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NASW ASI Long Term Disability Insurance Plan

How would you or your family make ends meet if a disability kept you from working?

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Long Term Disability Insurance Plan

The NASW ASI Long Term Disability Insurance Plan helps protect you and your spouse/domestic partner with monthly disability benefits of up to $6,000.

Most things in your life depend on your ability to earn an income. Your home. Your everyday living expenses. Your children’s care and educational needs. Your savings. Your hopes for retirement. Your dreams for the future.

So, if your or your spouse/domestic partner’s income stops due to a disabling Injury or Sickness, how will you pay your mortgage, your household bills, and the everyday living expenses for you and your family? Will you have to dip into your savings or other assets? And will your savings, the equity in your home, your retirement nest egg, and your other assets be able to carry you through until you’re recovered and able to return to work? And, would you even want to use up your current financial resources like that, anyway?

With so many things in life being uncertain, why not help protect yourself and your loved ones from the financial risks and uncertainties surrounding a Disability? Secure NASW ASI Disability Insurance Plan today … to help protect you if you are Totally Disabled due to a covered Sickness or Injury.

This program offers three affordable coverage plan options to help fit your needs and budget.

If Totally Disabled due to a covered Sickness or Injury, you and your spouse/domestic partner’s can receive monthly benefits from $100 up to $6,000, depending on which option you select and your pre-disability earnings.

Plus, you and your spouse/domestic partner pay an affordable, group rate thanks to NASW’s group purchasing power.

For more information, call toll-free (866) 591-8267.

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent
70571

Underwritten by: Hartford Life and Accident Insurance Company
Hartford, CT 06155
(AGP-5883 and AGP-5884)

May not be available in all states.

Choose Among Three COVERAGE OPTIONS

Basic Plan:

  • Monthly Benefit Amounts Available: From $100 up to $1,200.
  • Elimination Period Before Benefits Begin: 28 consecutive days of Total Disability.
  • Benefit Period: For Total Disability caused by an Injury: prior to age 63 benefits continue up to the earlier of 5 years or to age 65; age 63 to age 69 benefits continue to the earlier of 2 years or to age 70.
  • For Total Disability caused by Sickness, benefits continue to the earlier of 2 years or to age 70. (Disability benefits are not available after age 70 for Disability caused by Sickness or Injury.)

 

Extended Plan: Longer Benefit Periods

  • Monthly Benefit Amounts Available: From $100 up to $1,200.
  • Elimination Period Before Benefits Begin: 28 consecutive days of Total Disability.
  • Benefit Period: For Total Disability caused by an Injury: prior to age 63 benefits continue to age 65; age 63 to age 69 benefits continue up to the earlier of 2 years or to age 70.
  • For Total Disability caused by Sickness, benefits continue up to the earlier of 5 years or to age 70.

 

Select Plan: Highest Monthly Benefit Amounts Available

  • Monthly Benefit Amounts Available: From $100 up to $6,000.
  • Elimination Period Before Benefits Begin: 90 consecutive days of Total Disability.
  • Benefit Period: For Total Disability caused by an Injury: prior to age 63 benefits continue to age 65; age 63 to age 69 benefits continue up to the earlier of 2 years or to age 70.
  • For Total Disability caused by Sickness, benefits continue up to the earlier of 5 years or to age 70.

 

Replaces up to 75% of Your Pre-disability EARNINGS

You are eligible as long as you are under age 65, Actively at Work at least 30 hours per week, and a a resident of the United States. Your spouse/domestic partner is eligible as long as he/she is under age 65, is not legally separated or divorced from you, is Actively at work at least 30 hours per week, has been working full-time for at least 30 days before his/her effective date, and is a resident of the United States. When both spouses are eligible, each may apply; however, coverage may not be duplicated by applying as dependents of the other.

Offset Provision: The benefit amount payable as a result of the insured person’s Total Disability will be the lesser of the Monthly Benefit or 75% of your Pre-Disability Earnings minus any Other Income Benefits, such as social security or retirement disability benefits, including those for which the insured person could collect but did not apply, and all other income from any employer or other work. In no event will the Monthly Benefit elected exceed 75% of the insured person’s Pre-disability Earnings.

However, if you or your spouse’s Monthly Benefit payable would reduce to less than 15% of the Monthly Benefit due to Other Income Benefits, then the minimum Monthly Benefit under the Policy will be 15% of you or your spouse’s Monthly Benefit.

This example is for purposes of illustrating the effect of the benefit reductions and is not intended to reflect the situation of a particular claimant under the Policy:

Insured’s monthly
Pre-Disability Earnings
$3,000
Disability benefits percentagex 75%
Unreduced maximum benefit$2,250
Less any Social Security
Disability benefit per month
– $ 1,100
Less any State Disability
benefit per month
– $ 500
Total amount of Disability
benefit per month
$ 650

Pays Benefits for all Covered Total Disabilities

This plan will pay you the Monthly Benefit you select (up to 75% of your Pre-Disability Earnings) if you become Totally Disabled due to a covered Injury or Sickness.

