Privacy Policy

AARP Member Advantages Privacy Policy

 

Effective December 22, 2017

AARP Services, Inc. (“ASI”), a wholly-owned, for-profit subsidiary of AARP, is committed to maintaining your trust by respecting and protecting your privacy. This Privacy Policy applies solely to AARP Member Advantages (“Member Advantages”) websites and applications (“apps”), which are operated by or on behalf of ASI and other third parties providing AARP commercial member benefits.  All other operations of AARP, a non-profit organization, and each of its subsidiaries and affiliates), are governed by the AARP Privacy Policy except where an AARP or affiliate’s website or app specifically points to a different policy.

In this Privacy Policy, the terms "we,” "our,” and "us” refer to ASI and/or the operator(s) of  Member Advantages websites and apps that perform those functions on ASI’s behalf.

Collection and Use:

We collect and use personal data from or about you to provide and improve Member Advantages websites and apps experiences. We collect such data in various ways, including data you provide to us, data we collect by automated means, and data we collect from other sources.  

Sharing:

Except as described in this Privacy Policy, we do not share your personal data with unaffiliated entities (entities that are not owned or controlled by AARP) without your consent. We do share personal data with a limited number of Licensed Service Providers, which are unaffiliated entities that make available products or services and/or discounts to AARP members. These Licensed Service Providers are required to use the personal data only to offer, provide, maintain, and analyze the contracted products, services, or discounts. We also share personal data with vendors and social media networks we hire to provide services or perform business functions on our behalf. These vendors are contractually required to treat the personal data we provide as confidential, and to use the personal data only to provide the services we have requested they perform on our behalf. Finally, we may share personal data pursuant to legal requirements, as necessary to protect ourselves, our members or others, or in connection with a business transfer or substantial transaction such as a sale, merger, consolidation or bankruptcy. 

Security:

We use administrative, technical, and physical security measures designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.

Choice:
We strive to provide you reasonable choices regarding our collection, use and sharing of, your personal data. We provide you access to review and correct certain personal data, and provide you control over how we communicate with you, among other choices.

More Information:
Please review the full Privacy Policy below for more complete details on how we collect, use, share, and protect your personal data, as well as the choices you have regarding our use and sharing of your personal data, along with other important considerations.  

What This Privacy Policy Covers

This Privacy Policy applies to personal data, which we define as data that identifies or can reasonably be used to identify an individual (such as your name, address, email address, phone number) and data that is linked to such personal data (such as demographic data, passwords, payment data, device and usage data, and location data). This Privacy Policy does not apply to data that is not personal data or is not linked to personal data, including anonymous, de-identified, or aggregate data, which cannot reasonably be used to identify you – even when such data has been derived from personal data.

This Privacy Policy describes why and how we collect, use, share, and protect personal data on Member Advantages websites and apps (which may include apps designed for smartphones, tablets, computers, and other devices). It also explains your choices regarding how we share your personal data and communicate with you, how you can request access to and correction of your personal data, and other important considerations relating to Member Advantages.

By providing us your personal data or by using the Member Advantages websites or apps, you consent to our collection, use, and sharing of personal data as described in this Privacy Policy. Accordingly, we urge you to read it carefully and contact us with any questions as follows:

  • Email us at member@aarp.org
  • Call us at 888-OUR-AARP (888-687-2277)
  • Write to us at AARP Membership Center, 3200 E. Carson St., Lakewood, CA 90712

Why We Collect and How We Use Personal Data

We collect and use personal data from or about you to provide and improve Member Advantages websites and apps experiences, including to:  

