information collected, disclosed or sold” (including right to obtain copies of specific pieces and/or information about categories of personal information practices), “right to request deletion of personal information,” or “right to opt-out of the sale of personal information,” you can contact us at CaliforniaPrivacy@kemper.com and we will respond to your request when we are able to do so in accordance with the upcoming regulatory guidance on how to properly verify you and respond to your requests.

We will revise this CCPA Privacy Notice from time to time as implementing regulations further develop and take effect and we are able to provide you with better information on your CCPA rights and how to exercise them.


Contact Information

Reserve National Insurance Company welcomes your comments regarding this Statement of Privacy. If you believe that Reserve National Insurance Company has not adhered to this Statement, please contact Reserve National Insurance Company at KemperHealthCS@kemper.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.