If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern VEBA Solutions’ relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term VEBA Solutions or “VEBA” or ‘we’ refers to the owner of the website whose registered office is 701 S. Howard Avenue, Suite 106-340 Tampa, FL 33606. The term ‘you’ refers to the user or viewer of our website.

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

• The content of the pages of 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.
• 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 which 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 trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
• 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).
• Your use of this website and any dispute arising out of such use of the website is subject to the laws of the state of Florida.

VEBA Solutions and its operating subsidiaries (“VEBA”) are committed to protecting your privacy and the confidentiality of your personal information.  We identify personal information as any information that directly identifies or reasonably can be used to identify you.

This Privacy Statement explains how VEBA uses the personal information that we collect or that you otherwise provide when you correspond with us or use our services:

• Online through our websites, including but not limited to https://vebasolutions.com (the “Sites”), and our social media pages which are available from the Sites (“Social Media Pages”) (collectively, the Sites and Social Media Pages are referred to as “VEBA Solutions Online”);

This Privacy Statement informs you of your rights with respect to your personal information that VEBA collects, uses, and discloses.

By using the any of the VEBA Solutions Online or by providing your personal information, you accept the policies and practices stated in this Privacy Statement.  Any reference in this Privacy Statement to the term “we”, “us” or “our” shall mean VEBA.

When and how does VEBA collect your personal information?

In general, we may collect personal information about you, directly and indirectly, depending on your relationship with us – whether as an individual client, agent, broker, or policyholder.

Specifically, we may collect your personal information from the following sources:

• You or your family member orally or in paper and/or online applications or other documents for insurance, employment or other services.
• Third parties, such as insurance companies, brokers or agents, medical professionals, financial institutions, motor vehicle and driver licensing authorities, and sources of publicly available information.
• Affiliates, subsidiaries, insurers, intermediaries, third-party providers, and others in connection with providing or responding to a request for services.
• Consumer or credit reporting agencies.

What personal information does VEBA collect?

We may collect, and have collected in the past 12 months, the following categories of personal information about you and/or your dependents:

• Personal identification
  Name; date of birth; gender; race/national origin; physical traits; contact details (home and work address, telephone numbers, email addresses); and user name, password, password reminder questions and answers for VEBA Solutions Online.
• Government-issued identification
  Identification numbers include but are not limited to Social Security number, other tax identification number, Medicare number, passport number; military identification number, and driver’s or other license numbers.
• Background data
  Marital status; family history; educational history; employment history and job titles; professional licenses and affiliations; and relationship to the policyholder, insured or claimant.
• Health and medical data
  Current or former physical or mental or medical condition; biometric and genetic data; history of medical procedures or surgeries; date and cause of injury, disability or death; medication information; medical insurance information; and relevant personal habits such as smoking or drug and/or alcohol consumption.
• Financial data
  Bank account number; other account numbers and details for financial institutions or credit cards or payment cards; income; assets (real and personal property); liabilities; credit history and credit score; history of insolvency; and other financial information.
• Data that allows VEBA to provide you with insurance services or products
  Details about your business and status as an insurance agent or broker; your status as owner, director, shareholder, member or partner, or other ownership or management interest in an organization; policy and claim numbers; prior or present insurance policies, coverage and claims; photographs or video recordings received in the course of business such as claims processing; location and identification of insured property such as property address, vehicle license plate, identification number, registration number, or safe deposit box location and number; other insurance you hold; and other data in activity notes and emails based on our previous communications with you.
• Other sensitive information
  In the course of doing business with you, we may obtain sensitive information about you, such as your history of civil claims and lawsuits, criminal record, job performance, data regarding sexual life or sexual orientation, religious or similar beliefs, or preferences for medical treatment.
• Your preferences
  We may note your preferred form of communication and marketing and record the interest you show in our services and products.
• Social media account information
  When you use our Portals or follow our Social Media Pages, VEBA may receive additional personal information from you, including personal information that is part of your profile relating to those accounts or your friends’ profiles. Please review the applicable privacy policies for your social media accounts. We are not responsible for the data collection or the privacy practices of any social media accounts.
• Information from Other Sources
  We may also collect personal information about you from other sources, including commercially available sources and our business affiliates or partners.

Does VEBA sell your personal information?

No, we do not sell any of your personal information to third parties.

How does VEBA use your personal information?

