Last Updated: December 2023
In this Privacy Notice, we describe how MG LLC d/b/a TRANZACT, a Delaware limited liability company, and our affiliated and subsidiary companies (collectively, “TRANZACT,” “we,” or “us”) collect, use, disclose, and protect the personal information about our customers and users of our websites and services.
We provide online and over the telephone information about certain insurance products and can connect you with a licensed insurance agent to assist with enrollment into an insurance plan offered by a third-party insurer. By calling us or completing a web form, you will have the opportunity to speak with a licensed insurance agent who can help determine your eligibility, provide information about the plans that we offer, answer your questions and/or assist with enrollment into a plan (individually and collectively, the “Services”).
We collect the categories of personal information listed in the table below.
Category of Personal Information Collected
Sold or Shared
|Identifiers, including names, online identifiers, IP addresses, email addresses, account names, Social Security numbers, driver's license numbers, passport numbers, and other similar identifiers.
|Personal information categories listed in the California Customer Records statute, including names, telephone numbers, and payment information (credit/debit card numbers).
|Protected classification characteristics under federal law or California law, including age (over 40).
|Commercial information, including products or services purchased, obtained, or considered.
|Internet or other electronic network activity information, including browsing history and information regarding interactions with our Sites and advertisements.
|Geolocation data, such as IP location.
|Audio, electronic, visual, or similar information, including phone call recordings.
|Inferences, meaning inferences drawn from any of the information in the above-listed categories of information.
|Sensitive personal information, including Social Security numbers, driver's license/state ID card numbers, passport numbers, and account log-in information in combination with passwords.
We use the personal information that we collect for the following purposes:
We “sell” or “share” (as these terms are defined in applicable privacy laws) certain categories of personal information, and you may exercise your right to opt out of such disclosures by clicking the Do Not Sell or Share My Personal Information link in the footer of the Site.
We retain each category of personal information that we collect for as long as necessary to fulfill the purposes described in this Privacy Notice, including to satisfy legal or reporting requirements.
More information, including a description of your legal rights, can be found below under “Additional Information for Residents in Certain Jurisdictions.”
This Privacy Notice applies to the personal information that TRANZACT collects or receives about individuals who use our products and Services (as defined below), either for themselves or on behalf of an organization or entity:
The above-listed activities and our interactions with you are included as part of the Services.
This Privacy Notice does not apply to any third-party websites, mobile applications, services, or products maintained by other companies, including those that are linked to or accessible from the Services. In addition, this Privacy Notice does not apply to any personal information that we collect and process that is subject to the Health Insurance Portability and Accountability Act of 1996 (HIPAA) or the Gramm-Leach Bliley Act (GLBA), including the implementing regulations associated with these laws.
In this Privacy Notice, “personal information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you, which is sometimes called “personal data.”
By providing your personal information to us through the Services or otherwise interacting with us, you understand and acknowledge that TRANZACT will handle your personal information in accordance with this Privacy Notice. If you do not want this Privacy Notice to apply to you, please do not use the Services or interact with us. If required by applicable law, we will obtain your consent to collect, use, transfer, and/or disclose your personal information.
Depending on how you use the Services and how you otherwise interact with us, we may collect your personal information in several ways, including: (1) directly from you; (2) automatically when you visit and interact with the Sites; and (3) in some cases, from third-party sources, such as Third-Party Insurers, in connection with the Services.
Generally, we collect your personal information on a voluntary basis. However, if you decline to provide certain personal information that is marked mandatory, you may not be able to access certain Services, or we may be unable to fully respond to your inquiry. The personal information that we collect, and process will vary depending upon the exact circumstances of your interaction with us. Additional details regarding our collection of your personal information are included below.
Information Collected Directly from You. We collect personal information that you provide to us when you inquire about or use the Services, request a quote from us, fill out forms or fields on the Sites, create or submit an application through the Services, request information from us, sign up for our newsletters or our email list, participate in a survey or promotion administered by us (or on our behalf), or when you otherwise communicate or interact with us (via the Sites, telephone, email, or other means).
Depending on the context of your interactions with us and the Services, the categories of personal information that we may collect directly from you include:
The specific types of information we (and our vendors and partners) may collect include:
The information that we collect automatically may be linked with other personal information we (and our vendors and partners) collect. For more information, see the Cookies and Analytics section below.
Information Received from Third-Party Sources. We may obtain your personal information from other sources, including our service providers, our business partners, our analytics partners, social media platforms, and publicly accessible databases. Sometimes we collect information about you from the Third-Party Insurers or other companies that we work with to provide you our Services, or they may provide us with your information at your direction. The information that we receive from these sources may include contact information, demographic information, and internet or other electronic network activity information. We use the information that we receive from these sources to help us maintain the accuracy of or supplement the information that we collect; personalize your experience with the Services; conduct internal business analysis; and fulfill other business or commercial purposes described in this Privacy Notice.
