Online Privacy Policy

Last Updated: November 4, 2019

Primerica cares deeply about protecting your privacy while providing convenient access to our products and services. This Online Privacy Policy (this "Privacy Policy") explains the types of information we may collect from you when you visit our websites www.primerica.com, www.primericacanada.ca, www.askprimerica.com and www.primericafna.com (collectively, our "Websites"). It also describes our practices for collecting, using and disclosing that information. The terms "Primerica," "we," "us" and "our" refer to Primerica, Inc., Primerica Financial Services, LLC, Primerica Life Insurance Company, PFS Investments Inc., Primerica Shareholder Services, Inc., Primerica Mortgage, LLC, Primerica Client Services, Inc., National Benefit Life Insurance Company, PFSL Fund Management Ltd., Primerica Financial Services (Canada) Ltd., PFSL Investments Canada Ltd., Primerica Life Insurance Company of Canada, and Primerica Client Services Inc., and all affiliates of such entities.

This Privacy Policy applies to information that we collect on the Websites. It does not apply to information collected by us offline or through any other methods, including on any other website operated by us or a third party. Our other websites, such as Primerica Online, may have different online privacy policies. To view the privacy policy for a specific website, please click the Privacy link on that site. This Privacy Policy also does not apply to information collected by any third parties, including through any content or websites that may link to or be accessible from our Websites.
Please read this Privacy Policy carefully to understand our policies and practices regarding your information. By accessing or using our Websites, you agree to this Privacy Policy and our practices for collecting, using and disclosing your information. If you do not agree with our policies and practices, you may not use our Websites. This Privacy Policy may change from time to time, and your continued access or use of our Websites after we make changes is deemed to be acceptance of those changes. Please check this page periodically for updates.

> What kind of information do our Websites collect and how do we collect it?

> Information that you provide to us
The information we collect from you on our Websites may include information that you provide voluntarily by filling out forms on our Websites, records and copies of your correspondence if you contact us, and your search queries on our Websites. Depending on the services and features you access on our Websites, you may be asked to voluntarily provide certain personal information, including your name, telephone number, email address and mailing address, a website with which you are associated (if any), and any other information by which you may be contacted online or offline. We collect this personal information directly from you if and when you provide it to us.

You may also provide information to be published, displayed or posted on public areas of certain Websites (collectively, "User Content"). Any User Content posted on our Websites is available to the general public, and we cannot control the actions of other users of our Websites who may view your User Content. Further, if you delete your User Content from a Website, copies of such content may remain viewable in cached and archived pages or may have been copied or stored by other users of the Website. User Content is posted on our Websites at your own risk.  

> Information that we collect automatically
In addition, we may automatically collect certain information as you navigate through and interact with our Websites. Information collected automatically may include your Internet Protocol (IP) address, the kind and version of your operating system and Internet browser, the date and time of your visit to our Websites, the type of device used, the mobile carrier or Internet Service Provider (ISP) used, the pages and resources that you access and use on our Websites, and other usage details. The technology that we use for such automatic information collection may include cookies and third-party tracking technologies, as described in more detail below.
Cookies (or browser cookies) are small files placed on the hard drive of your computer. You may refuse to accept cookies by changing the settings on your browser. However, if you refuse to accept cookies, you may be unable to access certain parts of our Websites. Unless you have adjusted your browser settings to refuse cookies, our Websites may automatically issue cookies when you direct your browser to our Websites.

We also permit third parties to collect information about your online activities over time and across different websites (also known as "behavioral tracking") for our usage analysis. On our Websites, we use the Google Analytics and Google Tag Manager tools to aid in this process. You can learn more about how Google collects and processes your browsing data by visiting Google's Privacy & Terms disclosures. We currently do not honor or respond to Do Not Track signals.

The information we collect automatically helps us to improve our Websites and deliver a better and more customized service and online experience. Such information enables us to help you navigate our Websites, track your language preferences, estimate our audience size and usage patterns, speed up your searches and otherwise recognize you when you return to our Websites. 

> How does Primerica use your information?
Primerica uses the information that we collect (including personal information) for legitimate business objectives, as allowed by law, including to:

> With whom does Primerica share the information we collect?
We may disclose personal information that we collect to the following:

We may also disclose personal information that we collect to fulfill the purpose for which you provided such information, such as to provide products or services which you request from us, and for any other purpose with your consent. Further, we may disclose your personal information to comply with any court order, law or legal process (including to respond to any governmental or regulatory request), to enforce or apply our Websites' terms and conditions and other agreements, and if we believe that disclosure is necessary or appropriate to protect the rights, property or safety of Primerica, our independent sales representatives, our customers or others.
We may disclose aggregated information about our Websites' users, and other information that does not identify any individual, without restriction.

> How does Primerica protect your information?
We have implemented measures designed to secure your personal information from accidental loss and unauthorized access, use, alteration and disclosure. Unfortunately, however, the transmission of information via the Internet is not completely secure. Unauthorized third parties may unlawfully intercept or access transmissions or private communications. Therefore, although we work very hard to protect your personal information, we cannot guarantee the security of information transmitted to our Websites.
We also urge you to be careful about giving out information in public areas of our Websites, such as when posting User Content (if permitted). All information that you share in public areas may be viewed by any other user of our Websites.

> How is your information protected when visiting a third-party website through a link on Primerica's Websites?
As described above, this Privacy Policy addresses only our collection, use and disclosure of information collected by us on or through the Website. Specifically, it does not apply to the practices of third parties that we do not own, control, employ or manage. If you disclose your information to others, different rules may apply to their use or disclosure of such information. You acknowledge that if you provide information to third parties, that information will be subject to the privacy policies of those third parties, which may differ from this Privacy Policy. We encourage you to ask questions before disclosing your information to others.
By linking to a website not owned or operated by Primerica (a "Third-Party Site"), Primerica is not endorsing its content, products, services or security and is not responsible for its adequacy, accuracy, legality or any other aspect of the Third-Party Site, including its privacy policies. Primerica is also not responsible or liable for any damage, loss or breach of personal information security caused by your use of the Third-Party Site. All concerns, issues or questions regarding the usability or functionality of the Third-Party Site should be directed directly to the Third-Party Site operators.

> Are children under age 13 allowed to use Primerica's Websites?
For U.S. residents:  Our Websites are not intended for children under 13 years old. We do not knowingly collect personal information from children under 13, and no one under age 13 is authorized to provide any information to the Websites. If you are under 13, do not use or provide any information on our Websites, register on the Websites, use any of the interactive or public comment features of our Websites or otherwise provide any information about yourself to us, including your name, address, telephone number or email address. If we learn that we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe that we might have any information from a child under 13 years old, please contact us.

> How does Primerica provide notification of changes to this Privacy Policy?
We may change our Privacy Policy from time to time. If we do, we will post the revised version on this page in place of this version. All new versions of this Privacy Policy automatically take effect when they are posted on this page. Checking the "Last Updated" date at the top of this Privacy Policy allows you to determine if this Privacy Policy has been revised since the last time you reviewed it.
Our collection, use and disclosure of information collected on our Websites is subject to the Privacy Policy in effect at the time such information is collected. You are responsible for periodically visiting this page to check for any changes.

> How do you learn more or contact us with questions?
If you have any questions about this Online Privacy Policy, please contact us at these toll-free phone numbers: 1-800-770-0673 (U.S.) or 1-800-387-7876 (Canada).  You can also view other Primerica privacy policies at the following links: