What does F&G do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number
- Medical information
- Account transactions
- Investment experience
When you are no longer a customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons F&G chooses to share and whether you can limit this sharing.
|Reason we can share your personal information||Does F&G share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our marketing purposes – to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||No||We don’t share|
|For our affiliates' everyday business purposes – information about your transactions and experiences||Yes||No|
|For our affiliates' everyday business purposes – information about your creditworthiness||No||We don’t share|
|For nonaffiliates to market to you||No||We don't share|
Who are we and who is providing this notice?
F&G refers to:
- Fidelity & Guaranty Life Insurance Company, Des Moines, IA
- Fidelity & Guaranty Life Insurance Company of New York, New York, NY
What we do
How does F&G protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does F&G collect my personal information?
We collect your personal information, for example, when you
- Apply for insurance
- Pay insurance premiums
- File an insurance claim
- Give us your income information
- Tell us about your investment or retirement portfolio
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
- Sharing for affiliates' everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial
Fidelity & Guaranty Life shares information with F&G Business Services Inc. for everyday business purposes.
Companies not related by common ownership or control. They can be financial and
F&G does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market
services to you.
F&G does not jointly market.
Personal Information We Collect, Use, Disclose, or SellCategories of Personal Information We Collect, Categories of Sources of Personal Information, Business or Commercial Purposes for Which Personal Information Will Be Used, and Third Parties with Whom Personal Information is Shared
We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). Within the last twelve (12) months, we collected the following categories of personal information from the sources identified below for the business and commercial purposes indicated, and shared such categories of personal information with the specified categories of third parties:
|Category of Personal Information||Collected||Sold||Disclosed||Sources of Personal Information||Business or Commercial Purpose(s) for which used||Third Parties Shared With, If Any|
|Identifiers: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number or other similar identifiers.||Yes||No||Yes||Website visitors via portions of the website that permit uploading of questions, comments or other material||To provide you with information that you request from us.||No|
Disclosure or Sale of Personal Information for a Business or Commercial Purpose
In the preceding twelve (12) months, the Company has disclosed internet or other electronic network activity information to provide support, personalize, and develop our website. The Company does not sell personal information.
Your Privacy Rights
Right to Know
You have the right to request that we disclose to you personal information we collect, use, or disclose about you.
To make a disclosure request you can contact us at email@example.com or call 888.513.8797. You may make up to two requests in any 12-month period.
We do not sell your personal information.
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
Making a verifiable consumer request does not require you to create an account with us.
To make a verifiable consumer request, you must request, complete and submit appropriate documentation providing such information that may be used to independently verify your identity.
We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Right to Request Deletion
You have the right to request that we delete your personal information. To make a such a request you can contact us at firstname.lastname@example.org or call 888.513.8797.
Using an Authorized Agent
You may use an authorized agent to submit a “request to know” or “request to delete.” To use an authorized agent, you will need to (i) provide written instruction to your agent and verify your identity to us or (ii) provide a power of attorney pursuant to California Probate Code Sections 4000 to 4465.
You should be aware, however, that California law allows us to retain your personal information under certain conditions, even if you have asked us to delete it, such as when retaining your personal information is necessary for us to complete a transaction with you or provide you with a good or service you have requested. We will notify you of any denial of your deletion request and the reason for such denial.
Right to Non-Discrimination for Exercise of Consumer Privacy Rights
We will not discriminate against you because you have chosen to exercise any of your privacy rights described above.
If you have questions about this policy, please contact us at:
Address: Fidelity & Guarantee Life Insurance Company
Attn: Privacy Officer
Two Ruan Center
601 Locust Street
Des Moines, IA 50309
This Privacy Notice at Collection applies to personal information of California residents to the extent the information is subject to the California Consumer Privacy Act of 2018 (CCPA) and is provided by F&G and its subsidiaries (the “Company”). This notice does not apply to personal information collected pursuant to (i) the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act; or, (ii) certain medical and health information covered by HIPAA.
Personal Information We Collect
We collect information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). We may collect the following categories of your personal information for the following business or commercial purpose(s):
|Category of Personal Information||Examples||Business or Commercial Purpose(s) for Which Used|
|Identifiers:||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number or other similar identifiers||To provide you with information that you request from us.|
The Company does not sell your personal information.
Please visit our website, fglife.com, for further information about personal information we collect and your rights under the California Consumer Privacy Act of 2018.
If you have questions about this policy, please contact us at:
Address: Fidelity & Guarantee Life Insurance Company
Attn: Privacy Officer
Two Ruan Center
601 Locust Street
Des Moines, IA 50309
1. What Information Does F&G Collect?
We collect information from you in several ways, including when you choose to share information with us by entering it through our Website and by using automated processes.
(a) Information You Provide to Us
We may ask you and you may choose to provide certain personal information to us, such as your first and last name, age, email address, mailing and billing address, citizenship status, gender, ethnicity, veteran status, work history, investment information, Social Security number, and disability status. We may collect this information in various places, including account registration forms, job application forms, “contact us” forms or in other parts of the Website.
