Privacy Policy

Last Updated: April 1, 2026

Privacy Notice

Navy Mutual Aid Association (“Navy Mutual,” “we,” “us,” or “our”) respects your privacy. This Privacy Notice (“Notice”) describes the processing of Personal Information (defined below) that is provided, collected, or disclosed while providing our services to you (“Services”) and on the websites, applications, and online platforms that link to this Notice (collectively, “Site”), including when you apply for a job with us. The specific Personal Information that we collect, use, and disclose will depend on our relationship or interaction with you. This Notice also describes rights you may have under applicable laws. Please read this Notice carefully to understand our policies and practices regarding your Personal Information and how we will treat it. This Notice does not apply to Navy Mutual employees or contractors or to information that does not identify or cannot reasonably be used to identify you.

Personal Information We Collect

We collect several categories of Personal Information from and about our members and users of our Site. “Personal Information” means information that uniquely identifies, relates to, describes, or is reasonably capable of being associated with or linked to you. The categories of Personal Information we collect may include:

  • Contact Information and Identifiers – If you submit an inquiry, request a quote, fill out an application, contact our beneficiary or customer service departments, sign up for an online account, report a death, or apply for employment, we may collect your name, date of birth, gender, Social Security number (“SSN”) or taxpayer identification number (“TIN”), driver’s license or state identification number, military/uniformed service identification number, place of birth, family and relationship information (e.g., your marital or parental status), and your contact information, such as your email, address, and phone number.
  • Uniformed Service Information – We collect certain service-related information to confirm eligibility for our products and services. This information may be collected from your insurance application and any documents or information you provide during our application and underwriting process. Additionally, in connection with delivering our education and veterans services programs, we may collect service-related information such as Department of Veterans Affairs (“VA”) ratings decision, DD214, enlisted record brief or officer record brief, medical evaluation board or physical evaluation board, current unit orders, line of duty documentation.
  • Insurance Information – We collect certain information related to your insurance coverage from your application and third-party service providers during our application and underwriting process.
  • Health Information – We collect certain health-related information from your insurance application, medical records, and health histories with your authorization, including from third-party service providers, during our application and underwriting process. Additionally, Navy Mutual is recognized by the VA as a national Veterans Service Organization (“VSO”). As A VSO, Navy Mutual’s veterans services program provides free assistance to honorably discharged veterans and their survivors with their claims for benefits from the VA. If you retain Navy Mutual to assist you with receiving your VA benefits, you consent to allowing Navy Mutual to have access to your Personal Information and health information (specifically your VA file) and other service-related information.
  • Financial and Credit History and Bank Information – We collect certain information about your financial and credit history from consumer reporting agencies (“CRAs”) and other non-affiliated third parties in connection with our application and underwriting process. We may also collect your bank account number, credit card number, or debit card number, including any required security or access codes necessary to process payments. With respect to credit and debit card information, Navy Mutual does not store any credit or debit card information directly; it uses a third-party payment processor to process transactions (e.g., collect premiums) and this information is stored directly by our third-party provider.
  • Commercial Information – We may collect commercial information, including information about the Services you have shown interest in.
  • Usage Information – When you use our Site, we may automatically record information, including your Internet Protocol address (“IP Address”), geolocation of your device, browser type, referring URLs (e.g., the website you visited before coming to our Site), domain names associated with your internet service provider, and any other information regarding your interaction with our Site.
  • Employment and Background Check Information – If you apply for employment with us, in addition to the Contact Information and Identifiers described above, we will also collect Personal Information related to your potential employment, including your education and employment history, demographic information, and any other information included in your resume or application, such as photographs or certifications. Navy Mutual’s headquarters is located on Joint Base Myer-Henderson Hall, a federal installation (“Fort Myer”). As part of our background check process during recruitment, we may also collect, among other things, civil and criminal court records. If you accept an offer of employment from us, prior to your start date, we may also collect Personal Information required for our employment records and to process your pay, taxes, and employment benefits, including among other things, your bank account number, ethnicity, veteran status, gender, marital status, and dependent and beneficiary data. If your role requires you to visit or be on-site at our headquarters, we will also collect additional Personal Information required to obtain access to Fort Myer, including your U.S. citizenship status, visa information, U.S. or foreign passport number, work authorization, Permanent Resident Card, Alien Registration Number (“ARN”), or Foreign National Number (“FNN”).
  • Communication Information – We may collect Personal Information contained within your communications with us via email, social media, telephone, or otherwise, and in certain cases, we may use third-party service providers to do so. Where permitted by applicable law, we may collect and maintain records of calls and chats with our agents, representatives, or employees.

How We Collect Personal Information

  • Directly From You – We collect Personal Information that you provide to us directly, for example, if you fill out an application, choose to contact us, provide information to us during the application or underwriting process, sign up to receive updates, or otherwise utilize our Site or Services.
  • From Third Parties – We may collect Personal Information from third parties, including but not limited to CRAs, data brokers, business partners, advertising networks, social networks, data analytics providers, mobile device providers, Internet or mobile service providers, recruiters and job application portals, and background check providers.
  • Through Online Tracking Technologies – We use cookies and similar technologies to collect Personal Information automatically as you navigate our Site. For additional information regarding our use of these technologies, see the Cookies and Tracking Technologies section below.

How We Use Personal Information

To the extent permitted by applicable law, we use Personal Information:

  • To provide our Site and Services, such as processing your application and underwriting applicable policies, providing customer service, verifying your information, creating and maintaining business records, and undertaking or providing similar services.
  • To optimize, improve, and maintain our Site, including understanding how members interact with our Site, gauging user interest in certain Site functionality, and troubleshooting problems.
  • For internal research and development, such as testing, verifying, and improving the quality of our Site or developing new ones.
  • For marketing and advertising, including using your information to send you messages, notices, newsletters, and surveys about our own or third parties’ products and/or services that may be of interest to you. We also use Personal Information to conduct interest-based advertising as discussed in the Cookies and Other Tracking Technologies section below. You can unsubscribe from any marketing e-mails that we may send you by following the instructions included in the email correspondence.
  • For communicating with you, such as responding to your questions and comments or notifying you of changes to our Site or Services. If you opt-in to receive SMS notifications from us, we will share your mobile number with our third-party SMS service providers to communicate with you via SMS messages. We will not share your mobile number with other third-parties except as you have consented to either under this Notice or other document.
  • For legal, security, or safety reasons, such as protecting our and our members’ safety, property, or rights; complying with legal requirements; enforcing our terms, conditions, and policies; detecting, preventing, and responding to security incidents; and protecting against malicious, deceptive, fraudulent, or illegal activity.
  • As part of a corporate transaction, such as in connection with the sale of part or all of our assets or business, the acquisition of part or all of another business or another business’ assets, or another corporate transaction, including bankruptcy.
  • To fulfill any other purpose for which you provide it, including purposes described when you provide the information or give your consent.

If you are applying for employment with us, we also use Personal Information to process your job application, to verify the information you have provided in your application, conduct interviews, perform background and reference checks, to communicate with you and answer your questions, to confirm your eligibility for employment, and improve our recruiting processes. We may also save your Personal Information for future employment opportunities with us.

How We Disclose Personal Information

We may disclose aggregated information about our members, and information that does not identify any individual, without restriction.

We may disclose your Personal Information with your consent or in the following circumstances:

