We Respect Your Privacy
Paddio Insurance Services d/b/a Veterans United Insurance (“Company” or “We”) respects your privacy, and we recognize the importance of keeping your information secure. Below, you will find details about our privacy policies and how your information is used.
This policy describes the types of information we may collect from you or that you may provide when you visit veteransunited.com (our “Website” or “Site”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to information we collect:
- On this Website.
- In email, text, and other electronic messages between you and this Website.
- 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 Company 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.
Information We Collect and How We Use and Share Such Information
We collect information that you provide to us, and through your use of this Site. We collect this information when you fill out forms or surveys; when you complete a loan application with us; when you register for, or sign into, an Account on our website; or when you visit or interact with webpages on the Site.
We collect information which includes, but is not limited to: name; postal or email addresses; telephone; fax or mobile numbers; account numbers; and any other information you may provide to us in regards to your mortgage or insurance eligibility. We also collect information that your device provides automatically, which includes, but is not limited to: your IP address; device ID; the web pages you view while visiting our Site, and how you interact with them; information from cookies, pixels, web beacons, and other online identifiers.
We use the Information that we collect for the following purposes:
- to present our Website and its contents to you;
- to provide you with information, products, or services that you request from us;
- to respond to your inquiries and fulfill your requests;
- to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
- to deliver marketing communications that we believe may be of interest to you, including ads or offers tailored to you;
- to personalize your experience on the Site;
- for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
- for risk control, fraud detection, and fraud prevention, in order to comply with laws, regulations, and other legal process and law enforcement requirements; and
- in response to a properly served request from a federal or state law enforcement or other governmental agency as a result of a subpoena or court order, in order to exercise our legal rights, to protect our company or employees from threats or fraud, to protect us from legal claims, or as otherwise required by law. We may raise or waive any legal rights available to us. This information may also be disclosed in the event of a merger or sale of the company, an asset sale, or the unlikely event of bankruptcy.
We use “Cookies”, “Web Beacons”, and other methods to identify and correct errors, evaluate page popularity and statistics, and to personalize and improve your experience on our website. These technologies allow us to improve our advertising efforts and tailor your customer experience to reduce unnecessary ads. To learn more about cookies, including how to manage or delete cookies, please visit http://www.allaboutcookies.org/.
We may use other companies’ analytics and tracking tools that receive information from you when you use our Site, including technology from Google Analytics, Google Doubleclick, Meta (including but not limited to Facebook or Instagram) and others, to help us track, segment, and analyze usage of the Site, and to help us serve more targeted advertising. These tools may use technology such as cookies, tags, pixels, SDKs, and similar technologies to track online activity.
We use FullStory.com to collect information regarding your use of our Site, including pages visited, links clicked, non-sensitive text entered, and mouse movements, as well as information more commonly collected such as your IP address, referring URL, browser, operating system, cookie information, and Internet Service Provider.
Opt-Out Provisions and Consumer Choice
Once you submit your information it may not be retracted. You will be contacted by a representative after you submit a request through our Site or an affiliate Site.
California “Do Not Track” Disclosures: While some Internet browsers have the ability to specify privacy preferences to websites, including requests not to track your usage and browsing history, Veterans United Insurance websites do not currently respond to these signals and may continue track your activity on this website and use gathered information as provided in this policy.
Federal and state laws require us to maintain certain loan qualification forms for set periods of time. In order to comply, we may be unable to delete certain information from our systems once you supply it to us.
You may opt out of the DoubleClick cookie by visiting the Google advertising opt out page, or you may opt out of Google Analytics by visiting the Google Analytics opt-out page.
If you wish to prevent websites from tracking your website usage data via FullStory.com, you may opt out by navigating to https://fullstory.com/optout/ and clicking “Opt out of FullStory.” Opting out will create a cookie that tells FullStory.com to turn off recording. The presence of this cookie is required to continue opting out, so if you clear your browsing cookies, you will need to opt-out again.
You can opt out of receiving interest-based advertising from members of the following groups by visiting their websites:
Digital Advertising Alliance (DAA): https://optout.aboutads.info/?c=2&lang=EN
Network Advertising Alliance (NAI): https://optout.networkadvertising.org/?c=1
As a result of submitting your telephone number and your request to receive more information, you will receive a call or text from Veterans United Insurance. You may be contacted directly by phone and/or email as a result of your request, even if the number you supplied is on the National Do Not Call registry. However, if you have submitted your information to us and you no longer wish to be contacted at the phone number(s) provided, you may instruct us to place you on our internal “do not call” list by calling us at 1-833-919-1177.
Veterans United Insurance may periodically send you complimentary materials including newsletters, commercial offers, instructional videos or other information if you choose to provide us an email address. By providing your email address or submitting a request for more information that includes your email address, you have opted to receive these materials from us. If you desire to stop receiving these materials, please email customer_service@veteransunited.com with the specific request.
Children’s Online Privacy Protection Act (COPPA):
This Site is intended for individuals age 18 and older. Children under the age of 13 should not use this Site, and are expressly prohibited from using our services.
Our Secure System Protects You
To protect your information from unauthorized access and use, Veterans United Insurance uses physical, electronic, and procedural safeguards. Nevertheless, no system can be completely secure, and you should not expect that your information will remain protected. Unauthorized entry or use, hardware or software failure, human error, or a number of other factors may compromise the security of your information. As a consumer, you should always safeguard your information and protect yourself from potential identify fraud.
General Policy Provisions
The policies and practices described in this disclosure are subject to change, but we will communicate any such changes to you as required by law. We encourage you to periodically review our privacy policy for any changes.
You may receive copies of this privacy policy as well as the terms and conditions by sending an email detailing your request to customer_service@veteransunited.com or by sending a written request to:
Customer Service
Veterans United Insurance
2101 Chapel Plaza Court
Columbia, MO 65203
Consumer Privacy Notice
| FACTS |
WHAT DOES Veterans United Insurance DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|
| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Veterans United Insurance chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Veterans United Insurance share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We Don't Share |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes — information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We Don't Share |
| To limit our sharing |
Please note: However, you can contact us at any time to limit our sharing. |
|---|
| Questions? | Call 888-625-1794 or visit www.veteransunitedinsurance.com/privacy-policy/ |
|---|
| Who we are | |
|---|---|
| Who is providing this notice? | Veterans United Insurance |
| What we do | |
| How does Veterans United Insurance protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Veterans United Insurance collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can't I limit all sharing? |
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| What happens when I limit sharing for an account I hold jointly with someone else? |
Your choices will apply to everyone on your account. |
| Definitions | |
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other important information | |
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Vermont Residents – Except as permitted by law, we will not share information we collect about you with nonaffiliates or affiliates. California Residents – Except as permitted by law, we will not share information we collect about you with nonaffiliates or joint marketing partners while you are a resident of California. Nevada Residents – Call 1-888-625-1794 to be placed on our Do-Not-Call list. For more information, mail Veterans United Insurance, 2101 Chapel Plaza Ct., Ste 107, Columbia, MO 65203 or email insurance@paddio.com. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101, call 702-486-3132, or email BCPINFO@ag.state.nv.us. This notice is provided pursuant to state law. North Dakota Residents – Except as permitted by law, we will not share information we collect about you with nonaffiliates without your authorization. |
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