This Online Privacy Statement ("Statement") describes how we collect, share and use personal information. This Statement applies to (a) the public-facing website available at northwesternmutual.com and the pages accessible during and after a user ("you" or "your") logs in to a private section of the website (the "Client Website"), and (b) websites owned or operated by the Provantage Capital Group Family of Companies. All websites described in the prior sentence are defined collectively for the purposes of this Statement as the "Website".
References to "Provantage Capital Group", the "Provantage Capital Group Family of Companies," "we," "us," "our," or "ours" within this Statement mean The Provantage Capital Group. Our Sales Force includes the people who sell our products and services, along with their staff.
Provantage Capital Group is licensed and registered to provide products and services in the United States only; therefore, this Website and the information contained in it is intended for use in the United States only. By using our Website, you agree that Provantage Capital Group will comply with applicable United States privacy regulations and that Provantage Capital Group can use your personal data in accordance with its Online Privacy Statement and all applicable laws and regulations.
This Website is not intended for use by anyone under 18 years of age. By using the Website, you represent that you are 18 years of age or older. No one under 18 years of age should use the Website.
Collection of Information
We gather information that helps us protect website users, maintain the security of our Website, and for the purposes described below.
The Website gathers two types of information about people who visit Our Website ("Users"):
Voluntary User Information: information and data you provide voluntarily and knowingly, including information and data you submit in or through the Client Website and/or through optional, voluntary contact request forms; and
Automatically Collected Information: tracking information, including (but not limited to) IP address, mobile device, browser type, and home server information.
Provantage Capital Group does not share any of your personal information collected on or through this Website without your permission, except within the Provantage Capital Group Family of Companies, as described in this Statement, or as permitted or required by law. This Website does not enable unaffiliated third parties to collect personally identifiable information about your online activities over time and across different websites when you visit this Website. Provantage Capital Group does not sell your information to third parties.
Voluntary User Information
We generally collect information you provide voluntarily and knowingly through two main sections of the Website: (a) the Client Website, accessible only after you log in with your access credentials; and (b) contact request forms. Provantage Capital Group uses information for the purpose you submit it, and shares the information you submit with the Provantage Capital Group Family of Companies to service your request, for internal purposes described herein, or as otherwise permitted or required by law. We share any such information with third parties only to the extent necessary to service your request as described herein, or as otherwise permitted or required by law.
Client Website and Client Mobile Application
You can access the Client Website ("Site") and Client Mobile Application ("Mobile App") which are collectively referred to as the "Services" by entering your credentials on a "Log In" page on the Services. Once you have entered the Services, you can access certain policy and account information, make limited service requests, and conduct limited transactions. You may also be asked to voluntarily provide information about yourself, and/or your policy or account. In the case of corporate-owned policies, you may be asked to provide information about the corporate owner of the policy or those individuals who are insured under the corporate owned policy.
Some users may be directed to enter product application information on the Services ("Online Application Information"). Online Application Information will be used for underwriting purposes and other permissible business purposes. Online Application Information entered by you will be temporarily available on the Services for you to continue and complete the application and submission process. We will retain Online Application Information in accordance with applicable law, this Statement, and our internal record retention policies, even if the application is not electronically signed and submitted. We will only consider Online Application Information as part of the underwriting process after it has been incorporated into the electronically signed application form and submitted to us.
Information you enter into sections of the Services may be accessible to the Provantage Capital Group Family of Companies. We may also track the pages that you view, including page interactions, and may share this information with the Provantage Capital Group Family of Companies to market and offer products, engage in planning, enhance our services, and for other business purposes.
Contact Request Forms
You may submit information through forms on the Website for various purposes. Any information you voluntarily submit is only used by the Provantage Capital Group Family of Companies for the purpose of the submission or as specifically described below. The forms described below are a sample of the most-accessed forms on the Website.
Contacting a Financial Professional: When you request to be contacted by a Provantage Capital Group Financial Professional, we will ask you to provide basic contact and financial information. We may share this information with the Provantage Capital Group Family of Companies to better fulfill your request and for internal marketing, customer relationship management, and servicing purposes.
Corporate Opportunities: If you apply for a position at Provantage Capital Group's corporate offices, you will be asked to register and complete a personal profile to help match your career preferences to available positions. The profile includes (but is not limited to) fields like contact information, career preferences, years of related experience, license/certifications, job type, desired compensation, and location. You can opt-in to receive email notifications of available positions, or you may view and search for available positions without creating a profile. Our corporate opportunities website is hosted by a third party service provider, and as a result, the information collected through the completion of a personal profile is shared with that service provider.
Automatically Collected Information
We collect information automatically from our Website through a variety of technologies, including: (a) cookies/web beacons; and (b) third party applications. We also link to third party services and websites, and we are not responsible for the website content or privacy practices of such third parties.
This Website does not contain any functionality to respond to or honor web browser "do not track" signals or other similar mechanisms, and thus does not respond to or honor such signals or mechanisms. Most web browser preferences can be adjusted to alert you that a cookie or tracking code will be sent to your hard drive, or you can refuse to receive a cookie.
Cookies and Web Beacons
The Website uses various storage technologies related to online marketing tools, such as managing our advertising on other Internet websites. In connection with such activities, this Website collects or receives information including (but not limited to) your IP address, device type, date and time of visit, browser type, and activities and the above information is collected or received by or shared with third party vendors who assist us with these activities.
We also contract with third-parties to distribute e-mails on our behalf, perform analytics, and to deliver online advertisements on our Website, on other websites and on other applications. Those companies may use third-party cookies, or other devices such as website scripting, pixels, or action tags to collect anonymous information about you when you visit our Website. We use this information to learn which online advertisements attracted you, and to help us analyze our website and the effectiveness of our marketing.
Tracking Technology and Information
To enable us to continually improve on the content we offer you, as well as for systems administration purposes, we capture IP addresses and track your activity on the Website.
We also use third party services to track information about the performance of our Website. The services collect aggregated data from visits to the Website to help troubleshoot any problems with performance, such as errors in Java Script code or page load times. We use this information to optimize your experience with the Website. The collected data does not contain personally identifiable information and the collected data is not linked to any personally identifiable information.
Google Maps is a third party service we use to validate and normalize addresses entered by you into the Website through an Application Program Interface, a technology that connects Google to our Website and allows the limited exchange of information. This information is used and retained by us only for the purpose you enter the information, which may include combination with other identifying factors you enter into the Website to fulfill your request to be connected with a Provantage Capital Group Financial Professional in your geographical area. By entering physical address attributes into the Website, you agree to be bound by the Google Maps/Google Earth Additional Terms of Service. We do not track, obtain, or cache your location in any manner except with your prior consent, and you may revoke your consent at any time.
Our Website may also contain links to the Provantage Capital Group pages of several third party social media websites and additional links to third party websites that may appear as a "like" or "share" button. When you click on any such links, the third party website may send a session cookie or a persistent cookie to your computer. Please review the privacy policies of such third party social media websites for information regarding their online privacy practices.
Notice for Consumers with Disabilities
Changes and Revisions
We reserve the right to amend this Statement from time to time. Any material change to these terms will be reflected in this Statement. We will indicate the date this Statement was last updated.