  • Deliver information regarding AARP commercial member benefits,  including products, services or discounts, you request while on the website or apps 
  • Evaluate and respond to your inquiries and submissions made while on the website or apps
  • Provide you with customer support regarding  AARP commercial member benefits
  • Communicate with you regarding AARP commercial member benefits through various communications channels
  • Create and manage your website and app account registrations
  • Conduct and administer contests, surveys, and sweepstakes (note that in some cases a non-AARP sponsor’s privacy policy may also apply)
  • Customize your experiences on the website and apps and identify you online, including by displaying offers and advertising tailored to your interests and/or background
  • Evaluate and improve the products, services, and discounts provided by third parties, , digital services, and other operations (e.g., developing and analyzing new or revised products and services; performing market research and data analytics; creating and applying aggregate models; assessing the effectiveness of our websites, apps, communications, advertising, and marketing programs)
  • Investigate complaints and claims, and provide other security protections
  • Comply with and enforce applicable legal obligations, our policies, and our terms and conditions

How We Collect Personal Data

We collect personal data from or about you in various ways, including data you provide to us, data we collect by automated means, and data we collect from other sources. We may combine personal data from various sources, and may combine non-personal data with personal data. When we do so, the combined information is treated as personal data under this policy unless it is later de-identified or otherwise disassociated from your personal data.

Data You Provide

We collect your personal data when you choose to provide it as you interact with us through our Member Advantages websites or apps, as well as through Member Advantages related correspondence, phone calls, and social media. For instance, when you register for a Member Advantages account, you will be asked to provide basic personal data as part of your registration. You may also choose to provide personal data through subsequent interactions with us.  The personal data you provide might include:   

  • Contact and identification information, such as your name, address, telephone number, and email address; 
  • Demographic information, such as your age, date of birth, gender, and employment and occupation information;
  • Login and access credentials for your Member Advantages website and app registrations, such as your username, password, and password reminders and answers (Note: Member Advantages shares a common login/authentication process with AARP.org, which is governed by the AARP Privacy Policy);
  • Your AARP membership number;
  • Content you create or submit, such as correspondence, photographs, survey responses, public forum or message board postings, social network information; 
  • Communication preferences, such as which Member Advantages emails and newsletters you wish to receive,  and whether you wish to receive push notifications in our apps;

Data We Collect by Automated Means 

We collect data (some of which may be personal data) by automated means when you interact with us through Member Advantages websites and apps, and when we communicate with you by email. We use standard technologies, including browser cookies, Web beacons, and third-party analytics services to collect this behavioral and operational data, which may be recorded and retained in web logs and other systems of ASI and/or the operators(s) of the Member Advantages website and apps.

The collection of such data is a common practice that supports digital services, and is used to provide customized digital experiences, as well as for market research, analytics, and system administration purposes. For example, we may use this data to determine whether you’ve previously visited our website, to store your preferences and settings, and to provide authentication processes so you can more easily access your account. We also may use this data to target custom content and ads to you on our websites, in our apps, and through other digital communications, as well as on third-party websites and app as described in the Targeted Advertising section below.

Examples of the data we may automatically collect as part of our website, app, and digital communication experiences include:

  • Your device and browser type, your operating system version, and your language settings
  • Your Internet service provider (ISP)
  • Your internet protocol (IP) address, Mobile Advertising ID, media access control (MAC) address, or similar device identifiers
  • The website that referred you to our website, or that you visit upon leaving our website via a link from our site
  • The times and dates that you visit our websites or use our apps, and the duration of such use
  • Information about areas of our websites or apps that you visited or used, as well as specific content or advertisements you viewed or links you clicked 
  • Information that identifies the precise physical location of your mobile device, based on your specific consent (we may use your IP address to obtain an estimated location without seeking your specific consent – but such data does not provide a precise location) 
  • Information collected through cookies, Web beacons, analytics tools, and other similar technologies
    • A “cookie” is a small data file that a website sends to and stores on your device that allows the site to recognize your browser or store information or settings. The cookie itself does not contain personal data, but can be read by the entity that placed the cookie and may allow it to associate your device to personal data. We may use “persistent” and/or “session” cookies. Persistent cookies are stored on your computer and used for various purposes by your browser on subsequent website visits (such as to avoid having to reenter your log-on credentials). Session cookies are temporarily held in your computer’s memory and erased after you end a browser session or shut off your computer. 
    • A Web beacon (sometimes called transparent or single pixel “GIFs”) is an invisible digital object embedded in a webpage or email. Web beacons are typically used to monitor your interaction with the webpage or email. Web beacons can help us count visitors, determine whether emails are opened, how long a webpage is viewed, and perform similar functions. Our webpages may contain Web beacons from third parties, which help us compile aggregated statistics regarding the effectiveness of our ad campaigns and assess website operations.   
    • Analytics tools allow us to measure and assess how users interact with our websites, apps, and digital communications. These services are typically provided by third-parties with whom we contract – primarily Adobe and Google Analytics. These providers may use many of the same technologies discussed above (such as cookies and Web beacons) to collect various data points associated with your visits to our websites and use of our apps. 

