Privacy Policy

Vance Insurance Group, also does business as Senior Assurance Group, One Life America and Heartland Financial Group respect the privacy of visitors of vanceinsurancegroup.com, vigrp.com, seniorassurancegroup.com  and all sites and mobile applications, if any, linking to this Online Privacy Policy (“Policy”)(collectively “sites”). This Policy applies to these sites and explains how Vance Insurance Group may collect, use and share information about you from our sites. We encourage you to read our Policy before using these sites. By visiting our sites, you are agreeing in advance to the current and future terms of this Policy and we have the right to use your information as described in this Policy. If you do not wish to agree to these terms, you should leave the site.

In addition to this Policy, Vance Insurance Group written Privacy Notices further describe how we handle your personal information (defined below) shared with us, such as when you apply for or purchase our products and services becoming our customer.

Framing of our sites on other web sites is subject to the terms and policy practices of the framing web sites.

The following sections address our sites’ online privacy practices in more detail:

Types of information collected on our sites

There are two types of information collected on our sites: Personally Identifiable Information and Non-Personally Identifiable Information.

Personally Identifiable Information

Personally Identifiable Information (“personal information”) is information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you as an individual. Personal Information includes information collected directly from you if you choose to purchase products or use certain services available on our sites or personal information that you voluntarily provide, such as information included in response to a questionnaire or survey.

Personal information may also be obtained by us through the use of technology, such as cookies, and when we collect your geo-location, phone carrier, or other device information directly or through our third-party vendor(s).

Non-Personally Identifiable Information

Non-Personally Identifiable Information (“non-personal information”) is information that does not identify you as an individual, such as your browser type, and the URL of the web sites you visited before or after our site. Vance Insurance Group may automatically collect certain types of non-personal information from you when you visit our sites. We may also collect non-personal information that you voluntarily provide, such as information included in response to a questionnaire or survey.

Non-Personal Information Collected Through Technology

Cookies:

Our sites may use cookie technology to improve your experience and gather information for statistical reporting and other purposes.

A cookie is a small piece of information sent by a site that is saved on your electronic device. It holds information a site may need to personalize your experience (i.e., rotating images on our sites’ home pages) and gathers statistical data, such as which pages are visited, what is downloaded, the Internet provider’s domain name and country that our visitors come from and the addresses of sites visited immediately before and after coming to our sites. Vance Insurance Group may also use cookies in conjunction with third party services to obtain demographic data on visitors to our sites. Examples of information collected include information to enable us to provide products and services that may better suit your needs.

To browse without cookies, you can configure your browser to reject all cookies or to notify you when a cookie is set. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.

IP Address:

Our sites may collect IP addresses for the purposes of systems administration, authentication and security, server problem diagnosis and compiling aggregate information, such as how many visitors accessed our sites. When you visit a particular page on our sites, our servers may log your IP address. An IP address is a number that is assigned to your computer automatically when you use the Internet.

Embedded Pixels:

We may use embedded pixel technologies on selected pages for the purposes of identifying unique user visits to our sites as opposed to aggregate hits. In addition, embedded pixels or other technologies may be used in emails to provide information on when the email was opened to track marketing campaign responsiveness. Information collected using these technologies may be associated with the recipient’s email address.

Do Not Track Disclosure

We do not respond to your browser’s Do Not Track signals.

Why we collect your information

Vance Insurance Group may use, or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your application, process your payment and to facilitate delivery of your policy or service. We may also save your information to facilitate new product requests;
• To provide you with support and to respond to your inquiries, and transaction requests;
• To fulfill our obligations under your policy, to investigate and address your concerns and monitor and improve our responses;
• To develop and provide you with products, services, and features that better meet your needs or requests;
• To respond to any government or regulatory request, law enforcement requests, or to conform with the requirements of any court order, law or legal process;
• As required or permitted by applicable law or governmental regulations;
• To protect or defend our legal rights or property, our sites, or our users or investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or violations of the terms and conditions of using our sites; and
• As described to you when collecting your personal information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Who we share personal information with

We may share personal information among Vance Insurance Group and its affiliated companies, and with select third party service providers for a business purpose described above. Vance Insurance Group does not sell personal information to non-affiliated third-party entities for them to sell products and services to you.

For information on who we may share your personal information with once you apply for our products or services, or become our customer, view our Privacy Notices referenced above.

Children’s privacy

Unless otherwise specified, our sites are not directed toward children. We do not knowingly collect information from children under the age of 13. If we learn that personal information on a child under the age of 13 is collected, we will delete that information from our systems.

Keeping your information secure

The security of your personal information is very important to us, and we are committed to protecting the information we collect. We have security measures in place that seek to protect against the loss, misuse or alteration of information that Vance Insurance Group has collected from you through our sites.

Unfortunately, no information transmission over the Internet or any wireless network can be guaranteed to be 100 percent secure. As a result, while we strive to protect your personal information, Vance Insurance Group cannot ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our sites.

Acceptance of Policy

By visiting our sites, you are accepting the terms and conditions of this Policy, and we have the right to use your information as described in this Policy.

This Policy applies only with respect to the information that we collect online on our sites and not to any information that Vance Insurance Group collects through other methods or sources.

If for some reason you believe that our sites have not adhered to this Policy, please notify us at one of the addresses below.

Changes to the Policy

Vance Insurance Group reserves the right to modify or amend this Policy at any time. Your continued use of our sites after we post any changes to this Policy on our sites will constitute your acceptance of those changes, so please check the Policy periodically for updates. We will post the updated notice on the Website and update the notice’s effective date.

The latest revision to this Policy occurred on December 1, 2019. Changes to this Policy will not affect our use of previously provided personal information.

Terms and Conditions of Use

Your use of this site is subject to certain Terms of Use.

Contacting us

Please note that whenever you submit any information to us in connection with any Vance Insurance Group products and services, you consent to Vance Insurance Group processing of this information as necessary to provide the products and services in which you are participating.

If you have any questions or comments about our Policy and/or the way it affects you, please feel free to contact us by:

• Sending any e-mail questions to info@vigrp.com

• Sending a letter via US Mail to:

Vance Insurance Group

PO Box 5046

Sanford, NC 27331