MODERN WOODMEN OF AMERICA ONLINE PRIVACY POLICY

(Attention California residents: Please find additional information in our Online Privacy Policy Supplement for California Residents)

Modern Woodmen of America ("Modern Woodmen," "we," "us" and "our") provides this Online Privacy Policy to inform users of our policies and procedures regarding the collection, use and disclosure of personally identifiable information received from users of our website located at www.modernwoodmen.org and the related websites at member.modernwoodmen.org and our mobile applications (collectively, the "Sites"). This Online Privacy Policy may be updated from time to time for any reason. Any material changes made to the Online Privacy Policy will be posted in this area on the Sites. We suggest that you consult this Online Privacy Policy regularly for any changes. Continued use of the Sites, after we have notified you of any such changes, shall constitute your consent to such changes.

By using our Sites you are consenting to our processing of your information as set forth in this Online Privacy Policy now and as amended by us. "Processing" means using cookies on a computer or using or touching information in any way, including, but not limited to, collecting, storing, deleting, using, combining and disclosing information, all of which activities will take place in the United States. If you reside outside the United States, your personally identifiable information will be transferred to the United States and processed and stored there under U.S. privacy standards. In addition, we may share your personal information with certain third parties, as explained below in "Information Sharing and Disclosure," and some of such third parties may be located outside the United States.

If you have any questions or comments about our Online Privacy Policy or our use of your personally identifiable information, please contact us at compliancedepartment@modern-woodmen.org.

Information collection and use

Our primary goals in collecting personally identifiable information are to provide you with the services made available through the Sites, to communicate with you, and to manage your registered user account through which you can take advantage of the services made available through the Sites. For instance, we may use some of the information you provide to market specific products and services, including but not limited to customer support services. We will also use the information you provide to analyze and improve Modern Woodmen's products and services.

If you elect to correspond with us through the Contact Us form, personally identifiable information that may be gathered includes your first and last name, physical address, telephone number, email address, and date of birth.

If you desire to have access to certain restricted sections of the Sites, you may be required to become a registered user and to submit certain personally identifiable information to Modern Woodmen. Personally identifiable information that we may collect in such instances may include your username, password, full name, address, date of birth, email address, telephone number, your certificate number and Social Security number. In addition, we may use the personal information described above to send you information regarding the Sites and/or our services.

When you visit the Sites, our servers automatically record information that your browser sends whenever you visit a website ("Log Data"). Log Data may include information such as your IP address, browser type or the domain from which you are visiting, the webpages you visit and the search terms you use. For most users accessing the Internet from an Internet service provider, the IP address will be different every time you log on. We use this information to monitor use of the Sites and our service, and for the technical administration of the Sites.

Cookies

Like many websites, we also use "cookie" technology to collect additional website usage data and to improve the Sites and our services. A cookie is a small file that we transfer to your device. This cookie technology may gather information about your activities on our Sites and other sites. Modern Woodmen may use cookies to better understand how you interact with our Sites and our services and to monitor usage by our users and web traffic routing on the Sites. IP addresses and geographical locations may also be collected by the use of cookies. You can disable certain cookies by either 1) accessing our Cookie Preference Center link available in the footer of our Sites, or 2) clearing the cookies in the browser(s) used on the device(s) you use to access our Sites. For further information, please review Modern Woodmen's Cookie Notice. 

Cookie Settings

Information sharing and disclosure

General – Except as set forth in this Online Privacy Policy, Modern Woodmen will not disclose personally identifiable information received from you on our Sites with unaffiliated third parties.

Affiliates – We may disclose personally identifiable information with our subsidiaries and affiliates.

Service providers – We may engage certain trusted unaffiliated third parties to perform functions and provide services for us, including, without limitation, hosting and maintenance services, customer relationship services, and database storage and management services. We will disclose your personally identifiable information with these third parties, but only to the extent necessary to perform these functions and provide such services, and only pursuant to binding contractual obligations requiring such third parties to maintain the confidentiality of your data.

