California Residents: California Consumers Privacy Act (CCPA) Notice
Canada Residents: Canada Privacy Code

Online Privacy Policy

Last Updated: September 2024

Primerica cares about protecting your privacy while providing convenient access to our products and services.

What this policy covers
This Online Privacy Policy (this "Privacy Policy") explains the types of information we may collect from you when you visit our websites, mobile applications, emails, and other online services that link to this Privacy Policy (collectively, our “Online Services”). It also describes our practices for collecting, using and disclosing that information and explains your privacy rights and choices. Our Online Services are intended for U.S. and Canadian audiences. The terms "Primerica," "we," "us" and "our" refer to Primerica, Inc and its subsidiaries and agents.

What this policy does not cover
This Privacy Policy does not apply to information collected by us offline or through any other methods, including non-Primerica companies. Our other online services, such as Primerica Online, may have different privacy policies. To view the privacy policy for a specific online service, please click the Privacy link on that site or application. This Privacy Policy also does not apply to information collected by any third parties, including through any content, websites or applications that may link to, or be accessible from, our Online Services.

Privacy Policy Agreement to use Primerica’s Online Services
Please read this Privacy Policy carefully to understand our policies and practices regarding your information. By accessing or using our Online Services, 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 Online Services.

Updates to this Privacy Policy
This Privacy Policy may change from time to time, and your continued access or use of our Online Services after we make changes is deemed to be acceptance of those changes. Please check this page periodically for updates.

How does Primerica collect information online?
We collect information about you in a variety of contexts. For example, we may collect information:

Directly from you. We and others on our behalf may collect information directly from you when you use our Online Services. We may combine that information with information we collect in other contexts, such as from our phone calls and communications with you. We will treat such combined information in accordance with this Privacy Policy.

Automatically when you use our Online Services. We and others on our behalf may collect Device Data, Online/Mobile Activity Data, and other information automatically when you interact with us online. Learn more about our use of Online Tracking Technologies.

What kind of information does our Online Services collect and how do we collect it?
> Information that you directly provide to us

Depending on the services and features you access on our Online Services, you may be asked to voluntarily and knowingly provide certain personal information, including your name, telephone number, email address and mailing address, the state or province in which you are located, your preferred language, a website with which you are associated (if any), and any other information by which you may be contacted online or offline.
If you register for an account on MyPrimerica, we may ask you to provide certain personal information to identify you and your products. This information may include your name, email address, country, Social Security number or Social Insurance number, policy number or account number, postal code, date of birth, phone number, and the password you create during registration.
The information we collect from you on our Online Services may include information that you provide voluntarily by filling out forms on our Online Services (including when requesting further information or services from us), information that you provide when you provide feedback or report a problem with our Online Services, records and copies of your correspondence if you contact us, details of transactions that you carry out on our Online Services, and your search queries on our Online Services.
You may also provide information to be published, displayed or posted on public areas of certain Online Services (collectively, "User Content"). Any User Content posted on our Online Services is available to the general public, and we cannot control the actions of other users of our Online Services who may view your User Content. Further, if you delete your User Content from our Online Services, copies of such content may remain viewable in cached and archived pages or may have been copied or stored by other users of the Online Services. User Content is posted on our Online Services at your own risk.
We collect all the above information directly from you if and when you provide it to us.

> Information that we collect automatically
We may automatically collect certain information to help provide and im prove our Online Services and deliver a better and more customized service and experience. Such information enables us to help you navigate our Online Services, track your language preferences, estimate our audience size and usage patterns, recognize you when you return to our Online Services to help optimize your experience. Information collected automatically may include:

Device Data, such as your Internet Protocol (IP) address, the operating system type and version, and Internet browser, the type of device used, the mobile carrier or Internet Service Provider (ISP) used, coarse location, cookies, device IDs, and other usage details (collectively, “Device Data”).

