At DMBA, we share your concerns for privacy and security of personal information. Because
we value your privacy, we do not sell or trade any personal information that you have entrusted to us.
To help you better understand our privacy policy and practices, we have prepared this notice for you.
- Our Privacy Pledge
While information is the cornerstone of our ability to provide you with exceptional customer service,
our most important asset is you, our customer. Keeping customer information secure, and using it
only as you would want us to, is a top priority for us. DMBA restricts access to personal
information about you to those employees who need to know that information to provide products
or services to you or your family. We also maintain physical, electronic, and procedural safeguards
that comply with state and federal regulations to protect your personal information. Here is our
pledge to you:
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We will safeguard any information you share with us according to strict standards of security and
confidentiality, including any nonpublic personal information
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We will limit the collection and use of your information to the absolute minimum we require to
deliver appropriate levels of service to you, which includes administering our business, as well as
advising you about our products, services, and other available opportunities, values, or services.
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We will permit only authorized employees who are trained in the proper handling of customer
information to have access to your information.
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Whenever we hire other organizations to provide support services, we will require them to
conform to our privacy standards and to allow us to audit them for compliance.
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We will not reveal your information to any other external organization unless we have previously
informed you in disclosures or agreements, and have either been authorized by you or are
required by law to make such disclosure.
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We will attempt to keep customer files up-to-date and accurate. We will tell you how and where
to conveniently access your account information (except when we are prohibited by law) and how
to notify us about errors, which we will promptly correct.
- Our Privacy Pledge
We collect and use information necessary to administer our business, to advise you about available
products and services, and to provide you with exceptional customer service. We collect and
maintain the following types of nonpublic personal information needed for these purposes:
- Information we receive from you on your applications or other forms
- Information we receive from you in letters, telephone calls, emails, visits to our office, etc.
- Information about your transactions or claims
- Information we receive from your employer, such as enrollment or demographic information
- Information we may receive from you when you visit our Internet website
- Information we may receive from other third parties
- Information we may receive from credit reporting companies, bureaus, or agencies
- Information We May Share or Disclose
We may share information about you in the normal course of conducting our business. We may also
share certain information with your employer to calculate your benefits, such as information concerning
your address, Social Security number, salary, and years of service. However, we do not share with
your employer any personal financial information, except as may be required to administer benefits.
We may also disclose certain information about you without your prior permission with persons or
companies that are not affiliates of DMBA as permitted by law for purposes such as:
- To perform services for us
- To help us in responding to your inquiries, complaints, or appeals
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To state and/or federal agencies and regulatory authorities for required filings and examinations of
our records or practices
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To law enforcement agencies or other governmental authorities to report suspected illegal
activities
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To your attorney, trustee, or anyone else who represents you or has a legal interest in your plan
or policy
- To persons to whom a court requires us by order or subpoena to provide information
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To persons or organizations conducting actuarial or research studies, subject to appropriate
confidentiality agreements
- To our attorneys, accountants, and auditors
- To credit reporting companies, bureaus, or agencies
- To others as permitted or required by law
- Our Privacy and Security
We restrict access to nonpublic personal financial information about you to those employees and
agents who need to know that information to provide products or services to you and to conduct
our internal operations. This information is kept internal to DMBA, except when required or
permitted by law, and is not available to the general public. We require certain access codes or
personal identification numbers from our customers to enable them to access personal information.
We maintain physical, electronic, and procedural safeguards that comply with applicable regulations to
safeguard your personal information. Other than Internet email, all external electronic transfers of
information are encrypted or otherwise protected to ensure that no unauthorized person can gain
access to the information. Internet email will not be used to communicate any personal information
to you without your permission.
- Opting Out
We are permitted by law to share information about you to reputable companies that market
products or services that you may be interested in, unless you "opt out" of receiving that information.
However, at the present time, we do not give, sell, trade, or share any of your personal information
with any unaffiliated entities that market products or services. In fact, the only unaffiliated entities
with whom we share your personal information are those that perform services directly related to
administering your benefits. Before we share any of your personal information with unaffiliated
companies that market products or services, we will provide you with written notice of our intentions
to do so and with a procedure for you to opt out if you do not want your personal information
provided to these unaffiliated entities.
- Protecting Your Own Information
DMBA is committed to protecting the privacy of your information. You can help us by
following these simple guidelines:
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Protect your account numbers, Personal Identification Number (PIN), password, and Social
Security number. Do not give your DMBA PIN to anyone. Your DMBA PIN can
access not only your nonpublic personal financial information but also all of the protected health
information for you and any covered family members.
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Use caution when disclosing numbers or information to others. If someone calls you and claims
to be calling on behalf of DMBA and asks for your information, you should be aware.
DMBA staff will normally have access to your information and will not need to ask for it
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Be careful about the information you provide by email, as this channel of communication is not
necessarily secure against interception
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Let us know if you have any questions. Please do not hesitate to call us. Remember, we're here to
serve you.
