Privacy Policy

Revised October 2019

Notice of Protection of Privacy Policy


Since 1879 Navy Mutual Aid Association has been known as an organization that stands for integrity and trust. The Association has earned the respect and confidence of the nearly 100,000 members that it serves today. Navy Mutual always has been and will remain committed to your personal privacy.

Nonpublic and Personally Identifiable Information

For purposes of this Privacy Policy, nonpublic and personally identifiable information or “PII” is information about you that we obtain in connection with providing insurance and other services to you, including without limitation, your: name and address, social security number, date of birth, marital status, dependent and beneficiary information, employment, military status, medical history, medical underwriting information, premium and policy loan payment history, credit history, service requests, and complaints.

Prior to contracting with third parties for products or services, Navy Mutual confirms these third parties have implemented appropriate measures to protect and secure your PII in accordance with applicable data protection laws.

Our General Privacy Policy


This Privacy Policy sets out the basis on which we collect and use PII as part of our mission. We do not disclose in any manner, whether by sale or otherwise, PII about our members, insureds, beneficiaries, policy owners, or those who are considered claimants under Title 38 of the United States Code (including present, prospective or former members, insureds, beneficiaries, policy owners, and claimants) to affiliated or non-affiliated third parties (other than to consumer reporting agencies) except as we are required or permitted by law or as necessary to process a transaction or service you request. We keep accurate records of necessary disclosures of PII.

Other than as disclosed in this notice, we do not release your PII to anyone other than you unless you grant permission to release that information.

We educate our employees to be sensitive to privacy concerns and hold them accountable for violations of the Navy Mutual privacy protection policy. We restrict access to PII about you to those employees who need to know that information to provide products or services to you.

We employ physical, electronic and procedural protection systems in conformity with federal and state requirements to restrict unauthorized access to your PII.

“Consumer reporting agency” has the same meaning as in section 603(f) of the Federal Fair Credit Reporting Act (15 U.S.C. 1681a(f)).

Collection of General Information


Our web servers automatically collect some non-identifying basic information from your visit(s) to www.navymutual.org to help us measure website activities and to improve our website. This information includes your Internet Protocol (IP) address, browser types, the pages requested, and referring websites.

An IP address is a number that is automatically assigned by your Internet Service Provider (ISP) to your computer when you use the Internet. We use the information we record to administer the site more effectively, analyze trends, track users’ movement on our website and gather broad demographic information about what countries and domains our visitors come from in order for us to improve the website and the delivery of content. IP addresses are not linked to PII.

Use of Cookies


Similar to other websites, the Navy Mutual website deposits cookies on the visitor’s computer to track user session(s) on our website and web applications. Cookies help us distinguish repeat visitors from first-time visitors and give us helpful information about how our pages are viewed. This technology does not collect PII.

Your browser is most likely set to accept cookies. However, if you would prefer not to receive cookies, you can alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, it is possible that some areas of our site will not function properly when you view them.

Website Security Information


If you choose to make a payment on our website, www.navymutual.org, you will be asked to submit financial and contract information to allow us to collect your payment and provide you with a receipt. All information provided to Navy Mutual through its website is transmitted through Secure Socket Layer (SSL) encryption.

Credit Card Information


Navy Mutual does not store your credit card information on its website or web applications. Navy Mutual utilizes a third-party group to collect premiums using major credit cards, and the information is encrypted to protect the user’s identity.

What Information We Collect About You and From Whom We Collect It


We may collect PII about you from the following sources:

  • Information you provide us on applications or other forms whether in writing, by telephone or electronic means, or in person.
  • Information about transactions with us, such as changes in beneficiary designations, policy loans, etc.
  • Information from consumer reporting agencies.
  • Information we obtain from your insurance examination, medical records, or health histories with your authorization during the life insurance application/underwriting process.

To Whom We May Disclose Information About You


The information we collect is used to provide you with the products and services you request. We may disclose PII we collect to persons or organizations with whom we have contracted to provide products or services, such as to companies who provide check writing, billing services, and medical information on insureds. These companies are contractually required to protect the confidentiality of the information they receive, and are permitted to use such information only for the purpose for which it was disclosed.

We do not disclose any PII about our present, prospective or former members, insureds, beneficiaries, policy owners, and claimants to anyone else, except as permitted or required by law.

We do not sell your PII. We may use or share your PII to enhance your experience on our sites, to help deliver our ads on your web browser, and to measure advertising campaign effectiveness. We may also share your PPII as required to meet legal and regulatory obligations.

Individual’s Rights to Access/Inquire About Their Nonpublic and Personally Identifiable Information


We must have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please visit our headquarters or contact us at customerservice@navymutual.org or by phone at (800) 628-6011. If you are a Navy Mutual member, you can also review and request changes to certain PII such as your email address, mailing address, and telephone number through our secure member site.

Policy Updates


We may change this Privacy Policy from time to time. When we do, we will post the revised policy on this page with a new “Revision” date. Any changes to our Privacy Policy will become effective when posted, unless otherwise indicated.

For Additional Information, please contact us at: customerservice@navymutual.org or by phone at (800) 628-6011.