AF Group is dedicated to providing exceptional products and services and effective claims management. As part of that effort, we recognize that current or prospective customers who visit our website or who use our interactive web services may disclose sensitive information to us, and thus we respect and safeguard the privacy of all who visit our website.
Because gathering your information is integral to some of the services we provide to you, we want you to understand what information we collect and how the information we collect is used and safeguarded.
The Information We Collect and How We Use and Disclose Information
The AF Group website is designed to give current customers, prospective customers, and visitors a confidential means of gathering information about AF Group, about our products and services, and for doing business with us over the Internet.
Whether you are a current or prospective customer, our level of information gathering varies depending on the services that you request from us. When we do gather information from you, it is so that we may better meet your needs or to offer products or services to you. We collect information about you from a variety of sources, such as:
- Applications, claims reports, and other forms you submit to us including those provided over the telephone or online to set-up, access, manage, or administer your accounts or insurance claims; to obtain a policy quote; ask a question; or register for an AF Group sponsored event;
- Your transactions with us, such as payment history, account balance, or payment method;
- Credit bureaus, such as credit standing or credit score, to offer payment plan options;
- Medical record information supplied by medical care professionals and institutions, only to process, evaluate, or defend claims. We do not collect or share medical information other than as required or allowed by law.
We do not disclose information about you to anyone unless such disclosure is expressly authorized by you, required or allowed by law, or is necessary to enable our employees or authorized agents to perform functions for AF Group.
For example, we may disclose any non-public personal or medical information that we collect about you to:
- Companies that perform services on our behalf
- Companies that assist us with underwriting or processing applications or payments
- Companies that assist us with evaluating, adjusting or defending claims
When we use third parties to assist us we do not permit them to use our customer’s, prospective customer’s, or injured worker’s information for any other purpose. Any disclosure of your policy number shall only be to a recipient authorized by law. Unless specifically requested by you, we will not disclose your non-public personal or medical information to a nonaffiliated third party for marketing purposes of any kind, including telemarketing, direct mail marketing, or electronic mail marketing.
Moreover, if you are a current customer of our claims services products, you may be asked to provide non-public personal information concerning your employees in connection with a claim for workers’ compensation benefits. You can rest assured that this information is shared with third parties only with notice to the involved employees, or without notice as expressly required or permitted by law and is subject to a security program consisting of physical, electronic, and procedural safeguards (including encryption of any Social Security Numbers at all times) designed to ensure the security and confidentiality of that information.
We may also subscribe to certain insurance support organizations that maintain information for among other things to detect or prevent fraud or criminal activity in connection with insurance underwriting or insurance claims activity. Information we obtain from an insurance support organization may be retained by that organization and disclosed to other persons.
If you are simply visiting or navigating our website, AF Group will not sell or share non-public personal information, such as individually identifiable information like your name, address, email address, Social Security number, or telephone number, gathered from you. However, while you are visiting or navigating our site, our web server may collect anonymous, non-personally identifiable information from you, such as your domain name, IP address, and the type of browser you are using. Such information is gathered for statistical purposes and may be used to better allow us to understand our users’ interests and preferences. This information will not be disclosed to anyone outside AF Group unless necessary to better meet your needs, to offer AF Group. products or services to you, or allowed or required by law.
Additionally, when you visit or use our site, we may place a “cookie” on your browser. “Cookies” are small pieces of information transferred from our website to your hard drive that contain a unique identifier recognized by our web server. They allow us to track usage and facilitate your access to and use of this site by allowing your experience on our website to be customized and permit us to authenticate your identity as a returning user when you browse portions of the website restricted to registered users.
Our “cookies” do not track your activity on third party sites. We do not use “cookies” to gather personal information about you and we do not link them to identifiable information, such as policy number. The “cookies” only enable someone to use our website more easily. You do not have to accept “cookies” from our site, but if you refuse a “cookie,” you may not be able to browse the restricted areas of our website for security reasons.
Our policies and practices regarding the collections, use, and disclosure of information about former customers are the same as those regarding the collection, use, and disclosure about current customers.
Protecting the Information We Collect
We understand that you may submit confidential and sensitive information to our website. We may utilize the website hosting services of third parties who are in the business of providing such hosting services. We will use commercially reasonable efforts to ensure that such third party service providers utilize stringent, industry recognized security measures to protect against loss, misuse and unauthorized viewing of the information you provide to us, however, we do not guarantee the performance of such third party service providers.
Access to confidential information that you provide to AF Group via the input forms provided on this website is limited to authorized employees and agents of AF Group who are trained in the proper handling of our prospective or current customer’s information and who must have it to provide products and services to you. Additionally, in order to safeguard the privacy of information that you submit to this website, AF Group, through its website hosting providers, maintains physical, electronic, and procedural safeguards that comply with applicable federal and state law, including SSL encryption, firewalls, user authentication systems and access control mechanisms to control access to any non-public personal information that may be shared over this website. AF Group is committed to ongoing testing and updating of our technology and security measures to protect information about you.
You are advised that information sent via email, or by other methods across the world wide web, to AF Group are not secure transmissions, and AF Group makes no guarantees regarding the privacy of such submissions while they are in transit. If you wish to communicate confidential information to us, we recommend using a non-cellular telephone rather than email.
Your Right to Review and Correct Information
If you wish to review your personal information, please send a written request to:
200 N. Grand Ave.
PO Box 40790
Lansing, MI 48901-7990
Include your name, address, telephone number, and policy number. We may charge a small fee to collect and send the information to you.
If you see any mistakes, let us know and we will review it. If we agree, we will correct our files. If we disagree, you may file a short statement of dispute with us. Your statement will be included with any information we disclose in the future. We will also send the statement to anyone you ask that received the information in the past two years.
Non-AF Group Websites
Changes to This Policy
200 N. Grand Ave.
PO Box 40790
Lansing, MI 48901-7990
Privacy Notices Required By Law