We may also collect data (some of which may be personal data) by automated means when you call the customer service center. For instance, we may record audio of these calls for quality control, training, security, and analytics purposes.
You have choices to limit the collection and use of some of this data as described in the Your Personal Data Choices section of this Privacy Policy.

Data We Collect from Other Sources

We may receive personal data about you from AARP and its subsidiaries and affiliates. We may also collect personal data about you from unaffiliated sources with whom we contract, such as Licensed Service Providers, vendors and data aggregators, as well as from public sources or databases. We may obtain from these entities data such as your name, postal address, telephone number, demographic data (such as age, gender, income level, and purchasing profiles), and publicly observed data (such as activity on blogs, videos, and other online postings). We generally use such data to update or append to personal data we already have about members (such as an address update), or to enhance our data models.

We may offer opportunities for our website or app users to forward information about or from Member Advantages to a family member or friend through “refer a friend” mechanisms. If an individual uses such a mechanism, we may ask that they provide us the friend’s name and email address – as well as the individual’s own name and email address. We will only use the friend’s personal data to send the requested email or other information, and we may identify that we are doing so at the other individual’s request.

How We Share Personal Data

We share personal data collected through Member Advantages websites and apps with AARP and its other subsidiaries and affiliates. AARP’s use of such data and sharing with unaffiliated third-parties is governed by the AARP Privacy Policy. Except as described below, we do not share your personal data with unaffiliated entities (entities that are not owned or controlled by AARP) without your consent. We may, however, share anonymous, de-identified, or aggregate data, which cannot reasonably be used to identify you – even where it has been derived from personal data. You may limit certain sharing of your personal data as described below in Your Personal Data Choices.

  • Licensed Service Providers. We share personal data related to Member Advantages users with the AARP Licensed Service Providers. . These Licensed Service Providers pay AARP a fee for the right to use the AARP brand and access the AARP membership list and related data. These fees are used to support AARP’s non-profit mission. Licensed Service Providers are contractually required to treat the personal data AARP provides as confidential, and to use the personal data only to offer, provide, maintain, and analyze the products, services, or discounts to AARP members. ASI, on behalf of AARP, oversees these companies' compliance with these contractual requirements. Some of these Licensed Service Providers may collect personal data about Member Advantages users through their own interactions with those members, and may share some or all of this data with AARP and ASI to help us provide more effective and personalized service. The Licensed Service Providers’ own data collection and sharing practices are governed by their privacy policies, not this Privacy Policy. 
  • Approved Vendors. We may share personal data with unaffiliated companies or individuals we hire to provide services or perform business functions on our behalf (such as print, mail, or email vendors; web hosting vendors; cloud service providers; consultants; digital advertising and analytics vendors; and contest or sweepstakes operators) because these vendors need access to the personal data to perform the functions we’ve requested of them. These vendors are contractually required to treat the personal data we provide as confidential, and to use the personal data only to provide the services we have requested they perform on our behalf. 
  • Social Media Advertising Networks.  We may share personal data with social media networks to facilitate the delivery of our customized advertising or messages on their network. The limited personal data we provide as part of the networks’ custom audience programs (generally email addresses) facilitates the delivery of the correct content to the right social media user. These networks only use the personal data we provide to identify you for these purposes. The delivery of customized social media ads or other content, and your ability to opt-out, is governed by the privacy policies of the social media companies, not this Privacy Policy.