Additionally, if we help you identify, apply for, or obtain insurance from a Third-Party Insurer, we may receive limited information back from the Third-Party Insurer when your insurance policy is issued (e.g., the date, term, premium amount, payment terms, etc.).
Combination of Information. We may combine the personal information that we receive from and about you, including information you provide to us, information we automatically collect through the Sites, and information we receive from third-party sources. Where applicable, we will use, disclose, and protect the combined information as described in this Privacy Notice.
We may disclose each of the categories personal information we collect to the following categories of recipients for business purposes:
We have sold or shared the categories of personal information identified in the Notice at Collection with the following types of recipients:
Details on how to exercise certain legal rights with respect to such “sales” can be found in the “Additional Information for Residents in Certain Jurisdictions” section below.
We also disclose personal information to the following recipients:
Finally, we may disclose your personal information for other reasons that we will describe at the time of information collection or prior to disclosing your personal information. Additionally, we will disclose your personal information with your consent or when you direct us to do so.
Aggregate and De-identified Data. We may de-identify personal information and create anonymous and aggregated data sets and reports to assess, improve, and develop our business, products, and services; to prepare benchmarking reports on our industry; and to fulfill other research, marketing, and analytics purposes. When we de-identify personal information, we implement reasonable measures as required by law to ensure that the de-identified data cannot be associated with any individual. We will only maintain and use such data in a de-identified manner and not attempt to re-identify the data, except as required or permitted by law. We may disclose aggregate or de-identified information to third parties for research, marketing, advertising, analytics, and/or other purposes.
Cookies. Cookies are files that are transferred to your device through your web browser for record-keeping purposes. Some cookies enable you to log in to the Sites or save certain settings and preferences, while others allow us to track usage and activities on the Sites, personalize content on the Sites, or deliver more relevant ads on the Sites and third-party services. If your browser automatically accepts cookies, you can set your browser options to block them. Please refer to your browser's “Help” section to learn how to prevent your device from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If you disable cookies, however, certain features on the Sites may not be available or function properly.
Pixel Tags and Embedded Scripts. Pixel tags (aka clear GIFs or web beacons) are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your device, pixel tags are embedded invisibly on web pages. We may use these in connection with the Sites to, among other things, track activity on the Sites and gather usage information and personalize and manage content on the Sites. We may also use these in HTML emails to help us identify when our emails are viewed, track whether our emails are forwarded, and track email response rates.
Session Replay Scripts. We use session replay software to capture information concerning your interaction(s) with the Sites, including keystrokes, mouse movements, and clicks; movements within a webpage and through a Site; interactions with menus, banners, and forms; and form field entries. We may use third-party software embedded in the script of a Site to monitor your interaction with the Site and/or for our compliance verification purposes, which may mean that the third-party software provider also collects this information. By using the Sites, you consent to this collection and disclosure of your information.
Google Analytics. We use Google Analytics to better understand how users interact with the Sites. For information on Google Analytics' information handling practices and how you can control the use of information sent to Google, please visit https://policies.google.com/technologies/partner-sites. If you wish to prevent your information from being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout.
Opt-Out Preference Signals and “Do-Not-Track” Signals. If you enable the Global Privacy Control (“GPC”) on your browser when visiting the Sites, the Sites will treat the signal as a valid request to exercise your opt-out right(s) under applicable privacy law. For more information about the GPC and to learn how to implement it on your browser, please click here. Please note the Sites do not recognize or respond to any signal which your browser might transmit through its so-called “Do Not Track” (“DNT”) feature. If you wish to disable cookies on the Sites, you should not rely on DNT browser settings. For more information about DNT signals, please click here.
Custom Lists and Matching. We may create and disclose hashed customer list information (such as name and email address) to third parties—such as Facebook and Twitter—so that we can better target ads and content to you and others with similar interests on third-party services. These third parties use the personal information we provide to help us target ads and to enforce their terms, but we do not permit them to use or disclose the personal information we provide to other third-party advertisers.
Opt Out of Interest-Based Advertising. You may be able to opt out of receiving interest-based advertising using the browser opt-out tools and consumer choice mechanisms provided by interest-based advertising self-regulatory groups by following the links below:
Please note that you will need to opt out separately on all of your browsers and devices, as each opt-out will apply only to the specific browser or device from which you opt out. If you delete or reset your cookies, change browsers, or use a different device, you will have to opt out again on that browser or device.
Using the opt-out methods linked to above will not opt you out of being served advertising. Specifically, you may continue to receive generic or “contextual” ads on the Sites. You may also continue to receive ads tailored to your interests on other websites from companies that do not participate in the above-listed programs.
