Privacy Policy
Effective November 3, 2026 | Last updated November 3, 2026
Thank you for choosing Harvey W. Watt & Co. (“Harvey Watt,” “we,” “us,” or “our”). Protecting your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect information about visitors to HarveyWatt.com and about our applicants, policyholders, certificate holders, and claimants. In short, we treat your personal information responsibly and give you choices about how it is used.
This Privacy Policy has two parts. Part 1 covers our website and our general handling of personal information. Part 2 explains how we collect, use, share, and protect medical information we receive when we underwrite coverage or process disability and loss-of-medical-license claims.
If we change this Privacy Policy, we will post the updated version on this page and revise the “Last updated” date above.
Part 1: Online and Consumer Privacy Policy
Information we collect when you visit our website
Much of our website can be used without registering or giving us your name, address, or other contact information. For example, you can review plan descriptions and general information without identifying yourself.
When you visit HarveyWatt.com, we and our service providers automatically collect certain technical information, such as your IP address, browser type, device type, referring web page, pages viewed, and the date and time of your visit. We use this information to operate and secure our website, understand how visitors use it, and improve your experience. This technical information does not by itself tell us your name or contact information.
Cookies and similar technologies
Cookies are small text files that a website places on your device. We use cookies, pixels (sometimes called web beacons or clear GIFs), and similar technologies to:
- Keep our website working properly and create secure sessions when you log in or submit information
- Remember your preferences
- Analyze how visitors use our website so we can improve it
- Measure the effectiveness of our communications and advertising, including how many people view or click on our ads
Some of these technologies are provided by third parties, such as analytics and advertising providers. These providers may collect information about your use of our website and other websites over time. To learn more or to opt out of personalized advertising, you can visit, for example, Google Ads Settings (adssettings.google.com), the Google Analytics opt-out page (tools.google.com/dlpage/gaoptout), the Network Advertising Initiative (optout.networkadvertising.org), or the Digital Advertising Alliance (optout.aboutads.info).
Most browsers accept cookies by default, but you can change your browser settings to block cookies or to alert you when a cookie is being sent. If you disable cookies, some features of our website, including secure online forms, may not work properly. Our website does not currently respond to browser “Do Not Track” signals.
Personal information we collect
“Personal information” is information that identifies you or relates to your relationship with Harvey Watt. Depending on the products and services you use, we may collect:
- Name, mailing address, email address, and phone number
- Date of birth and Social Security number
- Employer, airline, union, or association membership, and employment information
- Pilot certificate and FAA medical certificate information
- Policy, certificate, claim, or account numbers
- Beneficiary and family member information
- Income, payment, and other financial information
- Medical information, including information from physicians, hospitals, and other health care providers
- Consumer report information, such as prescription history, motor vehicle, or credit reports, where permitted by law
- Information from your applications, claims, and transactions with us
- Any other information you choose to provide to us
We collect personal information when you:
- Ask a question or contact us
- Apply for coverage or enroll in a group program
- File or support a claim
- Complete a form or conduct a transaction
- Send us email or subscribe to our email communications
- Apply for a job with us
We also receive personal information from other sources, such as your airline, union, or association (for group programs), the insurance companies that underwrite your coverage, health care providers, consumer reporting agencies, and your authorized representatives.
Medical information
When you apply for coverage or file a claim, we may need to collect medical information. We use medical information only to underwrite, administer, and pay claims under your coverage and as otherwise permitted or required by law. We will not use or share your medical information for marketing purposes without your written authorization. Part 2 of this Privacy Policy describes our practices for medical information in more detail.
Standard email may not be secure. Please do not send Social Security numbers, medical records, or other sensitive information by regular email. Please contact us for instructions on sending documents securely.
Text messaging
If you opt in to receive text messages from Harvey Watt, we may send you service-related messages about your coverage, applications, claims, and account. We do not send marketing text messages. Consent to receive text messages is not a condition of purchasing any product or service. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP, and you can reply HELP for assistance or call us at 1-800-241-6103. Wireless carriers are not liable for delayed or undelivered messages.
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.
How we use personal information
We use personal information to:
- Evaluate applications and underwrite, issue, and administer coverage
- Process, investigate, and pay claims
- Communicate with you, answer your questions, and provide customer service
- Operate, secure, and improve our website and services
- Detect and prevent fraud
- Evaluate job applications
- Comply with legal and regulatory requirements
- Tell you about other products and services that may interest you, subject to your choices described below
How we share personal information
We do not sell your personal information.
We share personal information only as needed to provide and administer your coverage, as permitted or required by law, or with your consent. For example, we may share personal information with:
- The insurance companies that underwrite your coverage
- The airline, union, or association that sponsors your group program, to the extent needed to administer the program (for example, to confirm eligibility or enrollment). We do not share your medical information with your employer unless you authorize it or the law permits it.
- Service providers that perform services on our behalf, such as claims review, medical review, printing and mailing, payment processing, information technology, and website hosting
- Your authorized representatives, such as an attorney or someone you have authorized to act for you
- Regulators, courts, law enforcement, and others when required or permitted by law, or to protect our rights, prevent fraud, or protect the safety of others
- A successor organization in connection with a merger, acquisition, or sale of all or part of our business
We also share personal information for everyday business purposes, such as mailing statements and processing transactions you request. You cannot opt out of this sharing.