  • Employees and Other Personnel – We may share Personal Information with our employees and personnel (such as contractors) who have a need to know the information for our business purposes.
  • Service Providers and Business Partners – We disclose your Personal Information with the service providers and business partners that we use to support our business, including but not limited to, companies that reinsure our products; provide check writing, billing services, and medical information on insureds; data analytics providers; website hosting providers; and other technology providers. If you are applying for a job with us, this may include third-party service providers, such as background check providers, professional networking platforms, and human resource information system (“HRIS”) providers.
  • Ad Tech Companies and Other Providers – We may share or make available limited Personal Information (such as mobile device identifiers) with ad tech companies and other online service providers. When we share your Personal Information in this context, we follow applicable legal requirements, which may require that we provide opt-out rights or other individual rights.
  • Legal Obligation or Safety Reasons – We may disclose Personal Information to a third party when we have a good faith belief that such disclosure of Personal Information is reasonably necessary to (a) satisfy or comply with any requirement of law, regulation, legal process, or enforceable governmental request, (b) enforce or investigate a potential violation of any agreement you have with us, (c) detect, prevent, or otherwise respond to fraud, security, or technical concerns, (d) support auditing and compliance functions, or (e) protect the rights, property, or safety of Navy Mutual, its employees and members, or the public against harm.
  • Merger or Change of Control – We may disclose Personal Information to third parties as necessary if we are involved in a merger, acquisition, or any other transaction involving a change of control in our business, including but not limited to, a bankruptcy or similar proceeding. Where legally required, we will give you notice prior to such disclosure.
  • Other – We may disclose Personal Information to third parties when explicitly requested by or consented to by you, or for the purposes for which you disclosed the Personal Information to us as indicated at the time and point of the disclosure (or as was obvious at the time and point of disclosure).

Cookies and Other Tracking Technologies

We and our service providers may use cookies and similar technologies to collect usage and browser information about how you use our Site. The technologies we use for this automatic data collection may include cookies and web beacons that permit us to verify system and server integrity and generate statistics around the popularity of certain content. We process the information collected through such technologies, which may include or be combined with Personal Information, to help operate certain features of our Site, to enhance your experience through personalization, and to help us better understand the features of our Site that you and other members are most interested in.

Website Analytics and Session Replay – We use analytics and session replay services, that use cookies and other technologies that collect your Personal Information, to assist us with analyzing our Site traffic and site usage to optimize, maintain, and secure our Site and inform subsequent business decisions (including, e.g., advertising). These include, but are not limited to, the following third-party services:

  • Microsoft Clarity: We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our Site through behavioral metrics, heatmaps, and session replay to improve and market our Services. Site usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of Services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.
  • Google Analytics: To learn more about how Google uses data, visit Google’s Privacy Policy and Google’s page on “How Google uses data from sites or apps that use our services.” You may download the Google Analytics Opt-out Browser Add-on for each web browser you use, but this does not prevent the use of other analytics tools. To learn more about Google Analytics cookies, visit Google Analytics Cookie Usage on Websites.
  • Yahoo! Analytics: We partner with Yahoo to monitor certain pages of our Site for the purpose of reporting Site traffic, statistics, advertisement “click-throughs,” and/or other activities on our Site. No Personal Information is transferred to Yahoo by us. Where authorized by us, Yahoo may use cookies, web beacons, and/or other monitoring technologies to compile anonymous statistics about our Site visitors. However, if you choose, you may opt out from Yahoo’s collection of such information outside of the Yahoo distribution network, by clicking on this link.
  • Crazy Egg Analytics: Our Site uses a script developed by Crazy Egg, Inc. (“Crazy Egg Script”) to store cookies (“Crazy Egg Cookies”) on devices used by visitors to our Site. The Crazy Egg Cookies obtain and analyze information about how visitors to this Site are interacting with the Site, and we use this information to improve our Site. For more information, please visit Crazy Egg, Inc’s privacy policy here. If you wish to disable (i.e., opt-out) of all Crazy Egg, Inc. tracking please visit Crazy Egg’s opt out page for how to disable/block the Crazy Egg Script and Cookies.
  • Meta Pixels and LinkedIn Insight Tags: We use Meta pixels and LinkedIn Insight tags to track user activity on our Site and improve downstream offerings, including interest-based advertising for our services and those of our partners and service providers. If you wish to limit or adjust your settings for LinkedIn Insight Tags, please visit LinkedIn’s Cookie Policy here. For additional information about limiting or adjusting your settings for Meta Pixels, please visit Meta’s Ad Preferences Center and review their Privacy Policy.

Interest-Based Advertising – We may also allow or enable third parties to collect Personal Information to provide their interest-based advertising on behalf of our Services, or their own. Interest-based advertising occurs when advertisements are shown to you based on information collected from your online interactions over time and across multiple websites, devices, or online services that you visit or use. Some companies may engage in cross-context behavioral advertising to predict your preferences and show you advertisements that are most likely to be of interest or relevant to you.

