Privacy and Terms of Use

HIPAA Privacy Statement | Website Privacy Statement | Website Accessibility Statement | Terms of Use

Our Privacy Commitment to COF Members

Catholic Order of Foresters (“COF”) is committed to providing products and services that not only meet, but also exceed our member’s expectations. At the time of application for membership or upon visiting our website, COF collects personal information about you and your family. COF is dedicated to providing the highest level of security regarding the collection and use of this information.

RESPECT OF RIGHT TO PRIVACY

COF respects our member’s right to privacy and takes every precaution to provide our members with the privacy and confidentiality they expect while serving their financial needs, whether at our physical or virtual offices. COF does not sell member information and will take all steps necessary to inform customers about COF’s privacy policies, including all required notices.

You have the right to request that COF disclose to you the categories and specific pieces of Personal Information that we collect about you. In order to obtain this information, you may call us at 1-800-552-0145 or visit this link at our website and complete and mail to us all the necessary form(s) and material(s). After we have verified your identity and right to receive the information requested, we will deliver the information requested to you within 45 days of the receipt (the time that we will provide you with the information may be extended 45 days if we notify you of the need for an extension). You also have the right to ask COF to delete any personal information that is unnecessary for our ongoing business requirements.

COLLECTION AND USE OF PERSONAL INFORMATION

Catholic Order of Foresters collects various categories of nonpublic personal financial information including:

  • Information provided to COF in obtaining our financial products, including application information, such as assets and income and identifying information, such as name, address, birth date and social security number, email address, IP address and beneficiaries.
  • Information about transactions with COF and other contact information, including information about balances, payment history and parties to the transaction;
  • Information from a consumer-reporting agency such as credit worthiness and credit history of our applicants;
  • General in nature such as email address and demographic data;
  • Medical information for insurance applications.

The collection of personal information is designed to protect access to our members’ financial products and to assist COF in providing members with the products and services they want and need. All personal information collected and stored by COF is used for specific business purposes — to protect and administer each member’s personal account(s) and policy(ies), to comply with legal and regulatory requirements and to help COF better understand the financial needs of the membership in order to design or improve our products and services.

MAINTENANCE OF ACCURATE INFORMATION

It is in the best interest of COF and our members to maintain accurate records concerning personal information. COF allows members to request an update of their personal information by submitting a written request or online through the submission of an email request sent to the COF’s secure administration site. To verify the accuracy of our information or to correct inaccurate information, please contact Insurance Services toll-free at 1-800-552-0145.

LIMITED EMPLOYEE ACCESS TO PERSONAL INFORMATION

COF limits employee access to our members’ personal information to only those employees with a business reason for knowing such information. COF also educates all employees about the importance of confidentiality of customer privacy.

Third-Party Disclosure

COF DOES NOT SELL YOUR PERSONAL INFORMATION.

COF follows strict privacy procedures in regard to protecting personal information. In addition, COF requires that all third parties with a business need to access this information adhere to similar and equally strict privacy policies. Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; the disclosure is required or allowed by law (i.e., exchange of information with reputable reporting agencies, subpoena or the investigation of fraudulent activity, etc.); or for marketing purposes of which the customer has been previously informed and has been given the opportunity to decline.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

IF YOU REQUEST YOUR PERSONAL INFORMATION AND/OR ASK US TO DELETE IT, WE WILL NOT DISCRIMINATE AGAINST YOU IN OUR FUTURE DEALINGS WITH YOU.

Youth Privacy: Our Commitment to Parents

COF is very sensitive to privacy issues. We are proud of our longtime commitment to members and extend that to our on-line guests. We are especially careful with any communications with children and families. That is why we may offer future interactive programs, such as games, which do not require a child to provide any personal information.

Limited personal information is collected from children and youths (for example their email addresses) to respond to on-line requests. To illustrate, we may collect a youth’s e-mail address in order to send information about our TAP or REAP programs, but we promptly delete the address from our system. If a child contacts us prior to COF communicating with his or her parent or guardian, we will contact the child’s parent or guardian for permission to continue communication.

Personal information collected from children and youth on this site is used solely by COF or other entities that provide technical or fulfillment services to COF for internal purposes such as improving the site or fulfilling requests. Personal information is never sold or transferred to third parties.

We do not associate cookie data with personal information about children. COF will not condition a child’s participation in any online activity on the child’s disclosure of more personal information than is reasonably necessary to participate in that activity.

We urge parents to regularly monitor and supervise their children’s on-line activities. From time to time, it may be necessary for COF to change this privacy policy, so we suggest that you periodically check here. Rest assured, however, that any changes will not be retroactively applied and will not alter how we handle previously collected information.

Information Sharing Policy

Any information provided to catholicforester.org will not be sold for mailing lists or solicitation. We may contact you by mail to survey your satisfaction with catholicforester.org or to inform you of new products offered by Catholic Order of Foresters. These email Terms and Conditions do not replace but supplement COF’s Internet Site Terms and Conditions or fine print.

Our Privacy Commitment to Website Visitors

Catholic Order of Foresters (COF) is pleased to provide information through catholicforester.org to all members and guests. We seek to make our sites as interesting and helpful as possible while respecting your privacy.

COF only gathers personally identifiable data, such as first names, last names, addresses and email addresses, when voluntarily submitted by a website visitor. For example, COF may collect identifiable information to respond to an information request concerning our scholarship or tuition assistance programs, to get feedback on our site and products, or to enter you in one of our contests. This information is used solely by COF or other entities that provide technical or fulfillment services to COF for internal purposes, such as improving the site or fulfilling requests. Personal information is never sold or transferred to third parties. COF does not send unsolicited email.

We may offer links to other sites. If you visit one of these linked sites, you should review their privacy and other policies.

We are not responsible for other companies’ policies. COF reserves the right to use or disclose any information as needed to satisfy any law, regulation, or legal request; protect the site’s integrity; fulfill your requests; or cooperate in any law enforcement public safety investigation.

Website Accessibility Statement

URL: https://www.catholicforester.org

Catholic Order of Foresters is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone, and applying the relevant accessibility standards.

Efforts to support accessibility

Catholic Order of Foresters takes the following measures to ensure accessibility:

  • Accessibility is part of our internal policies.
  • Accessibility is integrated into our procurement practices.
  • Clear accessibility targets and responsibilities exist within the organization.
  • Formal accessibility quality assurance methods exist within the organization.

Conformance status

Current accessibility standard of the site:

WCAG 2.1 level AA

Current content conformance status:

Partially conformant: some parts of the content do not fully conform to the accessibility standard.

Known accessibility issues

Despite our best efforts users may experience some issues. This is a description of known accessibility issues. Please contact us if you observe an issue that is not listed.

Videos, Images and Multimedia items:
Videos, Images, and other media items may not display full accessibility or information at times.

Technologies

Accessibility of this site relies on the following technologies to work:

  • HTML
  • CSS
  • Javascript

Assessment methods

Catholic Order of Foresters assessed the accessibility of this site using the following method(s):

  • Self-evaluation: the site was evaluated internally by the company or organization.
  • External evaluation: the site was evaluated by an external entity not involved in the design and development process.

Feedback process

We welcome your feedback on the accessibility of this site. Please contact us via one of the following methods:

Formal complaints

You are entitled to lodge a complaint to Catholic Order of Foresters if you are dissatisfied with our response. To do so, please email info@catholicforester.org.

This statement was created on 07/12/2022.

TERMS AND CONDITIONS OF USE

By using the pages in this site, you agree to these following terms and conditions. If you do not agree, you should not use this site. Restrictions on Use Material from catholicforester.org and any other World Wide Website owned, operated, licensed or controlled by Catholic Order of Foresters (COF) may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without COF’s prior written consent.

EXCEPTION: You may download one copy of the material on one computer only for personal, non-commercial home use, provided you do not delete or change any copyright, trademark, or other proprietary notices. Modification or use of the materials for any other purpose violates COF’s intellectual property rights. The material in this site is provided for lawful purposes only. If you download software from this site, the software, including all files and images contained in or generated by the software, and accompanying data (together, the “software”) are deemed to be licensed to you by COF. Neither title nor intellectual property rights are transferred to you, but remain with COF, who owns full and complete title. You may not resell, recompile, reverse engineer, disassemble, or otherwise convert the software to a human perceivable form.