Some of our advertising partners may provide you with additional choices with respect to interest-based advertising. For example, certain social media platforms may allow you to control your advertising preferences directly through their services. Please review the privacy policies of the third-party services you use for more information.
We retain personal information as long as necessary to accomplish the purposes identified in this Privacy Notice, including to satisfy our legal and reporting requirements. This means that we may be required to maintain your personal information, for example, to: (1) comply with our legal or regulatory compliance needs (e.g., maintaining records of transactions you have made with us); (2) exercise, establish, or defend legal claims; and/or (3) protect against fraudulent or abusive activity. For these and possibly other reasons, we may be unable to delete personal information upon your request in certain cases.
We may retain different categories of personal information for different periods of time for the instances stated above. However, it is our policy as an organization that when personal information is no longer needed or after legal authority to retain it has expired, personal information will be deleted, destroyed, or de-identified in accordance with applicable law and pursuant to procedures established in relation to the relevant services, systems, or processes. Retention periods for records maintained by us, including those containing personal information, are established based upon business need, statutory and regulatory record keeping requirements in the geographies where we do business, and legal obligations.
We provide you with the ability to make certain choices about how we use your personal information, as described below.
Access and correct personal information: If you would like to review and/or update your contact details or other personal information provided to us, please contact us as set forth in the Contact Us section below. Depending on your U.S. state residency, under applicable law you may have certain rights with respect to your personal information, which are set forth below in the “Additional Information for Residents in Certain Jurisdictions” section.
Marketing Communications Preferences: You may opt out of receiving marketing communications from us as follows:
Please note that even if you opt out of receiving marketing communications from us, you will still receive non-marketing or transactional communications from us, including responses to your inquiries/requests.
To unsubscribe from a Third-Party Insurer's communications, you must contact such Third-Party Insurer directly.
Interest-Based Advertising: To exercise your interest-based advertising choices, please review and follow the instructions set forth in the Interest-Based Advertising section above.
The Sites may contain links to third-party owned and/or operated services, which are not governed by this Privacy Notice. These third-party services have separate privacy policies and information handling practices, and we have no responsibility or liability relating to such policies or practices. We encourage you to review all third parties' privacy policies before providing them with your personal information.
We take certain physical, electronic, contractual, and managerial steps to safeguard and secure the personal information we collect. Despite this, the security of the transmission of information via the Internet cannot always be guaranteed and you acknowledge this in your access and use of the Sites.
Please note that it is your responsibility to maintain the confidentiality of the password associated with any account that you create on the Sites, if any.
The Services are not designed for individuals under the age of 18, and we do not knowingly solicit or collect personal information from individuals under the age of 18. If we gain actual knowledge that we have collected or received personal information relating to anyone under the age of 18, we will take reasonable steps to delete it.
In this section, we provide additional information as required under applicable privacy laws in certain jurisdictions.
Use and Disclosure of Sensitive Personal Information. As detailed in the Notice at Collection, we collect certain “sensitive personal information,” as defined in the California Consumer Privacy Act (“CCPA”). However, we do not use or disclose sensitive personal information for any purpose outside of the limited permissible purposes set forth in the regulations implementing the CCPA. These purposes include providing the Services and preventing, detecting, and investigating security incidents.
If you are a California, Connecticut, or Virginia resident, you may take advantage of the following privacy rights, unless an exemption applies, subject to applicable law:
We will not discriminate against you if you decide to exercise these rights.
Submitting Legal Rights Requests. If you are interested in exercising any of the above-listed rights, you can do so by:
Exercising your rights does not require you to create an account with us. Following the submission of your request, we will acknowledge our receipt of it and verify it. To verify your request, we may ask you to provide the following information:
Where applicable, we will use the requested information for verification purposes only. We may decline certain requests if we cannot verify your identity and confirm that the personal information we maintain relates to you.
Following the successful verification of your request, we will process and respond to it in accordance with applicable privacy laws. We may decline certain requests if we cannot verify your identity and confirm that the personal information we maintain relates to you.
Exercising Your Right to Opt Out of Sale, Sharing, and Targeted Advertising. As detailed in the chart above, we “sell” and “share” certain categories of personal information to and with third parties. If you are 16 years of age or older, in addition to the rights described above, you have the right to direct us to not “sell” or “share” your personal information, and to opt out of targeted advertising, at any time. To exercise your opt-out right, you may submit a request to us by clicking the Do Not Sell/Share My Personal Info link in the footer of our Site, and following the instructions. We do not “sell” or “share” the personal information of individuals we know to be under the age of 16.
Alternatively, you may use a browser-based opt-out preference signal, such as Global Privacy Control (GPC). Upon receipt or detection, we will treat the signal as a valid request to opt out of the sale or sharing of personal information linked to that browser and any consumer profile we have associated with that browser. Please note that if you use different browsers or browser profiles, you will have to enable the signal on each one that you use.
Authorized Agents. If you are a resident of California or Connecticut, you may authorize someone to submit a privacy rights request on your behalf (an “authorized agent”). An authorized agent will need to demonstrate that you've authorized them to act on your behalf, unless you have provided the agent with power of attorney pursuant to applicable probate law. Depending on the evidence provided, we may also contact you to verify your identity with us or request confirmation from you that the agent is authorized to submit the request on your behalf.
Appealing Privacy Rights Decisions. If you reside in Connecticut or Virginia, in the event that we do not take action on your request, you also have the right to appeal the decision. To appeal our decision, please send an email to firstname.lastname@example.org with the subject line “U.S. State Privacy Rights Request Appeal.” If you are unsatisfied with the way that we have handled your appeal, you have the right to complain to your state's Attorney General.
Metrics. In calendar year 2022, we received and responded to consumer requests under the CCPA as set forth in the table below:
|Number of Requests Received
|Number of Requests With Which We Complied (in whole or in part)
|Number of Requests Denied*
|Average Response Time (Number of Days)
|Requests to Know
|Requests to Delete
|Requests to Opt Out of the Sale of Personal Information
*This includes requests that were denied because we were unable to verify the identity of the requestor.
We may amend this Privacy Notice from time to time to reflect changes in our information handling and privacy practices and/or changes in applicable law.
The “Last Updated” date at the top of this page indicates when this Privacy Notice was last revised. When we make changes, we will revise the date at the top of this page and, in the case of material changes, we will provide appropriate online notice to you.
Unless otherwise stated, the current version of this Privacy Notice applies to all personal information under our control. We encourage you to review this Privacy Notice periodically to remain informed about our information handling and privacy practices.
If you have any questions or suggestions regarding this Privacy Notice or our information handling practices, you should feel free to email us at email@example.com or write to us at:
TZ Insurance Solutions LLC
96 Linwood Plaza #144
Fort Lee, NJ 07024
© 2024 Mutual of Omaha Insurance Company. 3300 Mutual of Omaha Plaza, Omaha, NE 68175. All Rights Reserved.
Powered by TZ Insurance Solutions LLC.
For California residents, CA-Do Not Sell My Personal Info, Click here
Medicare supplement insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Neither Mutual of Omaha Insurance Company nor its Medicare supplement insurance policies are connected with or endorsed by the U.S. government or the federal Medicare program. Mutual of Omaha Insurance Company is licensed nationwide. Policy forms: MM20, MM21, MM22, MM23, MM24, MM25, MM30, MM34, MM35, MM36 or state equivalent. In CA: MM20-24250, MM24-24251, MM25-24252, MM34-24916, MM35-24917, MM36-25627; in ID: MM20-24035, MM24-24036, MM25-24037, MM34-25010, MM35-25011; in NH: MM20-24462, MM24-24463, MM25-24464, MM34-25031, MM35-25032, MM36-25632; in PA: MM20-24978, MM21-24980, MM22-24982, MM23-24984, MM24-24986, MM25-24988, MM34-24990, MM35-24992; in VA: MM20-25669, MM24-25670, MM25-25671, MM35-25673; MM36-25672; App: MA6026-44. Not all policy forms may be available in every state. Your Medicare supplement insurance policy will not pay for: expenses you incur while your policy is not in force; except as provided in the EXTENSION OF BENEFITS section; your confinement in a hospital or skilled nursing facility during a Medicare Part A benefit period that begins while your policy is not in force; any expense you incur which is paid for by Medicare; any expense that is payable under any other insurance plan, policy, or certificate, or any employee benefit plan, which pays benefits on an expense-incurred basis; non-Medicare-eligible expenses, including, but not limited to, routine exams, take-home drugs, and eye refractions; services for which a charge is not normally made in the absence of insurance; or loss of expense that is payable under Medicare supplement insurance policy or certificate. IMPORTANT NOTICE - “A CONSUMER'S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE” MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM MUTUAL OF OMAHA INSURANCE COMPANY.
✝ WA, OR residents: All references to "agent" should be replaced with "producer."
* Rating only refers to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company.
GA residents: THIS IS A LIMITED POLICY DESIGNED TO COVER ONLY THOSE EXPENSES WHICH MEDICARE DOES NOT COVER.
This is a solicitation of insurance and a licensed agent may contact you by telephone to provide additional information. AN OUTLINE OF COVERAGE IS AVAILABLE UPON REQUEST.
Note: In some states, Medicare supplement policies are available to those eligible for Medicare due to a disability, regardless of age.