Includes a Rehabilitative Employment Benefit

You or your spouse can even collect partial Monthly Benefits while getting back to work under your and your spouse’s plan Rehabilitative Employment Benefit. If, while you or your spouse are Totally Disabled, you and your spouse are able to and choose to return to work, you or your spouse will continue to receive a Monthly Benefit equal to your or your spouse’s Total Disability Monthly Benefit, less 50% of any income you or your spouse receive. The sum of the Monthly Benefit and total income received from Rehabilitative Employment may not exceed 100% of yours or your spouse’s Pre-Disability Earnings. If it does, the Monthly Benefit will be reduced by the excess amount.

Apply Today

Simply download, complete, sign and return/upload the application. Send no money now.

Application is subject to approval by Hartford Life and Accident Insurance Company.

Once approved, you will be billed on a quarterly basis.

Questions?

Call toll-free (866) 514-8974.

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent
70571

Underwritten by: Hartford Life and Accident Insurance Company
Hartford, CT 06155
(AGP-5883 and AGP-5884)

May not be available in all states.

Basic Plan – Monthly Rates

Monthly BenefitAge Range
 18 – 2930 – 3940 – 4950 – 5960 – 6465 – 69*
$1,200$14.28$17.52$21.36$31.32$45.84$52.36
$1,15013.6816.7920.4730.0143.9350.18
$1,10013.0916.0619.5828.7142.0248.00
$1,05012.4915.3318.6927.4040.1145.81
$1,00011.9014.6017.8026.1038.2043.63
$95011.3013.8716.9124.7936.2941.45
$90010.7113.1416.0223.4934.3839.27
$85010.1112.4115.1322.1832.4737.09
$8009.5211.6814.2420.8830.5639.41
$7508.9210.9513.3519.5728.6532.72
$7008.3310.2212.4618.2726.7430.54
$6507.739.4911.5716.9624.8328.36
$6007.148.7610.6815.6622.9226.18
$5506.548.039.7914.3521.0124.00
$5005.957.308.9013.0519.1021.82
$4505.356.578.0111.7417.1919.63
$4004.765.847.1210.4415.2817.45
$3504.165.116.239.1313.3715.27
$3003.574.385.347.8311.4613.09
$2502.973.654.456.529.5510.91
$2002.382.923.565.227.648.73
$1501.782.192.673.915.736.54
$1001.191.461.782.613.824.36

 

Extended Plan – Monthly Rates

Monthly BenefitAge Range
 18 – 2930 – 3940 – 4950 – 5960 – 6465 – 69*
$1,200$16.56$21.96$27.96$45.60$58.44$52.64
$1,15015.8721.0426.7943.7056.0050.45
$1,10015.1820.1325.6341.8053.5748.25
$1,05014.4919.2124.4639.9051.1346.06
$1,00013.8018.3023.3038.0048.7043.87
$95013.1117.3822.1336.1046.2641.67
$90012.4216.4720.9734.2043.8339.48
$85011.7315.5519.8032.3041.3937.29
$80011.0414.6418.6430.4038.9635.09
$75010.3513.7217.4728.5036.5232.90
$7009.6612.8116.3126.6034.0930.71
$6508.9711.8915.1424.7031.6528.51
$6008.2810.9813.9822.8029.2226.32
$5507.5910.0612.8120.9026.7824.13
$5006.909.1511.6519.0024.3521.93
$4506.218.2310.4817.1021.9119.74
$4005.527.329.3215.2019.4817.55
$3504.836.408.1513.3017.0415.35
$3004.145.496.9911.4014.6113.16
$2503.454.575.829.5012.1710.97
$2002.763.664.667.609.748.77
$1502.072.743.495.707.306.58
$1001.381.832.333.804.874.39

 