Restriction of Liability

COF will not be liable for any damages or injury caused by, including but not limited to, any performance failure, error, omission, interruption, defect, delay in transmission operation, computer virus, or line failure. COF will not be liable for any damages or injury, including but not limited to, special or consequential damages resulting from use of, or the inability to use, this site’s materials, even if there is negligence or COF or an authorized COF representative or agent has been advised of the possibility of such damages, or both. The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages. COF’s total liability to you for all losses, damages, and causes of action will not be greater than the amount you paid to access this site.

Submissions

All remarks, suggestions, ideas, graphics, or other information communicated to COF through this site (together, the “submission”) with the exception of magazine story submissions, will forever be the property of COF. COF will not be required to treat any submission as confidential, and will not be liable for any ideas for its business (including without limitation, product or advertising ideas) and will not incur any liability as a result of any similarities that may appear in future COF operations.

Without limitation, COF will have exclusive ownership of all present and future existing rights to the submission of every kind and nature everywhere. Except as noted below in this paragraph, COF will be entitled to use the submission for any commercial or other purpose whatsoever without compensation to you or any other person sending the submission.

Personally identifiable information that may be received at this site is provided voluntarily by a visitor to this site. This information is for internal purposes only and is not sold or otherwise transferred to third parties of COF or to other entities that are not involved in the operation of this site. Information submitted via a number of areas in this site, for instance, Write to the editors, is not retained. Therefore, the above right to use submissions is subject to limited use of this information and excludes non-retained information.

You acknowledge that you are responsible for whatever material you submit, and you, not COF have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

Jurisdiction

Except as described otherwise, all materials in this site are made available only to provide COF information. COF controls and operates this site from its headquarters in Naperville, Illinois, United States of America, and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws. Some software from this site may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported or re-exported: (a) into (or to a national or resident of) any country to which the U.S. has placed an embargo, including without limitation, Cuba, Iran, Iraq, Libya, North Korea, Syria, or Yugoslavia; (b) to everyone on the U.S. Treasury Department’s Specially Designated Nationals list; or (c) the U.S. Commerce Department’s Table of Denial Orders. If you download or use the software, you represent and warrant that you are not located in, or under the control of, or a national or any such country or on any such list. 

Disclaimer

The material in this site could include technical inaccuracies or typographical errors. COF may make changes or improvements at any time. The materials in this site are provided “as is” and without warranties of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. COF disclaims all warranties or merchantability and fitness for a particular purpose. COF does not warrant that the functions contained in the material will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. COF does not warrant or make any representations regarding the use of or the result of the use of the material in this site in terms of its correctness, accuracy, reliability, or otherwise. You (and not COF) assume the entire cost of all necessary servicing, repair, or correction. The above exclusion may not apply to you, to the extent that applicable law may not allow the exclusion of implied warranties.;

Termination

COF or you may terminate this agreement at any time. You may terminate this agreement by destroying: (a) all materials obtained from the COF website, and (b) all related documentation and all copies and installations (together, the “materials”). COF may terminate this agreement immediately without notice if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. 

Miscellaneous

These Terms and Conditions will be governed and be interpreted pursuant to the laws of the State of Illinois, United States of America, notwithstanding any principles of conflicts of law. If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Possible evidence of this site’s use for illegal purposes will be provided to law enforcement authorities. This is the entire agreement between the parties relating to site’s use. COF can revise these Terms and Conditions at any time by updating this posting. COF products and services are available only in 40 of 50 states and District of Columbia. However, the catholicforester.org website may describe products and services that are not available in all licensed states. This site may be linked to other sites that are not maintained by COF, and COF is not responsible for the content of those sites. The inclusion of any link to such sites does not imply endorsement by COF, catholicforester.org or any other website owned or operated by the Catholic Order of Foresters national home office or local or state courts. 

Trademark Information

The following trademarks and copyrights used herein are owned by the Catholic Order of Foresters: Genesis Life™, Basic Value Life™, Flexible Premium Life™, Secure4Life™, Value4Life™, Modified Whole Life™, Fraternal Legacy Rider™, Fraternal Benefit Policy™, Forester Membership and Travel Care™, Catholic Forester™, COF Matching Funds Program™, REAP™ – Religious Education Assistance Program™ and TAP™ – Tuition Assistance Program™.

ScriptSave® WellRx and WellRx are administered by Medical Security Card Company, LLC., Tucson, AZ.

All other trademarks are property of the respective trademark owners.

NOTE: COF products are available to applicants meeting membership and insurability requirements. Not all products described are available in all states.