We do not control these third parties’ collection or use of your information for these purposes, or the opt-out options they may individually offer you via their terms, conditions, and privacy policies. If you have any questions about an advertisement or other targeted content, you should contact the applicable provider directly. Examples of the third-party service providers we engage to serve interest-based advertisements include Google Ads (including Google Dynamic Remarketing and Google Signals), Meta Ads (including Meta Pixels and Facebook advertising services), LinkedIn marketing solutions (including LinkedIn Ads, Insight Tags, and Analytics), and Microsoft advertising. It is in this context that we may provide advertising networks, data analytics providers, social networks, and video sharing platforms with Personal Information, such as your IP address, device information, Internet and other electronic network activity information, and geolocation information in the last twelve months.

Selling Personal Information – While we do not sell Personal Information in exchange for monetary consideration, we do disclose Personal Information for other benefits that could be deemed a “sale” under various data protection laws because it is sometimes broadly defined to include activities such as the delivery of interest-based advertising on websites or allowing third parties to receive certain information, such as cookies, IP address, and/or browsing behavior.

Cookie Choices – To manage your preferences with respect to these technologies, you can:

  • Change your cookie preferences by clicking “Manage Cookies” or customizing your browser settings to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable certain cookies, please note that some parts of our Site may not function properly. These settings may be lost and require reconfiguration if you delete your cookies.
  • Block the collection and use of your information by online platforms and ad tech companies for the purpose of serving interest-based advertising by visiting the opt out pages of the self-regulatory programs of which those companies are members: National Advertising Initiative and Digital Advertising Alliance. Please note that even if you opt out of interest-based advertising, you may still see “contextual” ads which are based on the context of what you are looking at on the websites and pages you visit.
  • Review and execute any provider-specific instructions to customize your preferences or opt-out of certain processing, including interest-based advertising, by third-party service providers. For example, to opt-out of this type of advertising by Google, customize your ad preferences, or limit Google’s collection or use of your data, visit Google’s Safety Center and Google’s Ad Settings and follow Google’s personalized ad opt-out instructions. To opt out of advertising under Adobe Audience Manager, please follow Adobe’s Experience Cloud opt-out instructions. Meta also offers an Ad Preferences center to customize your settings, as well as a Privacy Policy with additional information on how you can exercise your rights.

How Long We Keep Your Personal Information

We retain your Personal Information for as long as needed: (i) to provide our Services to you; (ii) fulfill the purposes outlined in this Notice; and (iii) to comply with our legal obligations, resolve disputes, and enforce any agreements. Criteria we will use to determine how long to retain your Personal Information include the nature and length of our relationship with you; our legal rights, obligations, and retention requirements; and if we have an ongoing purpose for retaining your Personal Information, such as communicating with you about Services you have requested.

Links to Third-Party Websites

We are not responsible for the practices employed by any websites or services linked to or from our Site, including the information or content contained within them. We encourage you to investigate and ask questions before disclosing Personal Information to third parties, since any Personal Information disclosed will be handled in accordance with the applicable third party’s privacy policy.

In some cases, we offer links to social media platforms (like Facebook, Instagram, LinkedIn, Pinterest, X (formerly known as Twitter), RallyPoint, and YouTube) that enable you to easily connect with us or share information on social media. Any content you post via these social media pages is subject to the terms of use and privacy policies for those platforms.

We may also integrate with other websites to provide enhanced services, technological capabilities, or resources for you. These plug-in services and capabilities are governed by the terms, conditions, and policies of the underlying companies.

International Use

If you are visiting our Site from outside of the United States, please note that our Site is hosted in the United States. Where permitted by applicable law, we may transfer the personal data we collect about you to the United States and other jurisdictions that may not be deemed to provide the same level of data protection as your home country, as necessary for the purposes set out in this Notice. For clarity, our products are not offered for sale outside the United States or its territories. However, individuals who are on federal government orders, maintain a home of record within the United States, and otherwise meet the Association’s eligibility requirements may apply for products.

How We Protect Personal Information

We have implemented commercially reasonable measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. Unfortunately, the transmission of information via the internet is not completely secure. Despite these efforts to store Personal Information in a secure environment, we cannot guarantee the security of Personal Information during its transmission or its storage on our systems.