Select Plan – Monthly Rates

Monthly BenefitAge Range
 18 – 2930 – 3940 – 4950 – 5960 – 6465 – 69*
$6,000$50.35$68.03$98.65$176.88$227.23$254.27
$5,75048.2565.2094.54169.51217.76243.67
$5,50046.1562.3690.43162.14208.29233.08
$5,25044.0559.5386.32154.77198.82222.48
$5,00041.9656.6982.21147.40189.35211.89
$4,75039.8653.8678.10140.03179.89201.89
$4,50037.7651.0273.99132.66170.42190.70
$4,25035.6648.1969.88125.29160.95180.10
$4,00029.6040.0058.00104.00133.60149.47
$3,90028.8639.0056.55101.40130.26145.73
$3,80028.1238.0055.1098.80126.92141.99
$3,70027.3837.0053.6596.20123.58138.26
$3,60026.6436.0052.2093.60120.24134.52
$3,50025.9035.0050.7591.00116.90130.78
$3,40025.1634.0049.3088.40113.56127.05
$3,30024.4233.0047.8585.80110.22123.31
$3,20023.6832.0046.4083.20106.88119.57
$3,10022.9431.0044.9580.60103.54115.84
$3,00022.2030.0043.5078.00100.20112.10
$2,90021.4629.0042.0575.4096.86108.36
$2,80020.7228.0040.6072.8093.52104.63
$2,70019.9827.0039.1570.2090.18100.89
$2,60019.2426.0037.7067.6086.8497.15
$2,50018.5025.0036.2565.0083.5093.42
$2,40017.7624.0034.8062.4080.1689.68
$2,30017.0223.0033.3559.8076.8285.94
$2,20016.2822.0031.9057.2073.4882.21
$2,10015.5421.0030.4554.6070.1478.47
$2,00014.8020.0029.0052.0066.8074.73
$1,95014.4319.5028.2750.7065.1372.86
$1,90014.0619.0027.5549.4063.4671.00
$1,85013.6918.5026.8248.1061.7969.13
$1,80013.3218.0026.1046.8060.1267.26
$1,75012.9517.5025.3745.5058.4565.39
$1,70012.5817.0024.6544.2056.7863.52
$1,65012.2116.5023.9242.9055.1161.65
$1,60011.8416.0023.2041.6053.4459.79
$1,55011.4715.5022.4740.3051.7757.92
$1,50011.1015.0021.7539.0050.1056.05
$1,45010.7314.5021.0237.7048.4354.18
$1,40010.3614.0020.3036.4046.7652.31
$1,3509.9913.5019.5735.1045.0950.44
$1,3009.6213.0018.8533.8043.4248.58
$1,2509.2512.5018.1232.5041.7546.71
$1,2008.8812.0017.4031.2040.0844.85
$1,1508.5111.5016.6729.9038.4142.97
$1,1008.1411.0015.9528.6036.7441.10
$1,0507.7710.5015.2227.3035.0739.23
$1,0007.4010.0014.5026.0033.4037.37
$9507.039.5013.7724.7031.7335.50
$9006.669.0013.0523.4030.0633.63
$8506.298.5012.3222.1028.3931.76
$8005.928.0011.6020.8026.7229.89
$7505.557.5010.8719.5025.0528.02
$7005.187.0010.1518.2023.3826.16
$6504.816.509.4216.9021.7124.29
$6004.446.008.7015.6020.0422.42
$5504.075.507.9714.3018.3720.55
$5003.705.007.2513.0016.7018.68
$4503.334.506.5211.7015.0316.81
$4002.964.005.8010.4013.3614.95
$3502.593.505.079.1011.6913.08
$3002.223.004.357.8010.0211.21
$2501.852.503.626.508.359.34
$2001.482.002.905.206.687.47
$1501.111.502.173.905.015.60
$1000.741.001.452.603.343.74

Rates and/or benefits may be changed on a class basis. Rates are based on the attained age of the insured and increase as you enter each new age category. Rates shown above are rounded to the nearest penny. Please note that your bill will reflect the exact premium. For your convenience, you will be billed on a quarterly basis.

*Renewal rates only

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent
70571

Underwritten by: Hartford Life and Accident Insurance Company
Hartford, CT 06155
(AGP-5883 and AGP-5884)

May not be available in all states.

When Coverage Begins: You or your spouse’s coverage begins on the first day of the month following the Administrator’s approval of your application, provided you are Actively At Work, meet any applicable evidence of insurability requirements, and have paid your premium. If on the date you or your spouse are to become covered, you or your spouse are not Actively At Work, coverage will not begin until the date you are Actively At Work for 1 month.

When Coverage Ends: As long as you’re Actively At Work, except due to Total Disability covered by the Policy, pay your premiums when due, and the Master Policy remains in force, you can keep this plan until you reach age 70. If you cease to be Actively at Work due to a temporary lay-off or leave of absence, your coverage will continue for 26 weeks, provided you pay the required premium.

Exclusions: The Policy does not cover Disability or loss caused by intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane; pregnancy or childbirth, except Complications of Pregnancy; war or act of war, whether declared or undeclared; or Your commission or attempted commission of a felony.

Pre-Existing Conditions Limitation: Benefits will not be paid for any loss or period of Total Disability that begins during the first year of your insurance and which is a result of a Pre-existing Condition. A Pre-existing Condition means any Disability, diagnosed or undiagnosed, for which medical care is received by you: within the one-year period prior to the date your insurance starts; or with respect to any increase in coverage, within the one-year period prior to the effective date of your increase in coverage.

Recurrent Disability: if you cease to be Totally Disabled and return to work for a total of 10 days or less during the Elimination Period, the Elimination Period will not be interrupted. Periods of Disability separated by at least 3 months, during which You are Actively at Work, will be considered separate Periods of Disability.

