This is the web site of North Carolina Mutual Insurance Company.

Our postal address is:
411 Chapel Hill Street
Durham, North Carolina 27701

We can be reached via e-mail at privacyquestions@ncmutuallife.com
or you can reach us by telephone at: (919) 682-9201.

We do not rent, lease, loan, share or sell our visitor information to any third party.

Your privacy is important to us and this policy has been put in place to inform you of our practices and how you can make changes.

This privacy policy follows the guidelines set forth by the Federal Trade Commission (FTC), specifically, it includes the FTC’s Four Fair Information Practices:

• Notice
  Data collectors must disclose their informational practices before collecting personal information from consumers.
• Choice
  Consumers must be given options with respect to whether or how personal information collected from them may be used for purposes beyond those for which the information was provided.
• Access
  Consumers should be able to view and contest the accuracy and completeness of data collected about them.
• Security
  Data collectors must take reasonable steps to ensure that information collected from consumers is accurate and secure from unauthorized use.

For each visitor to our Web page, our Web server automatically recognizes only the consumer’s IP address (where possible), but not the e-mail address. This information is not attached to an email address or other identifying information.

We collect only information that is volunteered by our visitors:

• e-mail addresses of those who communicate with us via e-mail;
• information volunteered by the consumer, such as survey information and/or site registrations;
• information provided by the website visitor when applying for services, employment, etc.

Our web stats program collects aggregate information on what pages consumers access or visit. We use that information to make improvements in the website.

The information we collect is used for internal review, to respond to communications to us, to provide requested information or items, and to occasionally notify consumers about service or program offerings, or updates to our Web site.

If you do not want to receive e-mail from us in the future, please let us know by sending an e-mail to remove@ncmutuallife.com with a request to be removed from our email list.
With respect to cookies: We do not set any cookies.

If you supply us with your postal address on-line you may receive occasional mailings from us with expressions of appreciation, information on new products and services or upcoming events. If you do not wish to receive such postal mailings, please let us know by sending an e-mail to remove@ncmutuallife.com with a request to be removed from our postal mailing list. You must provide us with your exact name and address so that we may remove it from our postal mailing list.

Persons who supply us with their telephone numbers on-line will only receive telephone contact from us regarding the requests for information they have placed on-line, or to clarify information they have provided or requested on-line.

With respect to Ad Servers, we have affiliate relationships with several companies whose products may be of interest to you. Their ads may appear on our website or in our newsletter/e-zine. There may also be links to their website on our website. Please check their privacy policy for information about what data they may collect and how it may be used. We also provide links to other websites. Clicking on these links will take you off our website and to the other website, usually in a new window. By providing links to other sites, North Carolina Mutual Insurance Company does not guarantee, approve or endorse the information, services or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to North Carolina Mutual Insurance Company. Our privacy policy does not extend to your visit to another website.

From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our Web site to notify you of these changes. At the time of the change, you may opt out of these new uses by sending us an email to remove@ncmutuallife.com. If you are concerned about how your information is used, you should check back at our Web site periodically.
Customers may prevent their information from being used for purposes other than those for which it was originally collected by sending an email to originaluse@ncmutuallife.com.
Upon written request, we provide site visitors with access to contact information (e.g., name, address, phone number) that we maintain about them. Consumers can access this information by sending an e-mail to us at accesscontactinfo@ncmutuallife.com.

Upon written request, we offer visitors the ability to have inaccuracies corrected in their contact information.

You can have this information corrected by sending an email accesscontactinfo@ncmutuallife.com. To protect your privacy, we will take reasonable steps to verify your identity before allowing you to change or correct the information we have.

With respect to security, when we transfer and receive certain types of sensitive information such as financial information, we redirect visitors to a secure server. We take reasonable steps to ensure that information we collect from consumers is accurate and secure from unauthorized use.

If you have questions or concerns about your privacy, or if you feel that this site is not following its stated information policy, please contact us in writing at the above addresses, or via email at privacyquestions@ncmutuallife.com.