Validity start date: September 10, 2017
Date of last update: September 10, 2017
"Personal information" means data that identifies you or others or that may be used in any way to identify you or others and which are sent to the Mutual.Life website and/or collected through it. Examples of personal information are: name, mailing address, e-mail, telephone number, contact preferences, credit card information, information about goods, and more.
Mutual.Life may confirm personal information by consulting with public bodies, specialized companies, restrictive registries or risk centrals. The information that Mutual.Life obtains from these entities will be treated confidentially. Notwithstanding the foregoing, you are responsible for the truthfulness, accuracy, validity and authenticity of the personal information you provide, and should keep them updated. Consequently, Mutual.Life has no responsibility whatsoever if you provide false or inaccurate information related to your personal or third-party information provided by you.
Mutual.Life obtains information through the internet in two ways:
Your browser automatically transmits to Mutual.Life's website information collected through passive data collection technologies (cookies and web beacons), such as the URL (Uniform Resource Locator) of the website you just visited, the browser version with which your computer operates and the Internet Protocol (IP) address of your computer.
Cookies are small text files transferred to your computer's hard drive by a web page. Web beacons (also called GIF files, pixels or internet tags) help Mutual.Life recognize a specific cookie in your browser.
The IP address is a number assigned to your computer by your internet service provider so that you can access the internet and is generally considered as non-personal information because in most cases the IP address is dynamic (changing each time you connect to the internet), rather than static (unique to a particular user's computer). However, to the extent that the IP address of your computer, dynamic or static, is considered personal information, Mutual.Life will also treat this identifier as personal information.
Mutual.Life will use your personal information provided through the website to enable efficient delivery of services and to answer your questions. When you submit personal information through a form or data field on the Mutual.Life website, Mutual.Life may use this personal information to provide you access to services as well as to provide you with the opportunity to receive news and updates about Mutual.Life services as well as to invite you to participate in surveys about our services or to report special rates if you give us your explicit consent. Mutual.Life may also use certain identifying technologies to allow the website to "remember" your personal preferences, such as the parts of the website you visit frequently and, if you like, your user identification.
Mutual.Life may consolidate the personal information of users using the Mutual.Life website. In addition, Mutual.Life may consolidate information in an unidentifiable format (aggregated/anonymous data) to assist in the further development of the Mutual.Life website, the products and services offered, contributing to Mutual.Life's research activities and to facilitate business activities promoted through the Mutual.Life website.
You can always limit the amount and type of personal information Mutual.Life receives about you by choosing not to enter any personal information in forms or data fields on the Mutual.Life website. However, some of the online services offered by Mutual.Life can only be provided if you provide the appropriate personal information.
Mutual.Life will also need to obtain your personal information if you wish to appear on Mutual.Life's contact lists to receive news, updates and additional services that may be of interest to you.
Some browsers allow you to restrict or disable the use of passive data collection and tracing technologies that collect information. Check with your browser manufacturer to learn how to restrict or disable the use of these technologies, but be aware that some tools on Mutual.Life's website will not be available when these technologies are restricted or disabled.
Personal information may be accessed by a limited number of Mutual.Life employees, and by companies with which Mutual.Life may engage in commercial partnerships with as well as hired third parties to develop commercial activities for Mutual.Life. Mutual.Life also requires its trading partners to keep your personal information confidential and not to use it for unauthorized purposes.
Unless otherwise noted in this section, Mutual.Life will not transfer your personal information to third parties unless you have authorized the transfer. Mutual.Life may disclose your personal information without transferring it without your prior consent to third parties who assist us in our business activities. It is Mutual.Life's practice to require that such third parties keep your personal information confidential and use it only to provide services for Mutual.Life and according to Mutual.Life's counsel.
Mutual.Life reserves the right to disclose your personal information if required by governmental authorities or by a legal requirement, as well as to protect against the interference of Mutual.Life's rights or property and the users of Mutual.Life's internet pages. In addition, in the event of a restructuring, merger or sale, Mutual.Life may transfer any and all personal information obtained to the applicable third party.
Mutual.Life does not sell to any third party any type of "user list" or personal information pertaining to the users of the Mutual.Life website, and does not intend to do so in the future.
It is Mutual.Life's practice to ensure the safety of the Mutual.Life website, where personal information is collected. Mutual.Life takes precautions, including administrative, technical and physical measures, to protect your personal information against loss, theft, misuse, as well as against unauthorized access, disclosure, alteration and destruction. However, Mutual.Life can not guarantee the complete confidentiality of personal information transmitted over the internet.
Mutual.Life can not guarantee that unauthorized third parties have access to your personal information; therefore, by sending personal information to Mutual.Life's web pages, you should evaluate the risks and benefits.
You should know the privacy policies of third-party websites before submitting your personal information through these pages. Mutual.Life will not be liable for damages that may result from breach or breakage of Internet security barriers by third parties such as "hackers".
Mutual.Life does not intentionally solicit or use personal information from minors (we define "minors" as persons under the age of 18) on the Mutual.Life website. Within the limits of Mutual.Life's knowledge, minors are not allowed to communicate with Mutual.Life or use any online service offered by Mutual.Life. If you find out that a minor under your responsibility has sent information to Mutual.Life, please contact us by one of the methods described below, so that Mutual.Life can solve the problem together with you. If Mutual.Life is made aware that it has obtained personal information from a minor, Mutual.Life will take steps to exclude such information as soon as possible.
With your help, Mutual.Life will keep your personal information correct and up to date. You may request the removal, amendment or correction of your personal information. Please inform Mutual.Life on what you wish to do by contacting via one of the means specified below.
In general, Mutual.Life only stores personal information for the time needed to fulfill the purposes for which it was collected, respecting the data retention periods required by law. For security reasons, Mutual.Life does not retain information about your credit cards used to purchase products or services offered on the Mutual.Life website. For this reason, each time you perform a transaction you must re-enter your credit card details.
All other personal information is collected and stored on servers located physically in Brazil or the United States. Mutual.Life may relocate its servers to any other country in the future and may store personal information in Brazil or other countries for backup or backup purposes.
If you have questions about the scope, use, alteration or deletion of personal information that you have submitted to Mutual.Life, or if you wish to leave the distribution list of future communications about Mutual.Life services, please contact us through the corresponding option on the Mutual.Life website or send an email to [email protected]. You may also send a letter to:Mutual.Life
In all communication with Mutual.Life, please include the email address you used to register (if applicable) and a detailed explanation of your request. If you want to delete, change or correct your personal information and you are contacting Mutual.Life by e-mail, fill in the message's subject line with "Request for deletion" or "Request for change/correction". Mutual.Life strives to respond to all applicable requests in the shortest amount of time possible.