Definitions:

Applicable to the Basic Plan and Extended Plan: Disability or Totally Disabled means disability which: 1) during the Elimination Period and the first 60 months during which Total Disability Benefits are payable, wholly and continuously prevents you or your spouse from performing the essential duties of you or your spouse’s occupation.

Applicable to the Select Plan: Disability or Totally Disabled means disability which: 1) during the Elimination Period and the first 24 months during which Total Disability Benefits are payable, wholly and continuously prevents you or your spouse from performing the essential duties of you or your spouse’s occupation; and 2) after that, wholly and continuously prevents you or your spouse from engaging in any occupation.

Elimination Period means the number of consecutive days at the beginning of any one period of Total Disability which must elapse before benefits are payable.

Actively At Work means you or your spouse are performing all the essential duties of your or your spouse’s occupation for wage or profit on a full-time basis (at least 30 hours per week).

Any Occupation means any occupation for which you or your spouse are qualified by education, training or experience, and that has an earnings potential greater than the lesser of: the amount of you or your spouse’s Pre-Disability Earnings and the benefit period percentage; or the maximum monthly benefit.

Current Monthly Earnings means monthly earnings you or your spouse receive from you or your spouse’s employer, and other employment, while you or your spouse are Totally Disabled.

Pre-Disability Earnings

  1. for sole proprietor, partners, and shareholders in a S-Corporation means the monthly average of earnings reported as “net earnings from self-employment” for federal income tax purposes for,  the 3 tax year(s) immediately prior to the last day You were Actively at Work before You became Disabled; or the 1 tax year immediately prior to the last day You were Actively at Work before You became Disabled if employed for less than 3 calendar years; or with respect to Partners and shareholders in a S-Corporation, the average draw during their period as a partner or shareholder, if less than the above period;
  2. for all others not defined above means your regular gross monthly rate of pay based on your statement of wages earned and taxes withheld (Form W-2) for the one-year period immediately prior to the last day you were Actively At Work before you became Totally Disabled; or the total number of calendar months immediately prior to the last day you were Actively At Work before you became Totally Disabled, if less than the above period.

 

Injury means bodily injury resulting directly from an accident and independent of disease or bodily infirmity which occurs while You or Your Spouse are covered under The Policy. However, an Injury will be considered a Sickness if Your or Your Spouse’s Disability begins more than 30 days after the date of the accident.

Sickness means a Disability or loss which is (1) caused by any condition, illness, disease or disorder of the body; any infection, except a pus-forming infection of an accidental cut or wound or bacterial infection resulting from an accidental ingestion of a contaminated substance; hernia of any type unless it is the immediate result of an accidental Injury covered by the Policy; or Complications of Pregnancy; or (2) caused by any medical or surgical treatment for a condition shown in item (1) above.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford 1. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.

This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services.

This brochure explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGP-5883 and AGP-5884 as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

A.G.I.A., Inc. is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. NASW/ASI is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Additionally, compensation is paid to or retained by the Group Policyholder directly or indirectly for services associated with this insurance program.

Endorsed by:

Underwritten by:

Hartford Life and Accident Insurance Company
Hartford, CT 06155

 

1The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

Read the full AGIA privacy policy.

CW Notice of Insurance Information Practices

MA Notice of Insurance Information Practices

Administered by:
A.G.I.A., Inc.
P.O. Box 26450, Phoenix, AZ 85068

 

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent
70571

Underwritten by: Hartford Life and Accident Insurance Company
Hartford, CT 06155
(AGP-5883 and AGP-5884)

May not be available in all states.

To apply, please click on your state of residence below for a printable application. If you do not see your state below, we are working on adding more states applications. Please check back at a later time.

Please mail your completed application to:
NASW Assurance Services
Group Insurance Program Administrators
PO Box 26450
Phoenix, AZ 85068-9955

Alabama Arizona Arkansas Colorado Delaware District of Columbia Hawaii Iowa
Louisiana Michigan Mississippi Montana Nebraska Oklahoma Pennsylvania Rhode Island
South Carolina Wisconsin Wyoming

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent
70571

Underwritten by: Hartford Life and Accident Insurance Company
Hartford, CT 06155
(AGP-5883 and AGP-5884)

May not be available in all states.

Terms Of Use

Terms of Service

Terms of Service
Important
Please Read This Entire Agreement Carefully

You must agree to these Terms of Service (“Agreement”) in order to enter into a transaction on this website. Please read this Agreement carefully.

The terms and conditions set forth in our Privacy Policy are hereby incorporated into this Agreement.

The Program Administrator provides this website, (collectively “Website” or “Site”) the materials and services to you as a user conditioned upon and subject to your acceptance of this Agreement. By using and/or accessing this site or its services, you acknowledge that you have read, understand, and agree to be legally bound by this agreement.

Definitions

The following defined terms are used in these Terms of Services:

“Program Administrator” means the entity that is offing and providing services through this website (collectively “Program Administrator” or “Administrator” or “we” or “us”).

“Carrier” means the insurance products described on this site are underwritten by reputable, licensed Underwriting Carrier(s).

“Service Provider” means service products are offered by a variety of reputable, approved vendors and their affiliates.

“Payee” means the merchant or other entity to which you authorize a bill payment to be directed.

“Payee Account” means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.

“Payment Instruction” means your instruction and authorization to the program administrator to make a bill payment to a payee.

“Payment Account” means the bank account that you authorize the program administrator to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.

“Payment Card” means the credit card or debit card that you instruct your program administrator to charge to pay your bill payment.

“Business Day” means Monday through Friday, excluding Federal Reserve holidays.

Bill Payment Service

When you initiate a Payment instruction, you authorize your program administrator to charge your payment card or debit your payment account and remit funds to the payee. If we are unable to obtain funds for a bill payment for any reason associated with your payment card or payment account (for example, there is not a sufficient balance available on your payment card or in your payment account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your payment instruction, the program administrator may attempt to contact you, using the telephone number you have provided.

If the program administrator makes a bill payment to your payee account but is unable to obtain funds for that payment from your payment card or payment account, you agree that your bill payment to your payee account will be reversed.

You agree that from time to time the payment services contemplated under this agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond the program administrators control or which are not reasonably foreseeable to the program administrator.

Our Liability for Failure to Complete Transactions

The program administrator will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, we shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:

  • Sufficient funds are not available through your payment account or your payment card;
  • Failure of any payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;
  • The bill Payment service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
  • You do not provide us with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct payee account information; or
  • Circumstances over which the program administrator has no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of nature, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.


LIMITATION OF LIABILITY AND YOUR EXCLUSIVE REMEDY

In the absence of any of the exclusions set forth above, it shall be the program administrator’s responsibility to correct any transactions not completed in accordance with your payment instructions. In the event that the program administrator is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall the program administrator’s liability to you ever exceed the amount of funds that we receive from your payment account or payment card for a bill payment. THE FOREGOING SHALL CONSTITUTE THE PROGRAM ADMINISTRATORS ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. THE USE OF THIS PAYMENT SERVICE IS AT YOUR SOLE RISK. IN NO EVENT SHALL [PROGRAM ADMINISTRATOR] BE LIABLE FOR ANY OTHER LOSS, INJURY, OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF YOUR USE OF THE BILL PAYMENT SERVICE. EXCEPT AS OTHERWISE EXPLICITLY SET FORTH HEREIN, WE SPECIFICALLY DISCLAIM AND YOU UNDERSTAND THAT WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESSED OR IMPLIED AND THE SAME ARE HEREBY EXCLUDED FROM THESE TERMS AND CONDITIONS AND ALL TRANSACTIONS CONTEMPLATED HEREBY. SOME STATES PROHIBIT THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THUS THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU.

User Authentication and Security

The Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) Data Security Standards so that no one can access your payment account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account Number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using the Bill Payment Service. If you permit other persons to use the Bill Payment Service or your bill payment authentication responses or other means to initiate a payment instruction on your behalf, you are solely responsible for any transactions they authorize.

If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use the Bill Payment Service without your consent, you must notify us at once by calling the program administrator at (800) 424-5181 during normal customer service hours.

Errors and Questions

In case of errors or questions about your transactions, you need to contact us as soon as possible.

1. Telephone us at the program administrator (800) 424-5181 during normal customer service hours.

2. Write us at: Program Administrator
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068

Charges

Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your payment instruction. By submitting your payment instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the program administrator to charge your designated payment card or debit your payment account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.

Governing Law

These Terms of Services shall be governed by the laws of the state of California without regard to that state’s conflicts of laws provisions and by applicable Federal laws and regulations.

Waivers

No delay or omission by us in exercising any rights or remedies under these Terms of Services will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.

Disclosures & Consent to Electronic Transactions / Electronic Signature

  • a. By entering this website and agreeing to be bound by this agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions
  • b. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct transactions in paper format if you wish. By entering this website and agreeing to be bound by this agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.
  • c. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance or service elections free of charge. Please print a paper copy of your elections for your records because if you will not be able to access your enrollment information on the site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the Program Administrator Office of Administration. You understand and agree that requests for change submitted to the carrier, service provider, or the Site will not be valid or take legal effect after the end of your enrollment.
  • d. Once you have given consent for an electronic transaction, you may withdraw your consent only if the carrier or service provider has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181 or by writing to the Office of Administration, PO Box 26450, Phoenix AZ 85068.
    There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance or service will remain effective until your request for cancellation is received by the program administrator policyholder or its representative.
  • e. You agree that your electronic signature authorizes The Underwriting Carrier(s), Service Provider(s) or its authorized representatives:
    • 1. to process this transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy or service agreement. For example, we will rely on your electronic signature to authorize us to process your request for service, insurance coverage(s) and beneficiary designation(s) made during your enrollment.
    • 2. to process, as applicable:
      • i. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or
      • ii. a billing transaction with your financial institution to deduct the appropriate amount from your account.
    • 3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.
  • f. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.


User Representations

You represent and warrant to the program administrator that: (a) you over the age of eighteen (18) and have the power and authority to enter into an perform your obligations under this agreement; (b) all information provided by you to the program administrator is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.

Additional Terms and Conditions

The program administrator provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to the particular program administrator, its affiliated companies and/or third party service providers. As a condition of your use of this Website and the services, you agree that you will not use the contents of this Website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.

In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of the program administrator in any way; use the website or services to modify or manipulate the website or services or any of the program administrators hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of the carrier/service provider or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.

You agree that the materials and services on this website are provided “as is” and for informational purposes only. You understand that neither the carrier, the service provider nor the program administrator makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. The carrier, service provider and the program administrator periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that the carrier, service provider and the program administrator take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that the carrier, service provider and the program administrator disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other’s rights.

You understand and agree that neither the carrier, nor the service provider, nor the program administrator is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and the carrier, the service provider and the program administrator do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.

You understand and agree that the information on the carrier’s insurance products or the service provider products as described in this website is not complete and does not change or affect the insurance policies or service agreements as actually issued. Although you have been provided with a description of benefits, you understand for insurance products, that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.

For insurance products, you understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the program administrator policy issued to your association/policyholder. You acknowledge and agree that if program administrator participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.

You understand that this website and the payment services contemplated hereunder may be performed by third-party vendors.

If any provision of this agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.

By enrolling you acknowledge that you have read the Program Administrator Privacy Policy on the program administrator’s website.

Revisions

We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.

Privacy Policy

AGIA Privacy Policy

AGIA Affinity (“AGIA”), believes protecting privacy of internet users visiting our website, www.agia.com (the “Site”), is of the utmost importance to ensure your trust in the programs we offer. AGIA’s Privacy Policy will inform you of the ways in which the Site collects personal information, the uses to which that information will be put, and the ways in which AGIA will protect any personal information you choose to provide us. For the purposes of this Policy, personal information that can be used to identify you or your activities on the Site of information about you which you provide to AGIA through services offered on the Site.

In many cases, AGIA will collect personal information on behalf of our commercial clients in accordance to a contract. In these circumstances, we act as a “Service Provider” or “Processor” to our clients under applicable privacy laws and are obligated to process personal information in accordance with clients’ instructions. In any case where AGIA is acting as a Service Provider or processor to our client, if you wish to exercise any of the rights outlined in this Policy, you should direct your request to our client, who is the party responsible for receiving, assessing, and responding to your requests. If a request is submitted directly to AGIA in a scenario where we only process your information in the role of Service Provider or Processor, AGIA may deny your request. If unsure, clarification of AGIA’s role regarding your personal information can be requested at anytime by contacting AGIA directly using the contact information described in this notice.

AGIA’s Privacy Policy applies solely to data collected via the Site. There may be additional personal information that we have or collect about you or your company pursuant to other relationships which is subject to other agreements and rules.

We take the privacy of your personal information very seriously and we will use your personally identifiable information only in accordance with the terms of this Privacy Policy. Personally Identifiable Information (“Personal Information”) means any information that could reasonably be used to identify you, including your name, address, birth dates, financial information, telephone number, social media contact information, or any combination of information that could be used to identify you. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the Site.

By accepting this Privacy Policy, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. By consent, you are acknowledging that you have read and understood this Privacy Policy and agree to be bound by it. If you do not agree with the terms of the Privacy Policy, please do not access our website. This Privacy Policy is incorporated into and subject to the terms of the website Terms of Service. The following discloses our website information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our website are subject to this Privacy Policy and any other terms of use or policies posted by us.

Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy.

Personal Information We Collect

There is an opportunity on our website for you to voluntarily provide us with personal information for inquiring about AGIA’s business. For example, we will need personal information from you when you submit a question online, or request product information. This information includes your name and e-mail address. We use your voluntarily provided personal information to provide you exceptional service and to create a more meaningful visit for you at this website. You may also choose to apply for a job with AGIA and submit a job application via our career site at https://www.agia.com/careers . Any personal information you send AGIA will be used only for the purpose indicated on the careers site or in this statement.

By providing us with personal information so we may assist you on this website, you are “opting-in” to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated, and you would like not be contacted again, please contact us using the procedures outlined below under “Questions About Your Information” to “opt-out” from future communications.

We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.

When you visit this website, we collect and store non-identifying information about your visit. The information we collect may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet Service Provider (ISP) or your Internet Protocol (IP) Address. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and is anonymized to prevent personal identification.

