Customer privacy notice.

NEW YORK LIFE CUSTOMER PRIVACY NOTICE
 (Last Updated: January 2020) 

OUR INFORMATION PRACTICES

This Privacy Notice applies to information collected in connection with financial products or services you obtain or seek to obtain from members of the New York Life Family of Companies* that are subject to the Gramm-Leach-Bliley Act.

TYPES OF INFORMATION WE COLLECT

In the normal course of business we collect:

• Information requested on applications and other forms (including name, address, email address, phone number, date of birth, Social Security number, and financial and household information);
• Data about your transactions (such as the products you purchase and your account status);
• Information from outside sources, such as public information;
• Information gathered from our Web sites, such as through online forms, site visit data and internet collection devices ("cookies");
•  Information collected from consumer reporting agencies; and
• Health information collected with your permission when you apply for products like life insurance or long-term care insurance.

SAFEGUARDING YOUR INFORMATION

We maintain physical, electronic and procedural safeguards that meet state and federal regulations. Access to customer information is limited to people who need the information to perform their job responsibilities. We regularly update and improve our security standards, procedures and technology to protect against unauthorized access to your confidential information.

HOW WE USE YOUR INFORMATION

We may share the information we collect about you as allowed by law, including for normal business administration and related business services. The information may be shared:

• Within the New York Life Family of Companies; and
• With non-affiliates, such as banks, third parties that perform research and marketing functions for us or service providers that help us process transaction or service your accounts. Our service providers may include New York Life agents, billing, printing and mail service companies.
• If you are an investment advisory services customer, we may share your information with third parties who help us service your investment and financial planning needs.

We may disclose the information we collect about you when required or permitted by law, such as to:

• Respond to a subpoena;
• Prevent fraud and other crimes;
• Comply with legal requirements; or
• Respond to a government inquiry.

WE WILL NEVER SHARE YOUR HEALTH INFORMATION WITH THIRD PARTIES FOR MARKETING PURPOSES.

IMPORTANT PRIVACY CHOICES

We respect your privacy choices. Customers who have purchased products or services from the New York Life Family of Companies have the option to tell us not to share information as follows:

• Within the New York Life Family of Companies to let you know about our products and services. The information we share may include your contact information, household and financial information, and information about your transactions with us.
• With non-affiliated companies with which we have joint agreements, such as banks, credit card issuers and online services, to offer you their products and services. The information we share may include your contact information and information about your transactions with us.
• With your agent and his or her new company if your agent leaves the New York Life Family of Companies. The information we share may include your contact information and information about your New York Life Family products so that your agent can continue to service your needs.

If you do not want us to share your information in any of the ways described above, just call (800) 695-4331.

The choice you make will apply to all the products your purchased from the New York Life Family of Companies. If one joint owner tells us not to share information, that choice will also apply to the other owner(s). If you have already told us of your choices, there's no need to call again.

The accuracy of your information is important to us.  You have the right to access and seek correction of your information, and we will respond to your request in accordance with applicable law.  We will follow the privacy law in your state if that law is different than the policy described in this Privacy Notice.

INFORMING CUSTOMERS ABOUT PRIVACY

This Privacy Notice was last updated in January 2020. Customers will receive our Privacy Notice at least once a year, as long as they are a policyholder or client. You can receive additional copies of our Privacy Notice on our website (www.newyorklife.com) or you can write to:

New York Life
P.O. Box 6916
Cleveland, OH 44101

You can also call us toll free at (800) 695-4331.

*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: