Terms of Use

Introduction

The following Terms of Service govern your use of this website www.myaequalis.com. Your use establishes your acceptance of our Terms of Service. If you’re in disagreement with our Terms of Service, please discontinue use of this website.

The information contained in this website is licensed and owned by AEQUALIS and any of its subsidiaries and affiliates. Take note that the use of ‘we’ and ‘our’ refers to AEQUALIS and ‘you’ and ‘your’ refer to any individual company or legal entity that accesses or uses this website.

Electronic Communication

Visiting www.myaequalis.com or sending emails to AEQUALIS constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communication we provide to you electronically, via email, and on the website, satisfy a legal requirement that such communications be in writing.

The use of this website is subject to the following terms of use:

  • The content of the pages within this website is for your general information and use only. It is subject to change without notice.
  • This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, the following personal information may be stored by us for use by third parties but not to be distributed or sold for sales purposes other than products offered through AEQUALIS.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services, or information available through this website meet your specific requirements.
  • This website contains material that is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • All trademarks and service marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
  • Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.
  • From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Social Media Links

AEQUALIS has a presence on several popular social media channels. Follow us, link to us, listen to us, and join the conversation!

Privacy Policy

AEQUALIS values you as a customer and we respect your right to privacy. We understand you purchase our products and services because you trust that we stand behind our promises. Our commitment is treating your personal information responsibly. We have created this Privacy Policy to demonstrate we are working hard to protect your privacy.

SECURITY AND CONFIDENTIALITY

AEQUALIS and companies we do business with use physical and technical safeguards to protect your information by restricting access to your information to only those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes, and they are not allowed to use it any other way. AEQUALIS complies with all data security laws.

Any information submitted to the insurance company is subject to the insurance company’s privacy policy.

PERSONAL INFORMATION COLLECTION

AEQUALIS and companies we do business with will collect personal information about you from different sources. Examples of this type of collection are applications and forms you send us, transaction with our partners or us, consumer-reporting agencies, demographic firms, or a medical provider. This collection depends on the product or service you request.

USING PERSONAL INFORMATION

AEQUALIS and companies we do business with will NOT sell your information to anyone. AEQUALIS will use this information only for internal business purposes. We will provide information only as required by law, regulation, or to combat fraud. The following information may be provided to insurers, reinsurers, and regulators:

  • AEQUALIS may provide information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number, and family member information. This may also include assets, income, and the property address and value.
  • AEQUALIS may provide information from your transactions with our sister companies or us. This may include your account balance, policy coverage, and payment history. This may also include premium paid, preferences, claims, and purchase method.
  • AEQUALIS may provide information we receive from a consumer-reporting agency or other report. This may include your credit report, motor vehicle, and driver data. This may also include medical and employment data, loss history reports, and other driver data.

OPTING OUT AND USE OF INFORMATION

AEQUALIS and companies we do business with will NOT sell your personal information to anyone for any reason, which means we will also not use it, except to service your product. These reasons are described in more detail above and are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our information protection policy, we will tell you and give you a chance to opt out before we use your information. We may provide your information from a different financial or insurance product for marketing purposes. When that happens, we will send you another privacy statement with instructions about opting out of information sharing.

USING YOUR MEDICAL INFORMATION

Sometimes, AEQUALIS and companies we do business with must collect your medical information to provide you a product or to pay a claim. This does not mean we will share or use your medical information for any marketing purpose unless we receive your permission. We use medical information:

  • When underwriting insurance
  • When servicing your policy, account, or claim
  • As required or permitted by law
  • At your request and with your authorization

INTERNET POLICIES

COLLECTING INFORMATION FROM WEBSITES

AEQUALIS and companies we do business with may collect the information you provide when you do the following:

  • Request information from one of AEQUALIS’ websites
  • Request information from one of AEQUALIS’ partners’ websites
  • Use online tools and calculators
  • Apply online for products
  • Subscribe to online services
  • Complete an online form
  • Conduct transactions online

AEQUALIS contracts with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.

VISITOR DATA

AEQUALIS collects site aggregate and customer-specific information about the pages you view on our site. We log IP addresses, browser and platform types, domain names, access times, and referral data. We also collect information a customer volunteers on surveys and electronic forms. This information is used to improve our websites.

AEQUALIS gathers data on its websites. This is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our website. We also collect information on an individual basis on areas of our website that require visitors to logon using an ID and password. We may collect the following data:

  • How many people visit the AEQUALIS website
  • The pages they visit and the features they use
  • How long they stay on the AEQUALIS website
  • The website people come from before reaching the AEQUALIS website

USE OF “COOKIES”

AEQUALIS stores a cookie on a person’s computer when he or she visits the AEQUALIS website. A cookie is a tiny piece of information required to create and maintain a secure session. Cookies allow a person to request information and do business online. The cookies do not have confidential or personal information. They do not track a user after leaving the AEQUALIS website.

E-MAILS

AEQUALIS and companies we do business with keep e-mails you send us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mails of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you send us in an e-mail. As with any public website, this communication may not be secure.

WEB LINKS

It is important to note that other companies or organizations may have links on the AEQUALIS website, and we are not responsible for the collection, use, or security of information by the companies or organizations outside of the ÆQUALIS websites.

Please be sure to read the privacy policies of websites reached through the use of links from the AEQUALIS websites.

WHY AEQUALIS COLLECTS INFORMATION THROUGH ITS WEBSITES

AEQUALIS or companies we do business with use the information from our websites for many purposes:

  • edits and feedback
  • marketing and promotions
  • analysis of user behavior
  • product development
  • content improvement
  • informing advertisers how many visitors have seen or clicked on their advertisements
  • customize website content and layout

QUESTIONS

AEQUALIS and companies we do business with value our customers. We want you to understand how we use the information we collect. If you have any questions about our Privacy Policy, please feel free to contact us. We will provide you with a copy of your personal information that we can control and reasonably retrieve. If you wish to access your information, please provide AEQUALIS with the following:

  • All policy numbers you want to access.
  • A notarized signature on your request. This helps us ensure the identity of the person requesting the information.

AEQUALIS does not currently charge a fee to cover the cost of providing you with a copy of this information, but we do reserve the right to charge a small fee in the future. You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties, which means you need to contact the third party to correct any information from them. Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency’s name and address. You may also ask the agency to give you a copy of your report.

PLEASE SEND PRIVACY INQUIRIES TO:

AEQUALIS 25 Seir Hill Road Norwalk, CT 06850

When writing us, be sure to include your name, address, policy number, and your agent’s name and number. You can also contact your agent to change information that we control, such as your address. This privacy statement describes our privacy practices for both current and former customers, and we will provide one copy of this notice to joint policy or contract holders. Please share this information with everyone covered by your policy or contract. If you request, we will send more copies of this statement.

1-800-992-1273
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CONTACT AN AEQUALIS FINANCIAL PROFESSIONAL

1-800-992-1273

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We were established to help eliminate financial barriers for same-sex couples, their families, and people living with HIV. We invite you to make an appointment with an AEQUALIS Concierge. We are ready to help explain the application process, evaluate your unique needs, provide coverage options, and estimate premiums.

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