How We Use Your Personal Information

Internal Uses

We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personal information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

  • Cookies: We may utilize website cookies to collect information for the purposes of Site functionality, analytics, advertising, IP addresses only where strictly necessary. A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website’s computer and stored on your computer’s hard drive but cannot read data from your hard drive. Cookies can be used to provide you with relevant content and to make it easier for you to use a website upon a future visit. We may include cookies on our website and use them to recognize you when you return to our website. You may set your browser so that it does not accept cookies; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

  • Web Beacons: Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor’s cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.

AGIA Personal Information Processing

Because AGIA offers various insurance and non-insurance products and services, it should be noted that the information below may not be applicable in all circumstances, data elements are dependent on the individual customer relationship.

Personal Information Category

Description

Source Categories

Business Purpose for Collection

Third Parties With Whom we May Share Personal Information

Government-Issued Identifiers

 SSN
 State ID Card
 Passport
 Driver’s License

 Directly from you (or a member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Vendors
 Service Providers
 Employer

Contact Information

 Company or School Name
 Title
 Alias
 Mailing Address
 E-Mail Address
 Telephone Numbers

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client

Individual Identifiers

 Age
 Gender
 Race
 Sexual Orientation
 Marital Status
 Veteran Status
 Beneficiaries/Dependents
  Physical or Mental Disability

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client

Other Identifiers

 Client/Member
 Account
 Name/Number
 Policy Number
 Employee/member ID Number

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Vendors
 Service Providers
 Employer/Client

Financial Information

 Financial Account Numbers
 Credit Card Numbers (Payment Card Data)
 Consumer Reporting Data
 Insurance Account Numbers

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration

 Vendors
 Service Providers

Health Information

 Inferred Data (Health)
 Status of Disability
 Data collected by a Healthcare Provider or Health Insurance Company Subject to HIPAA or CMIA
 Payment Information for Healthcare Services
 Information About a Consumer’s Diagnosis or Treatment for Health Conditions
 Patient records, clinical trial records

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Policy Administration and/or Claims processing
 AGIA services to the client
 Communication with Individuals

 Vendors
 Service Providers
 Employer

Policy Information

  Any Policy or Documentation or Subsequent Information Submitted to AGIA in Order to Obtain Quotes for a Product or Service

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client

Employment-Related Information

 Job/Role Titles
 Resume with Work History

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration and/or Claims processing

 Vendors
 Service Providers
 Employer

Commercial Information

 Service Records
 Personal Property
 Customer Service Records
 Communication Preferences
 Other Preferences

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
 Insurance Carriers, Agents, or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client
  Non-Client Business Partners

Audio, Video, or Other Media

 Customer Service Call Center Recordings
 Voicemails

 Directly From You

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers

Disclosure to Third Parties

This website does not sell or rent any of your personal information to affiliates or unaffiliated third parties. We will not share any of your personal information with third parties except in the circumstances described below or with your permission.

 We disclose personal information with third parties or affiliates that we in good faith believe are appropriate to enable them to provide services to you and to contact you regarding additional products and/or services that you have expressed an interest.

 Cooperation in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of the -site’s Terms of Use or the Terms of Service Agreement, or as otherwise required by law. This may also include protecting and defending the rights, property, or safety of AGIA, other users of this Site or responding to claims that any content violates the rights of third parties.

 Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.

 We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

 As with any other business, it is possible that in the future we could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personal information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.

 As otherwise permitted by federal or state law.

Do Not Track

 Some internet browsers offer the user a “Do Not Track” technology.  The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user.  At the current time, this Site does not have the capability of recognizing a “Do Not Track” request.

Email

 The website does not automatically recognize your e-mail address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via e-mail. We collect the e-mail addresses of those who communicate with us via e-mail and online forms, including those who specifically check a box to subscribe on our online forms (for example, request for information on this website). Any user who signs up for e-mails can unsubscribe or manage his/her subscription by linking to the personal URL e-mailed to all subscribers. Every e-mail sent also includes information about how to stop receiving e-mails from us.

 We do not share the e-mail addresses we collect with similar benefits organizations.

Links to Other Sites

 For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites.

 AGIA is not responsible for the content or privacy practices of linked websites or their use. Once you leave the Site using an external link, you should refer to those websites’ privacy policies, terms of use, and practices in order to evaluate how they will handle any information they collect from you.

Questions About Your Information

If you have any questions, concerns, or complaints about this Privacy Policy in general or questions related to your personal information, please contact AGIA customer service at (800) 424-5181, via e-mail at compliance@agia.com, or, if you would prefer to communicate with us by regular mail, please use the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question and when you enroll online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to ensure secure web pages in your browser using SSL, we’ve acquired a security certificate from one of the Internet’s leaders in secure web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

California Consumer Privacy Act and California Privacy Rights Act: Privacy Policy for California Residents

  This section of the Privacy Policy describes the rights of California residents under the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”). The CCPA and CPRA requires that we provide privacy information to California residents and we use this separate section to ensure compliance with the CCPA and CPRA requirements. This section applies solely to natural persons residing in California (“Consumers”), and does not apply to individuals living elsewhere, businesses or other corporate entities.

