We
know that the privacy of your personal information is important to you. That’s
why we want you to know how we protect your privacy and the measures we take to
safeguard your information.
We
have built our business on a foundation of integrity, honesty, and trust. These
values are reflected in our longstanding commitment to protect your privacy.
On
this Web site, we strive to provide you with the most comprehensive and
dependable source of life insurance and financial products information on the
Web. You can access this information with complete anonymity. Whether
researching our products and services, using our tools, or accessing our
educational content, you need provide no personal information whatsoever.
Whenever you do supply personal information, such as your name, address,
telephone number, or e-mail address, it is kept secure and used solely to
answer your inquiry, comply with your request, or supply you with information
about new products and services to help you meet your needs.
To
meet our users’ needs with insurance and financial products and services, we
depend on certain information. In gathering and maintaining this information,
we pledge to…
·
Collect
only the information we need to deliver superior products and services to you.
·
Prevent
unauthorized access to your information.
·
Refuse
to disclose your health information to third parties for marketing purposes
without your consent.
·
Require
companies that help us service your policy or account to protect your
information in accordance with strict privacy standards.
·
Maintain
up-to-date privacy notices on our Web sites.
The
following policies and procedures protect the privacy of your information:
In the normal course of business we
may collect the following types of information:
·
Information
you provide on applications and other forms (including name, address, income
and other household information)
·
Data
about your transactions with us (such as the type of products you have
purchased and your account status)
·
Information
gathered on our Web sites through online forms and site visit data collected
through the use of information-collecting devices known as “cookies”
·
Health
information, collected with your authorization, if you apply for products such
as life insurance or long term care insurance
Access to information gathered on our Web sites is
limited to personnel who need the information to perform their job
responsibilities. We maintain physical, electronic, and procedural safeguards
that meet or exceed state and federal regulations. We continually update and
improve our security standards, procedures, and technology to protect against
unauthorized access to your confidential information.
We may share your personal information within the New York Life Family or with non-affiliated companies as described below.
·
We
may share your information within the New York Life Family as permitted by law,
including for routine business administration.
·
We
may share information with non-affiliated companies as allowed by law, such as
firms that perform services on our behalf including administering and marketing
our products. We require these companies to meet strict privacy standards.
·
We
may disclose information to non-affiliated entities when required by law, such
as to respond to a subpoena, to prevent fraud, or to comply with an
inquiry by a governmental agency.
·
Health Information Practices – We will not share your
health information for marketing purposes without your consent.
If
you need more information about our privacy policy, you can call us toll free
at (800) 790-7783. Since New York Life maintains many Web sites, when you
contact us, please specify the site you have comments or questions about.
This
privacy policy takes effect April 1, 2001. You can always review the current
privacy policy from the front page of this site.
Questions and
Answers About Privacy:
·
What
information is collected by this site and how is it used?
·
How
does this site use cookies?
·
What
privacy rules apply when I visit other Web sites?
·
What
security measures does the site maintain to protect my personal information?
·
How
does the site protect children’s privacy?
·
How
can international visitors use the site?
·
How
will I know if the Privacy Policy changes?
·
Our commitment to you
You can use most of this Web site without submitting any personal information. The on-line calculators and information about our products and services can all be accessed without providing any personally-identifiable information about yourself. When you do choose to provide us with information at the site, we will use it in the following restricted ways:
If
you would like to receive any additional information, such as a brochure, you
will need to provide us with your contact information. We will use this
information only to fulfill your request.
This Web site may provide information about careers at New York Life and about becoming a New York Life agent. Should you choose to submit your resume on-line, it will be forwarded to the people responsible for filling the relevant position. No other use is made of this information.
Like many Web sites, we collect limited anonymous information about our users and their systems. When users come to our site, we may collect their IP addresses, browser types, the domain they came from, and their likely country of origin. This anonymous information is aggregated and is not associated with individual users. It is collected to help us analyze usage patterns, improve the site’s overall performance, and provide information useful to our users.
Like
other Web sites, this site uses cookies. A cookie is a small text file
containing a unique identifier that is placed on your computer when you visit
this site. We use cookies to generate meaningful usage statistics by identifying
how many unique visitors entered the site and the specific pages that they
visited. Cookies do not damage your system or files in any way.
Most
browsers recognize when a cookie is offered and allow users to opt-out of
receiving them. If you are not sure whether your browser has this capability,
you should check with the software manufacturer or your Internet Service
Provider (ISP).
This
site provides links to other Web sites, including New York Life subsidiaries
and affiliates, business partners, and third party sites containing information
that we believe you may find useful. When you visit those sites, you will be
operating under their individual privacy policies. We encourage you to carefully
review the respective privacy policies.
What security
measures does the site maintain to protect my personal information?
We
have implemented generally accepted standards of technology and operational
security to protect personally identifiable information collected online from
loss, misuse, alteration, or destruction. All information you supply on the
site is encrypted during transmission and then stored on a secure server.
However, you should be aware that our return e-mail messages to you cannot be
encrypted and thus cannot be considered fully secure. Non-encrypted e-mail can
be intercepted and viewed by other Internet users without your knowledge or
consent.
How does the
site protect children’s privacy?
Our
products and services are not designed for or directed at children 13 years of
age or younger. It is our policy never to knowingly collect or maintain
personal information about anyone 13 years or under.
How can international visitors use the site?
Although
this site only addresses products sold to residents of the United States, we
welcome visitors from other countries. You can review our products and
services, use our calculators, and access articles that may be of interest to
you. As a company based in the United States of America, we operate under
United States laws and regulations and information received from international
users will be stored and processed in the United States.
We
reserve the right to change this privacy policy. If we do so, we will post
notification on this site at least thirty days before the new policy goes into
effect. To ensure you are aware of changes to our policy, we post the effective
date of our policy. No data collected under this privacy policy will be used in
a manner inconsistent with our stated policy, unless we provide you with the
opportunity to tell us you would not like to participate in any programs we may
establish.
We strive to provide you with the most comprehensive source of life insurance and financial products information on the Web. When we ask for personal information of any kind, or give you with the opportunity to supply such information, it is solely to improve our ability to meet your needs and respond to your requests. We will continue to do whatever we can to protect your privacy at our site.
* The New York Life Family of Companies (also
referred to as “the New York Life Family,” “we,” “our,” or “us” throughout
this notice) currently includes the following affiliates and funds:
New York Life Insurance Company New York Life Benefit Services LLC
New York Life Insurance and Annuity Corporation New York Life Trust Company
New York Life International, Inc. New York Life Trust Company, FSB
New York Life Investment Management LLC NYLIFE
Administration Corp.
Eagle Strategies Corp. NYLIFE Distributors Inc.
Eclipse Funds NYLIFE Insurance Company of Arizona
MainStay Funds NYLIFE Securities INC.
MainStay Shareholders Services LLC NYLIM Service Company LLC
MainStay VP Series Fund, Inc. NYLINK