Privacy Policy

Introduction

JMS Legacy Life ("we," "us," or "our") is committed to protecting the privacy and security of personal information we collect in connection with life insurance products and services. This Privacy Policy explains what information we collect, how we use and share it, your choices, and how we protect your information.

Scope

This policy applies to personal information collected through our websites, mobile applications, customer service channels, agent/broker interactions, applications, claims processing, underwriting, and other services provided by JMS Legacy Life.

Information We Collect

We collect personal and non-personal information necessary to provide life insurance and related services, including:

• Identity and contact details: name, address, email, phone number, date of birth, Social Security number or national ID.
• Insurance application and policy information: policy numbers, coverage details, beneficiaries, payment history.
• Health and medical information: medical history, diagnoses, prescriptions, medical provider records, laboratory results, and other health-related data (collected with consent or as permitted by law).
• Financial information: income, employment, bank account and payment card information, credit history, and premium payment information.
• Claims and services information: claim details, investigation records, and communications.
• Communications and preferences: correspondence, customer service records, opt-in/opt-out preferences.
• Device and usage data: IP address, browser type, device identifiers, log files, cookies, and analytics data.
• Third-party data: information from medical providers, agents/brokers, consumer reporting agencies, public records, or other third parties as needed.

How We Use Information

We use personal information to:

• Evaluate and process applications, underwrite policies, issue coverage, and administer claims.
• Manage and service policies, process payments and renewals, and handle beneficiary designations.
• Communicate with you about your policy, claims, and account; provide customer support.
• Conduct medical and financial underwriting, risk assessment, fraud prevention, and legal compliance.
• Personalize and improve our services, products, websites, and marketing (where permitted).
• Comply with legal, regulatory, and contractual obligations and respond to legal requests.

Legal Bases for Processing

Where required by law, we rely on appropriate legal bases to process personal data, including performance of a contract, compliance with legal obligations, consent (for certain health or marketing uses), and legitimate interests (e.g., fraud prevention, business operations), balanced against your rights.

Sharing and Disclosure

We may disclose personal information to:

• Service providers and vendors who perform services on our behalf (e.g., claims administrators, IT providers, payment processors, medical examiners, reinsurers).
• Agents, brokers, and partners involved in selling or servicing your policy.
• Healthcare providers, insurers, reinsurers, and medical information databases to obtain or share relevant medical information for underwriting or claims.
• Government agencies, regulators, law enforcement, or courts as required by law or to respond to legal process.
• Purchasers or successors in connection with a merger, acquisition, sale, or reorganization.
• Other parties as authorized by you or permitted by law.

We require service providers to protect information and use it only for the purposes we authorize.

International Transfers

Your information may be transferred to, stored, or processed in countries other than your country of residence. When transfers occur, we take steps to ensure appropriate safeguards are in place consistent with applicable law.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction. No security measure is perfect; we review and update protections as technology and risks evolve.

Data Retention

We retain personal information as long as necessary to provide services, fulfill legal and regulatory obligations, resolve disputes, and enforce agreements. Retention periods vary by information type and purpose.

Your Rights and Choices

Depending on applicable law, you may have rights regarding your personal information, including:

• Access: request copies of personal information we hold.
• Correction: request corrections to inaccurate data.
• Deletion: request deletion of personal information, subject to legal and contractual exceptions.
• Restriction or objection: request limitation of processing or object to certain uses.
• Portability: request a copy of your information in a portable format where applicable.
• Marketing opt-out: opt out of direct marketing communications.

To exercise rights or update preferences, contact us using the contact details below. We may need to verify your identity before fulfilling requests.

Cookies and Similar Technologies

We and our service providers use cookies and similar technologies to operate our websites, improve user experience, analyze usage, and deliver content. You can control cookies through your browser settings and device preferences.

Children's Privacy

We do not knowingly collect personal information from children under applicable age thresholds for purchasing insurance (typically minors) except as permitted by law (for example, as beneficiary information provided by a parent or guardian). If you believe we have collected information from a child in violation of law, contact us to request deletion.

Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Material changes will be posted with an updated effective date and, where required, notified to affected individuals.