Sale of Personal Information

  Personal Information is information that identifies, relates to or could reasonably be linked with a particular California resident or household. We do not sell your personal information.  The CCPA and CPRA requires disclosure of this fact.

Your Rights Under the California Consumer Privacy Act and California Privacy Rights Act

Right to Confirm or Access Information

  You may have the right to confirm whether we process certain information or what information we process, and to obtain a copy of that information in a format that allows you to transmit the information to another business without difficulty.

  Once we receive and confirm your identity and verifiable consumer request, we will disclose to you the following at your direction (with various exceptions):

a)  The categories of personal information we collected about you in the last 12 months;

b)  The categories of sources for the personal information we collected about you in the last 12 months;

c)  Our business or commercial purpose for collecting or selling that personal information;

d)  The categories of third parties with whom we share that personal information;

e)  The specific pieces of personal information we collected about you;

f)  If we sold or disclosed your personal information for a business purpose a list of the personal information types that each category of recipient purchased; and

g)  If we disclosed your personal information to a third party for a business purpose, a list of the personal information types that each category of recipient received.

Right to Delete Personal Information

  You have the right to request that AGIA delete any of your personal information we collected from you and retained, with certain exceptions. You will need to submit a valid and verifiable request so AGIA can confirm your identity and/or authorization to make such a request. AGIA will determine if retaining the information is permitted or required under the law. If no retention conditions apply, we will delete your personal information from our records and direct any Service Providers to do the same.

Right to Correct Personal Information

  Taking into consideration the nature of the personal information and the purposes of the processing of your personal information, you may have the right to correct inaccuracies in such information. Upon submission to AGIA of a valid and verifiable request where your identity and authorization can be confirmed, AGIA will use all reasonable efforts to correct the inaccurate information.

Right to Limit Processing of Sensitive Personal Information

  AGIA processes sensitive personal information only as necessary in performance of our services to ensure the security and integrity of your information or as otherwise specified under regulation. Because AGIA does not process your sensitive personal information for other purposes, there is not a mechanism for you to limit the processing of this information.

Right to Opt-Out of Profiling

  AGIA does not engage in automated processing of personal information to make decisions that yield legal or other material consequence. Because we do not engage in this processing, AGIA does not provide a mechanism for you to limit our processing of personal information in this manner.

Right to Opt-Out

  AGIA does not sell your personal information; therefore we do not provide a mechanism for you to limit our processing of personal information in such a manner.

Right to Non-Discrimination

  AGIA will not discriminate against you for exercising any of your rights under the CCPA or CPRA. Examples of discrimination could be charging you inflated rates by imposing penalties or granting discounts or other benefits, denying you goods or services or providing you a different level of quality of goods or services.

  Any acts of discrimination are prohibited by the CCPA and CPRA and AGIA will not engage in them.

Personal Information We Collect, Sources and How We Use It

  In our Privacy Policy, sections titled, “Personal Information We Collect”, “How We Use Your Personal Information”, and “AGIA Personal Information Processing” outline the personal information we collect, its sources and how we use it for all consumers we interact with, including California residents. In effect, it is used to provide and manage products and services we provide and support our everyday operations, including risk management, legal and compliance requirements.

Exercising Your Rights as a California Consumer

  You, or a person authorized by you to act on your behalf, or an entity registered with the California Secretary of State and authorized by you to act on your behalf, can make a request regarding your personal information under the CCPA and CPRA. You may also make a request on behalf of your minor child.

  If you would like to exercise your right to request a copy of your personal information or your right to delete your personal information, please contact AGIA customer service by calling (800) 424-5181, by email at compliance@agia.com, or utilize regular mail by using the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ  85068

Revisions and Notification of Changes

 We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this Site. Any changes AGIA makes to this Privacy Policy become effective immediately when the revised Policy is posted on this Site. By using this Site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers. If we make any changes regarding disclosure of personal information to third parties, we will attempt to contact you prior to the date the modified policy is scheduled to take effect. We will post notice of the new Privacy Policy from the privacy links on our Site. Your use of the Site following such change constitutes your agreement to follow and be bound by the Privacy Policy as changed.

Children

AGIA does not knowingly collect, use or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. Further, if you are sixteen (16) years of age or older, you have the right to direct us to not sell your personal information at any time. However, AGIA will never knowingly sell or share personal information of children if between 13 to 16 years of age or the parent or guardian of a consumer less than 13 years of age. This Site is not intended for children and any instance where such information was collected would be unintentional.