(b) Automated Information Collection
We may automatically collect certain information when you visit or use the Website. This information may include your IP address (or other unique device identifier, including one that we may assign); certain details about your browser, operating system, and hardware; your location, if available; the URL that referred you to the Website; your activities on the Website, including your preferences; and other logging information, such as the date and time of your visit. We may use a variety of tracking technologies to automatically collect information, such as cookies, web beacons, embedded scripts, browser fingerprinting, GPS, iBeacons, and ETags (or “entity tags”). A cookie (or “locally shared object”) is a data file placed on your device when you visit the Website. Your browser, or other software (including Adobe Flash), may allow you to reject or remove cookies, but if you do so, some features of the Website may not work properly, and we may not be able to remember your preferences the next time that you visit. We also use web server logs to collect and store information about Website usage. When you use our mobile applications or visit the Website from a mobile device, like a smartphone, we may also collect additional information from your device, including your location, device identifier, and information about your mobile network.
(c) Analytics Websites and Targeted Ads
We may use third-party analytics services such as Google Analytics. These services may track details about your online activities over time and across different sites. These services help us to improve the Website. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities. If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.You can also opt out of data collection by Google Analytics across all websites.
2. How Does F&G Use the Information That It Collects?
3. How and When Does F&G Share Information With Third Parties?
(a) Co-Branded Areas
We may provide certain parts of the Website in association with third parties, such as promotional partners. These “co-branded areas” will identify the third party. If you choose to use these co-branded areas, we may share your information with the identified third party, and that third party may also collect information from you, in addition to the information that we collect, as described above. You should review the privacy policies of those identified third parties to understand how they collect and use information.
(b) Direct Marketing Partners and Your Choices
We may share the information that we collect, including your name, email address, mailing address or other details, with third parties for direct marketing purposes. If you would prefer that we not share information about you with such third parties for direct marketing purposes, you may opt-out by sending an email to email@example.com When making such a request, please include enough information in your request to help us identify you in our records, such as your name, account name, email address and mailing address.
(c) Interactions with Other Sites and Websites
The Website may allow you to use your account from other online services, including social media providers like Facebook and Google. If you use accounts from other services on the Website, those third parties may share information about you with us, and we may share information that we collect with them. The Website may also include features from third parties that allow you to interact with other online services, including social media. For example, we may use third parties to allow you to send messages, tweets or make postings on social media sites, like Facebook. If you use these features, then we may share information about you with those third parties, and they may collect additional information. You should review the privacy policies for such third parties to understand how they collect and use information.
(d) Links to Third-Party Sites
The Website may include links to third-party websites or other online services. We are not responsible for these other sites and services, and they may collect and use information about you. You should review the privacy policies for such third parties before using their sites or services to understand how they collect and use information.
(e) Third-Party Tracking and Do Not Track
4. How Do Users Update Their Information?
The Website may allow you to update the information that we collect from you, such as the contact information that you provide when you register for an account. You may also request that we update your information by sending an email to us at firstname.lastname@example.org. The Website may also allow you to update your email preferences. If you would prefer not to receive email newsletters or other messages from us, you may use the “unsubscribe” features that are included in such messages or contact us at email@example.com.
5. How Does F&G Protect Your Information?
We use commercially reasonable and industry standard security technologies and safeguards to protect the information that we collect and use. We also expect our service providers to protect information in the same manner. However, no data transmission over the internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us.
6. California Privacy Rights
(a) CCPA Notice
(b) Shine The Light
We may from time to time elect to share certain information about you collected by us on the Website with third parties for those third parties’ direct marketing purposes. California Civil Code Section 1798.83, unless the exemption provided by subsection (h) for certain financial institutions applies, permits California residents who have supplied personal information, as defined in the statute, to us, under certain circumstances, to request and obtain certain information regarding our disclosure, if any, of personal information to third parties for their direct marketing purposes. If this applies, you may obtain the categories of personal information shared and the names and addresses of all third parties that received personal information for their direct marketing purposes during the immediately prior calendar year and/or request to opt-out of such future sharing. To make such a request, please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a California resident and provide a current California address for our response. You may make this request in writing at firstname.lastname@example.org.
7. Connecticut Policy for Confidentiality of Social Security Numbers
Connecticut law requires any person or entity that collects Social Security numbers from Connecticut residents in the course of business to create a privacy protection policy and to publish or display it publicly.
It is the policy of F&G to protect the confidentiality of Social Security numbers in its possession from misuse and improper disclosure by maintaining and enforcing policies and physical and electronic safeguards against misuse and improper disclosure. Unlawful disclosure of Social Security numbers is prohibited, and access to them is limited to individuals and services at F&G that need access to such information for the purpose for which it was originally provided.
8. What If I Live Outside of the United States?
The Website is operated in the United States and intended for users located in the United States. The privacy and data protection laws in the United States differ from those of other countries. If you are located outside of the United States, please be aware that the information that we collect will be transferred to and processed, stored, and used in the United States, and that by using the Website, you consent to such transfers and processing.
9. What About Children’s Privacy?
Our sites and applications are intended for general audiences, and we do not knowingly seek or collect personal information from children under the age of eighteen (18). In accordance with the Child Online Privacy Protection Act, in the event that we learn that we have collected personal information from a child under age thirteen (13) without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any personal information from or about a child, please contact us at email@example.com.
11. How Do I Contact F&G About The Website?
If you have any questions or comments on the Website or become aware of misuse of the Website by any person, please contact us at firstname.lastname@example.org.
Effective: January 1, 2020