We use and disclose, and have used and disclosed in the past 12 months, your personal information in order to operate our business:

Communications. We use your personal information to communicate with you and others for reasons such as:

• to give you information that you requested from us about our services or products;
• to communicate with you regarding your account or your business or employment relationship with us;
• to advise you of changes to any of the VEBA Solutions Online or any service or product we provide.

Business purposes. We use and disclose your personal information in running our business such as:

• to determine eligibility and process applications for insurance services and products;
• to handle transactions such as payments and claims handling;
• to perform general business operations including audit; accounting and finance; billing and collection; data storage; website hosting; information technology functions; product development; records and information retention; fraud and risk management, detection, and prevention;
• to permit you to use the interactive features of the VEBA Solutions Online;
• to conduct data analytics in order to evaluate and improve existing, business operations, services, and products and develop new or improved features, services or products;
• to confirm an individual’s identity and handle a request to know or delete personal information, as permitted by law;
• in any other way we disclose when you provide the information; and
• for any other purpose for which you give consent.

Legal. We use and disclose your personal information for legal purposes such as:

• to fulfill our obligations and enforce our rights under any contract between you and us;
• to comply with legal and regulatory obligations and legal process such as court orders and subpoenas;
• to respond to lawful inquiries from governmental, regulatory and other authorities; and
• to obey all applicable laws.

Promotional Marketing. VEBA uses and discloses your personal information to provide you with information relating to new or improved service or product such as:

• to deliver marketing content or promotional communications that may be of interest to you; and
• to transmit direct marketing, including newsletters, emails or other information that you have requested.

Unsubscribe. VEBA uses and discloses your personal information to maintain a list of individuals who have unsubscribed from our mailings or electronic communications.

Who does VEBA share your information with?

In order to provide you and others with insurance services and products, we may disclose your non-public personal information to:

• Our subsidiaries, operating companies, and affiliates;
• Consultants, vendors, and other service providers, who (i) process or complete the transaction for which the information was provided or (ii) provide services for VEBA such as payment and application processing, marketing, technical support, web-hosting, data storage, or data analysis and need your personal information to perform said work services and are contractually restricted from using or disclosing the personal information except as necessary to perform services on our behalf or to comply with legal requirements;
• Any entity that is needed to protect the rights and property of VEBA and our employees, agents, users and other third parties or to prevent physical harm or financial loss of VEBA, our users or any third party;
• Regulatory, governmental, or other legal authorities to respond to lawful requests for information;
• A third party in order to comply with a court order, subpoena, search warrant, other legal process or law;
• An interested buyer (in the course of due diligence), actual buyer or successor of some or all the assets of VEBA; and
• Any third party with your authorization or for any other purpose disclosed by us when you provided your information.

How is your personal information protected?

VEBA has implemented physical, electronic and technical safeguards to protect your personal information, consistent with applicable privacy and data security laws. However, we cannot completely guarantee security of your personal information. You can help safeguard your personal information by keeping confidential and private all user names, login, and passwords used to connect with VEBA Solutions Online.

How long does VEBA keep your personal information?

We will retain your personal information for as long as it is reasonably necessary, depending on the relevant legal and regulatory obligations and/or the duration of our business relationship with you, your employer or another related entity.

In certain circumstances, we may store your personal information for longer periods of time if we reasonably believe there is a possibility of a future complaint, dispute or litigation or there is another valid business reason the information may be necessary in the future.

We will securely delete or erase your personal information if there is no valid business reason for retaining that information.

Does VEBA collect non-personal information?

Yes. When you use our Sites, we collect certain non-personal information that does not disclose your specific identity. Non-personal information is collected through various technologies, including the following:

• Tracking Technologies
  When you visit with our Sites, VEBA automatically receives and records cookie information from your browser. The cookie information includes your browser type, the webpage you were visiting before you came to our Sites, pages of our Sites that you visit, the time spent on those pages, information you search for on our Sites, how you use the Sites, and access times and dates. We use this information to monitor and analyze use of the Sites and the Portals.
  We may also use other technologies such as clear GIFs, pixel tags or web beacons to count users who have visited our webpages, for related website statistics, and to compile tracking information related to our email marketing or other promotional campaigns.
• Third-Party Analytics
  We use third-party service providers and services, including but not limited to Google Analytics, to collect and examine information about use of the Sites or Portals. These service providers and services may utilize tracking technologies such as cookies to collect personal information.  The following link provides an explanation of how Google Analytics collects and processes data and how you can control the information that is collected about you (https://policies.google.com/technologies/partner-sites).