Compliance with Laws and Law Enforcement - Modern Woodmen cooperates with government and law enforcement officials or private parties to enforce and comply with the law. We may disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including subpoenas); to protect the property and rights of Modern Woodmen or a third party, the safety of the public or any person; to prevent or stop any illegal, unethical or legally actionable activity; or to comply with the law.

Changing or deleting information

If you are a registered user of the Member Site, you may update or correct the information you provided to us by making such changes through the secure section of the Site. Log in to your account, and to update your information, go to My Account.

Security

Modern Woodmen prioritizes safeguarding the confidentiality of your personally identifiable information. We employ administrative, physical and electronic measures designed to protect your information from unauthorized access. Secure areas of Modern Woodmen's website use encryption to ensure any personal information you submit remains safe.

We will disclose any breach of the security, confidentiality or integrity of your unencrypted electronically stored personal data to you via email or conspicuous posting on the Sites in the most expedient time possible and without unreasonable delay, consistent with (i) the legitimate needs of law enforcement or (ii) any measures necessary to determine the scope of the compromise and to restore the reasonable integrity of the data system.

Links to other sites

Our Sites may contain links to other websites. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party. We do not exercise control over third-party websites. These other websites may place their own cookies or other files on your computer, collect data or solicit personal information from you. This Online Privacy Policy addresses the use and disclosure of information that we collect from you through the Sites. Other sites follow different rules regarding the use or disclosure of the personal information you submit to them. We encourage you to read the privacy policies or statements of the other websites you visit.

Our policy toward children

The Sites are not directed to persons under 16. If parents or guardians become aware that their child, who is under 16, has provided us with personally identifiable information without their consent, they should contact us at compliancedepartment@modern-woodmen.org. If we become aware that a child under 16 has provided us with personally identifiable information, we will remove such information from our files.

Questions

For further information, see our Modern Woodmen of America Privacy Notice. If you have any additional questions, please contact us.

Effective 04/19/2024.

ONLINE PRIVACY POLICY SUPPLEMENT FOR CALIFORNIA RESIDENTS

(Print this supplement)

The California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act (CPRA) and its implementing regulations, provides California residents with specific rights regarding personal information. The following supplement is provided in addition to the rights in our Online Privacy Policy, addresses these rights and applies solely to site visitors, members and others who reside in the State of California ("consumer(s)", "you" or "your").

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with a particular consumer, household, or device ("personal information"). The CCPA does not consider the following to be personal information:

• Publicly available information.
• Deidentified or aggregated consumer information.
• Other types of information specifically excluded by the CCPA, as amended by the CPRA and its implementing regulations. For example, personal information governed by the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act or the California Financial Information Privacy Act.

Categories of personal information we may have collected

Regarding sensitive* personal information

Sensitive personal information that is collected or processed without the purpose of inferring characteristics about a consumer is treated as personal information – described in the chart shown here – for all other purposes under the CCPA, as amended by CPRA and its implementing regulations. Modern Woodmen does not infer characteristics about you using sensitive personal information in a manner that is inconsistent with California Law.

*Examples of sensitive personal information: Social Security, driver's license, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin; citizenship or immigration status; religious or philosophical beliefs; union membership; the contents of a consumer's mail, email and text messages (unless Modern Woodmen is the intended recipient of the communication); genetic data; biometric information; health information; or information regarding sex life or sexual orientation.

Categories of sources used to collect personal information

Modern Woodmen obtains the categories of personal information listed above from these categories of sources:

• Directly from you. For example, from applications and other forms completed by you, including online forms you fill out on our corporate or member website or mobile application, or from your transactions with us, our affiliates (i.e., companies related to us by common ownership or control) and non-affiliates.
• Indirectly from you or your device. For example, from observing your actions on our corporate or member website or mobile application.
• From third party service providers and contractors. For example, from any of the entities listed in your signed authorization, once submitted, to gather the data needed to process your application or otherwise service your products with us, from credit reporting agencies and other companies we work with, and from companies who give us marketing information.

Modern Woodmen of America does not infer characteristics about you using sensitve information in a manner that is inconsistent with California law.

Business purpose for collecting personal information

We ask for only the personal information necessary to deliver products and services and/or to consider opportunities for employment, volunteer positions or field positions.

• For each category listed above, we may use or disclose the personal information we collect for one or more of the following purposes.
• Fulfill or meet the reason you provided the information, such as responding to an inquiry about our products or services.
• Process applications for products or services you have applied for or requested.
• Process your application and maintain information related to your employment, volunteer leadership or field position.
• Provide the product(s) or service(s) you have applied for or requested.
• Process your requests, purchases, transactions and payments, for security purposes, and to prevent transactional fraud.
• Offer you additional products and services.
• Evaluate and pay claims for member benefits.
• Administer and pay workforce benefits.
• Provide support and manage your certificate(s) or account(s).
• Administer and offer fraternal member benefits available to you as a member of Modern Woodmen of America.
• Facilitate participation in Chapter activities or other opportunities available to you as a member of Modern Woodmen of America.
• Communicate with consumers about Modern Woodmen of America and its products, services and benefits.
• Test, analyze, develop and improve our products and services.
• Maintain the safety, security and integrity of our website, products and services, databases and other technology assets.
• Respond to law enforcement requests and as required by or to demonstrate compliance with applicable law, court order, or state or federal regulations.

Categories of information disclosed with third parties

In the preceding twelve (12) months, we may have disclosed the following categories of personal information for a business purpose.

• Identifiers.
• Additional personal information.
• Protected classifications.
• Commercial information.
• Biometric information.
• Internet or other electronic network activity information.
• Geolocation data.
• Sensory data.
• Professional or employment-related information.
• Nonpublic education information (as defined in the Family Educational Rights and Privacy Act, 20 U.S.C. section 1232g, 34 C.F.R. Part 99).
• Inferences drawn from any of the information.

Categories of third parties to whom this information is disclosed

We may disclose your personal information for business purposes.

Your rights under the California Consumer Privacy Act of 2018

The California Consumer Privacy Act of 2018 (CCPA) provides California residents with specific rights regarding their personal information. These include:

• Right to Notice
• Right to Know
• Right to Correct
• Right to Deletion
• Right to Opt-Out
• Right to Limit
• Right to Equal Service

Consumer’s right to notice

At or before the time personal information is collected, consumers have the right to be informed about the categories of information that may be collected and the business purpose for which it will be used.

Consumer’s right to know

A consumer has the right to request a business that collects a consumer’s personal information disclose to that consumer the following:

• The categories of personal information it has collected about that consumer.
• The categories of sources from which the personal information is collected.
• The business or commercial purpose for collecting, sharing, or selling personal information.
• The categories of third parties with whom the business discloses personal information.
• The specific pieces of personal information it has collected about that consumer.

Request submission

A California consumer may submit a request for information by calling Modern Woodmen’s Service Center at 1-800-447-9811 or 309-558-3077 or by completing the request form at modernwoodmen.org/your-information. You may only make a verifiable consumer request for information twice within a 12-month period.

Verifiable consumer request

Before Modern Woodmen responds to a request from a California consumer, we will verify the identity of that consumer. This will be done using information from the California consumer and comparing that to any personal information we previously collected about that consumer. For Modern Woodmen members, information you may be asked to provide includes name, address, phone number, date of birth, last four digits of Social Security number, and Modern Woodmen certificate number. For California consumers who are not members, you will be asked to provide your name and contact information, which may include your address, phone number and email address. We may ask for additional pieces of information, depending on the circumstances, to ensure proper verification.

The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Consumer’s right to correct

The consumer has the right to correct inaccurate personal information that a business maintains about the consumer.

Request correction

A California consumer may submit a request for correction by calling Modern Woodmen’s Service Center at 1-800-447-9811 or 309-558-3077 or by completing the request form at modernwoodmen.org/your-information.

Consumer’s right to request deletion of personal information

A California consumer has the right to request we delete personal information that we collected and retained, subject to certain exceptions. Once a verifiable consumer request is received and confirmed, we will delete (and direct our service providers and contractors to delete) personal information from our records, unless an exception applies.

We may deny a deletion request if retaining the information is necessary for us or our service provider(s) to:

• Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Request deletion

To exercise the deletion rights described above, please submit a verifiable consumer request to us by either calling Modern Woodmen’s Service Center at 1-800-447-9811 or 309-558-3077 or by completing the request form at modernwoodmen.org/your-information. Please reference the section on verifiable consumer request above regarding how Modern Woodmen will validate your request.

Consumer’s right to opt-out

A California consumer has the right to know if their personal information is sold or shared¹. If the personal information is shared or sold, the consumer has the right to opt-out of the sharing or selling of that information. Modern Woodmen does not share or sell personal information it collects without your consent. 

If you consent to our selling or sharing your personal information by accepting Targeting Cookies on our Sites, you can opt-out by either 1) accessing our Cookie Preference Center link available in the footer of our Sites, or 2) clearing the cookies in the browser(s) used on the device(s) you use to access our Sites.

Modern Woodmen does not have actual knowledge that it shares or sells the personal information of consumers under 16 years of age.

¹“Share,” “Shared,” or “Sharing” as used in this Online Privacy Policy Supplement shall mean sharing personal information with a third party for cross-contextual behavioral advertising.

Consumer’s right to limit

If sensitive personal information is collected for the purposes of inferring characteristics about a consumer, the consumer has the right to request the business limit use and disclosure of that sensitive personal information to what is necessary to perform services or provide the goods reasonably expected by an average consumer who requests such goods or services.

Modern Woodmen does not infer characteristics about you using sensitive personal information in a manner that is inconsistent with California Law.

Consumer’s right to equal service

Modern Woodmen will not discriminate against a California consumer if he/she exercises any of the rights in this Supplement. We will not:

• Deny goods or services to the consumer.
• Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
• Provide a different level or quality of goods or services to the consumer.
• Suggest the consumer will receive a different price or rate for goods or services or a different level or quality of goods or services.

Requests from an authorized agent

Only a consumer or someone legally authorized to act on a consumer’s behalf may make a verifiable consumer request. A consumer may designate an authorized agent to submit a request to know, request to correct, or a request to delete. In order to make a request on a consumer’s behalf, an authorized agent must provide Modern Woodmen with either a signed permission from the consumer, or a power of attorney pursuant to California Probate Code 4121 to 4130. Modern Woodmen may require the consumer to verify their own identity directly with Modern Woodmen, or directly confirm with Modern Woodmen that the consumer provided the authorized agent permission to submit the request.

Changes to our Online Privacy Policy Supplement for California Residents

This supplement may be updated from time to time for any reason. Any material changes made to the Online Privacy Policy Supplement for California Residents will be posted in this area on this website and will result in the supplement’s effective date being updated. We suggest that you consult this Online Privacy Policy Supplement regularly for any changes. Continued use of the sites after we have notified you any such changes shall constitute your consent to such changes.

Additional Information

You can find electronic copies of our Privacy Statement and our Online Privacy Policy at www.modernwoodmen.org.

If you need to access this Online Privacy Policy in an alternative format due to having a disability, please contact us at ComplianceDepartment@modern-woodmen.org or call us at 309-558-3077 or 1-800-447-9811.

If you have any further questions or wish to request additional information as provided in this Supplement, please contact us here, or please write or call us at:

Modern Woodmen of America
1701 1st Avenue
Rock Island, IL 61201
309-558-3077 or 1-800-447-9811

Effective 01/01/2020.

Last Updated 04/19/2024.