Marketing and your choices
We may use your personal information, other than medical information, to tell you about other Harvey Watt products and services that may interest you. We may also share such information with our affiliated companies or with other financial institutions with which we have joint marketing agreements, so that we can offer you products jointly with them. Our joint marketing partners are required by contract to keep your information confidential and to use it only for the jointly offered products.
Sometimes our contract with your employer, union, or association prohibits this type of sharing. In that case, we will not market new products to you unless you contact us first and give us your consent.
You can ask us not to use or share your personal information to market products to you by calling us toll-free at 1-800-241-6103 or writing to us at the address below. If you have already opted out, you do not need to do so again. You can also unsubscribe from our marketing emails at any time by using the link in the email.
Confidentiality and security
We maintain administrative, technical, and physical safeguards designed to protect your personal information. We limit access to your personal information to employees and service providers who need it to do their jobs. We require our service providers, by contract, to protect your personal information and to use it only for the purposes for which we provided it. No method of transmitting or storing information is completely secure, but we work to protect your information and to comply with applicable data security laws.
How long we keep information
We keep personal information for as long as needed to provide our services, administer your coverage and claims, and meet our legal, regulatory, and recordkeeping obligations. We then dispose of it securely.
Links to other websites
Our website may contain links to websites operated by other companies or organizations, such as airlines, unions, insurance carriers, or the FAA. We are not responsible for how those websites collect, use, share, or secure your information. Please read their privacy policies before providing them with personal information.
Children’s privacy
Our website is not directed to children under 13, and we do not knowingly collect personal information online from children under 13.
Accessing and correcting your information
If you are a Harvey Watt customer, you may request access to the personal information we maintain about you or ask us to correct information you believe is inaccurate. Please send a written request to our Privacy Officer at the address below, including your name, address, and policy, certificate, or claim number. We will need to verify your identity before releasing or changing your information; this is for your protection.
You can also call us at 1-800-241-6103 to update your contact information. We cannot change information that another company provides to us. For example, to correct information in a consumer report, you will need to contact the consumer reporting agency that prepared it.
Your state privacy rights
Depending on where you live, you may have additional rights under state law regarding your personal information. Much of the information we collect is governed by federal and state insurance and financial privacy laws. To ask about or exercise any rights you may have, please contact us using the information below. We will not discriminate against you for exercising your privacy rights.
Contact us
If you have questions about this Privacy Policy, please contact:
Harvey W. Watt & Co.
ATTN: Privacy Officer
P.O. Box 20787
Atlanta, GA 30320
1-800-241-6103, extension 229
Part 2: How We Protect Your Medical Information
When you apply for coverage or file a claim, we may need medical information about you. We treat this information as confidential and protect it as required by the state and federal insurance privacy laws that apply to us.
Medical information we collect
Medical information includes information about your past, present, or future physical or mental health or condition, the health care you have received, and payment for medical reviews or examinations. We collect medical information from:
- You, through your applications, claim forms, and communications with us
- Physicians, Aviation Medical Examiners, hospitals, and other health care providers
- The FAA and other sources you authorize us to contact
- Prescription history and other consumer reporting services, where permitted by law
We generally collect medical information from these sources only with your signed authorization.
How we use medical information
We use medical information only to:
- Evaluate your application and decide whether to issue, renew, or replace coverage
- Review, process, and pay your claims, including arranging medical reviews or examinations
- Administer your coverage, detect and prevent fraud, and meet our legal and regulatory obligations
We do not sell your medical information, and we do not use or share it for marketing without your written authorization.
How we share medical information
We share medical information only as needed for the purposes above, as permitted or required by law, or with your authorization. For example, we may share it with:
- The insurance companies that underwrite your coverage
- Physicians and other professionals who review claims or perform examinations on our behalf
- Service providers that help us administer coverage and claims. They are required by contract to keep your information confidential and to use it only for the services they provide to us.
- Your authorized representatives, such as an attorney or someone you have authorized to act for you
- Insurance regulators, courts, and law enforcement, when required or permitted by law
We do not share your medical information with your employer, union, or association unless you authorize it or the law permits it.
Your authorization
When you apply for coverage or file a claim, we will ask you to sign an authorization allowing us to obtain and use the medical information needed to process your application or claim. You may revoke your authorization at any time by writing to our Privacy Officer. Your revocation will not apply (1) to the extent we have already acted in reliance on your authorization, or (2) if your authorization was obtained as a condition of obtaining insurance coverage and the law gives us the right to contest a claim under the policy or the policy itself. Revoking your authorization may prevent us from completing your application or processing your claim.
Accessing and correcting your medical information
You may ask to see or receive a copy of the medical information we maintain about you, or ask us to correct information you believe is inaccurate, as provided by applicable law. Please send a written request to our Privacy Officer at the address below. We will verify your identity before releasing or changing any information.
Some medical information may be provided to a licensed health care professional you designate, rather than directly to you, where state law allows. If information came from a health care provider, you may need to ask that provider to correct it.
You may have additional rights under the laws of your state.
Questions and concerns
If you have questions about how we handle your medical information, or believe your privacy has not been respected, please contact our Privacy Officer. When you write to us, please include your name, address, and policy, certificate, or claim number. You may also contact the insurance department in your state.
Harvey W. Watt & Co.
ATTN: Privacy Officer
P.O. Box 20787
Atlanta, GA 30320
1-800-241-6103, extension 229