Exercising Your Privacy Rights

Depending on where you live, you may have the following rights with respect to your Personal Information under applicable data protection laws:

  • Access – The right to request access to and obtain a copy of any Personal Information we may have about you.
  • Deletion – The right to delete your Personal Information that we have collected or obtained, subject to certain exceptions.
  • Correction – The right to request that we correct any inaccuracies in your Personal Information, subject to certain exceptions.
  • Opt Out of Certain Processing – The right to opt out of the processing of your Personal Information for purposes of targeted advertising and opt out of the “sale” of your Personal Information. As discussed above, we do not sell Personal Information for monetary consideration, but some of our online practices with respect to cookies and other tracking technologies may mean we “sell” Personal Information to third parties.
  • Automated Decision-Making – The right to know when you are subject to automated decision-making, the Personal Information used to render the decision, the principal factors and parameters involved in the decision, and human review or correction of the decision (or its underlying data, where appropriate). You may also have the right, depending on your location, to consent or opt out of (a) this automated decision-making or (b) any profiling in furtherance of decisions that produce legal or similarly significant effects. We do not profile you or other individuals in a manner that would result in legal or similarly significant effects, or engage in automated decision-making, so we do not offer an opt out of such activity.
  • Lodge a Complaint – The right to lodge a complaint with a supervisory authority or other regulatory agency if you believe we have violated any of the rights afforded to you under applicable data protection laws. We encourage you to reach out to us first, so we have an opportunity to address your concerns directly.

To exercise any of the privacy rights afforded to you under applicable data protection laws, please contact us at customerservice@navymutual.org or (800) 628-6011. You may also exercise your opt out rights by broadcasting an Opt-Out Preference Signal, such as the Global Privacy Control (“GPC”). We honor Opt-Out Preference Signals, including GPC. If you choose to use an Opt-Out Preference Signal, you will need to turn it on for each supported browser or browser extension you use.

You will not be discriminated against in any way by virtue of your exercise of the rights listed in this Notice. However, if you choose not to provide certain Personal Information, we may be unable to provide some, or all, of our Services to you.

Only you, or an authorized agent that you authorize to act on your behalf, may make a request related to your Personal Information. We may need to verify your identity before fulfilling certain requests, and if we cannot verify your identity, we may request additional information from you. If you are an authorized agent making certain requests on behalf of another person, we will also need to verify your identity, which may require proof of your written authorization or evidence of power of attorney. We endeavor to respond to requests within the time period required by applicable law. If we require more time, we will inform you of the reason and extension period in writing.

We do not charge a fee to process or respond to your requests unless they are excessive or repetitive. If we determine that a request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. We may deny certain requests, or only fulfill some in part, as permitted or required by law. If you are not satisfied with the resolution of your request and you are afforded a right to appeal such decision, you will be notified of our appeal process in our response to your request.

Children’s Privacy

We do not knowingly collect or solicit any Personal Information from children, as defined under applicable law, without verified written parental consent, and we have no actual knowledge of selling such Personal Information of minors under 16 years of age. If we learn that we have collected Personal Information from a child, we will promptly take steps to delete that information. If you believe we might have any information from or about a child, please contact us at customerservice@navymutual.org.

Shine the Light

Under California Civil Code Section 1798.83, individual customers who reside in California and who have an existing business relationship with us may request information about our disclosure of certain categories of Personal Information to third parties for the third parties’ direct marketing purposes, if any. To make such a request, please contact us at customerservice@navymutual.org. Please be aware that not all information sharing is covered by these California privacy rights requirements and only information on covered sharing will be included in our response. This request may be made no more than once per calendar year.

Changes to this Notice

Please note that we may modify or update this Notice from time to time, so please review it periodically. If we make material changes to how we treat Personal Information, we will notify you according to applicable law. Unless otherwise indicated, any changes to this Notice will apply immediately upon posting to our Site. You are responsible for periodically visiting our Site and this Notice to check for any changes.

Contact Us

If you have any questions about our practices or this Notice, please contact us at customerservice@navymutual.org or (800) 628-6011.