We may also share your personal data with other third parties as follows:

  • Pursuant to Legal Requirements. We may disclose your personal data (1) if we believe we are required to do so by law, regulation or legal process, such as in response to a court order, subpoena, or similar investigative demand; (2) as we deem appropriate or necessary in response to requests for cooperation from a law enforcement agency, taxation authority, or other government agency; and (3) to defend against legal claims, exercise our legal rights, or as otherwise required by law.
  • To Protect Ourselves, Our Users, or Others. We may disclose your personal data when we believe disclosure is necessary (1) to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; (2) to protect and defend the rights, property, or safety of our organization, our members, our employees, our websites and apps users, or others; and (3) to enforce our terms and conditions or other agreements or policies.
  • In Connection With Business Transfers. We may disclose or transfer your personal data in the unlikely event of a substantial corporate transaction or negotiation involving ASI (including, without limitation, in the event of a bankruptcy or non-bankruptcy reorganization, consolidation, dissolution, or liquidation), although the use of Member Advantages data following the transfer will remain subject to the terms of this Privacy Policy.

How We Protect Personal Data

We use commercially reasonable administrative, technical, and physical security measures designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use. Despite our safeguards, however, no website, app, or information system can ever be completely secure so we cannot guarantee that the use of our systems, websites, or apps will be completely safe or secure. For additional information on privacy, identity theft, and online security, please visit the U.S. Federal Trade Commission's website.  

Your Personal Data Choices

We strive to provide you reasonable choices regarding your access to, and our collection, use and sharing of, your personal data. In addition to using the mechanisms described below, you may contact us at any time regarding these choices as follows:

  • Email us at member@aarp.org
  • Call us at 888-OUR-AARP (888-687-2277)
  • Write to us at AARP Membership Center, 3200 E. Carson St., Lakewood, CA 90712 

Personal Data Access

If you wish to review and/or request changes to certain personal data we have collected about you (such as your Member Advantages  contact information, username and password,), you may do so by logging into your AARP Member Advantages account, or by contacting us as identified above. We will make reasonable attempts to comply with such requests , but may refuse requests that are unreasonably repetitive, require disproportionate technical effort, risk the privacy of others, or are impractical. 

Member Advantages Communications

If you sign up for AARP Member Advantages emails from ASI, you can unsubscribe at any time by clicking on the unsubscribe link on the bottom of any AARP Member Advantages email or by logging in to your Member Advantages account and then clicking here, and following the instructions. Please note that if you opt out of receiving AARP Member Advantages emails from ASI, you may continue to receive emails from AARP and third parties that offer AARP member benefits. You may need to contact those third parties directly in order to opt out of receiving their future communications. You also may opt out of receiving those parties’ emails by clicking on the "unsubscribe" link within the text of third-party emails you receive.  

Cookies

Most web browsers can be set to reject cookies or provide notice when cookies are placed on your device. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences. Although it is up to you whether to accept cookies from our websites, if you reject cookies, certain functions on our websites may not work properly, and your ability to use some areas of the websites may be limited. It is also important to note that the opt-out mechanisms described in the Targeted Advertising section below generally rely on cookies to retain your opt-out preferences. So if you reject or erase cookies, your opt-out choices may not function properly.   

Third-Party Analytics

Our analytics providers, primarily Adobe and Google Analytics, may collect data points associated with your visits to our websites and use of our apps in order to assist us with analyzing and assessing our digital properties. You can, however, opt-out of certain data collection by these analytics providers. To learn more about Adobe Analytics and how to opt-out of their data collection, click here. To learn more about Google Analytics and how to opt-out of their data collection, click here

Targeted Advertising

We collect data (both directly and through third-parties) about your activities on Member Advantages websites and apps and may combine it with other personal data we have about you for use in providing more customized experiences, including advertising tailored to your individual interests. We may also share data about activities on our websites with advertising networks administered by third parties, which may use many of the same technologies previously discussed (such as cookies, web beacons, and analytics tools) to track your online activities over time and across websites. This collection and ad targeting takes place both on our websites and apps and on third-party digital properties that participate in those ad networks. As a result, you may see certain ads on other websites based on prior activity on our websites and apps, and vice versa.

The Digital Advertising Alliance (DAA) has created guidance for online advertisers and provided the “AdChoices” mechanism for such advertisers to comply with users’ choices regarding the placement of interest-based ads. By clicking on the AdChoices icon presented in the corner of each ad served by participants in the AdChoices program, you will be directed to a webpage to allow opt-outs from that ad network and/or for all ad networks participating in the AdChoices program. To learn more about ad networks, including how to opt out of interest-based ads, click here.

It is important to note that your choice to stop targeted advertising is specific to the browser you are using. If you make a choice to opt-out from one computer browser and you want your opt-out to apply to a different computer and/or browser, you must also opt-out from that computer. It is also important to note that most of these choices are cookie-based. If you delete cookies after making an opt-out choice, you will need to perform the opt-out again.  

You can manage targeted ads in our apps through your device operating system settings. For iOS apps, visit the “advertising” controls in your privacy settings. For Android apps, use the Settings App.  Both operating systems allow you to opt-out of targeted ads and/or reset your device advertising ID.  

We may also work with certain social media websites or platforms (such as Facebook or Twitter) to serve ads to you as part of a customized social media campaign. You can opt-out of receiving customized ads by changing your ad preferences on those platforms, which we do not control.

Location Data

We will request your permission before our apps access precise location data for your mobile device, generally when you first launch our apps. If you have previously consented to our app accessing precise location information, you may revoke that permission at any time through your device’s operating system location preference controls. You may also stop our access to precise location data by following the standard uninstall process to remove our apps from your device.

Other Important Considerations

Do Not Track

We do not currently process or respond to “Do Not Track” signals from your browser. As previously described, we do participate in online advertising networks administered by third parties, which may track your online activities over time and across third-party websites. You may opt-out of interest-based and other targeted advertising as set forth above in the Targeted Advertising section. However, even if you opt out of such ads, ASI may continue to collect and use online activity data on our websites and in our apps for other purposes.

Links to Other Websites

Our Member Advantages websites and apps may provide links or automatically redirect you to third-party websites that are not controlled by ASI or governed by this Privacy Policy. For example, if you click on an advertisement or a link for a member benefit offered by a Licensed Service Provider, you may be redirected to a website operated by that provider. These third-party websites may collect personal data and other data from or about you. We are not responsible for the content or privacy practices of any website that we do not control, and your interactions with such websites are governed solely by the privacy policies of the entity operating the websites, not this Privacy Policy.

Social Media

If you are logged in to your social media account or use your social media credentials to log-in to Member Advantages websites or apps, and if you use a “like” button or similar social media feature on our website or app, those social media companies may collect certain information about you, such as your IP address and which pages you visit on our websites or apps. These social media features are not operated by ASI. Your interactions with social media companies and the use of their features are governed by the privacy policies of the social media companies that provide those features, not this Privacy Policy.

US-Based Organization

ASI is headquartered in the United States and all of our data processing activities occur in the United States. Any personal data you provide to us, including through the Member Advantages websites and apps, will be transferred to, processed, and stored in the United States. By providing us your personal data or using our websites and apps, you acknowledge that the United States has standards for the processing and storage of personal data that may not be equivalent to (and may be less comprehensive than) those in the country where you reside and/or are a citizen, and you consent to our collection, transfer, processing, and storage of your personal data in the United States.

Children

Member Advantages websites and apps are not intended for use by children under the age of 13 and we do not knowingly collect personal data from such children. If a child under the age of 13 has provided us with personal data, we ask that a parent or guardian contact us so that the personal data can be deleted.   

Updates

We may update this Privacy Policy at any time and without prior notice by posting an updated Privacy Policy on our Member Advantages websites and apps. When we do so, we will revise the “last updated” date at the top of the Privacy Policy. If we make material changes in the way we use and/or share your personal data, we will attempt to notify you directly, such as by sending an email to the email address you most recently provided to us and/or by prominently posting notice of the changes on our websites and in our apps.