We may also track information such as login data, the date and time of your visit to our Online Services, information about how you use and interact with our Online Services or, when and how often you use our Online Services, and crash reports (collectively, “Online/Mobile Activity Data”).

Survey and research data, such as your voluntary responses to questionnaires, surveys, requests for feedback, and research activities.

> What Online Tracking Technology does Primerica use?
We and third-party providers acting on our behalf use a variety of online tools and technologies to collect information when you visit or use the Online Services, including Device Data and Mobile/Online Activity Data. For example, we use these tools to collect information for debugging, fraud prevention, session management, and other necessary purposes. We also permit certain third parties to collect information about your online activities over time (also known as "behavioral tracking") for our usage analysis. These online tools include:

Analytics. We and our third-party providers use online tracking technologies to engage in data analytics, auditing, measurement, research, reporting, debugging, and to measure the performance of our Online Services. For example, we use Google Analytics and Google Tag Manager with our Online Services for such purposes.

You can learn more about how Google collects and processes your data by visiting Google's Privacy & Terms disclosures. Primerica does not track its users over time and across third-party websites to provide targeted advertising and therefore does not respond to Do Not Track signals. The Google Analytics User ID feature on MyPrimerica permits us to automatically map the internal customer ID we have stored for our clients (if any) with our Google Analytics platform in order to more accurately match the same client's use of MyPrimerica across different devices.

Cookies. Cookies (browser or mobile cookies) are small files placed on the hard drive of your computer or mobile device. It may be possible to refuse certain cookies by changing the settings on your browser or mobile device. However, if you refuse to accept cookies, you may be unable to access certain parts or features of our Online Services. Unless you have adjusted your settings to refuse cookies, we may automatically issue cookies when you access our Online Services.

Primerica does not track its users over time and across third-party websites to provide targeted advertising and therefore does not respond to Do Not Track signals.

Server logs. Server logs automatically record information and details about your online interactions with us. For example, server logs may record information about your visit to our website on a particular time and day.

Session Replay. We also sometimes use session replay technology with Dynatrace Session Replay tool. This tool enables us to record user sessions on our website and replay your journey. Session Replay may include your view (browser or screen output) and user input (keyboard and mouse inputs, mobile gestures). Its main purpose is to identify problems in the application for user support purposes, particularly when you encounter an error or failure. It can also be used to help improve user experience and to identify obstacles in conversion processes on our Online Services. Session Replay is configured in such a way that it will mask data entered in certain fields (like name, credit card number, health condition) to prevent personal data from being stored.

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

present our Online Services and their contents to you;
respond to your requests related to our products and services and provide products, services and other information that you request from us. For example, if you provide your name and contact information (such as your telephone number, address or email address) when asking for a life insurance policy quote or for more information about becoming a Primerica Representative, we will use such personal information to contact you and provide the information you have requested;
send you notices about your MyPrimerica account, including notifying you about updates to MyPrimerica and changes to any services we offer or provide through it;
contact you about information related to our own and our third-party partners' products and services that may be of interest to you;
evaluate and improve the performance of our Online Services;
personalize and improve your experience when using our Online Services;
detect and prevent fraud or other illegal or prohibited activity;
comply with applicable laws and regulatory obligations;
carry out our obligations and enforce our rights arising from any contracts between you and us;
fulfill any other purpose for which you provide such information; and
fulfill any other purpose with your consent.

> With whom does Primerica share the information we collect?
We may disclose personal information that we collect to the following, as permitted by law:

our affiliates;
Primerica's independent sales representatives;
third-party contractors, service providers and consultants that we use to support our business. These third parties are bound by contractual obligations to keep personal information that we share with them confidential and use it only for the purposes for which we disclose such information to them;
our third-party partners to market their own products and services to you; and
a buyer or other successor in the event of a merger, reorganization or similar event in which personal information held by Primerica about our Online Services' users is among the assets transferred.

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, for any other purpose disclosed by us when you provide the information, and for any other purpose with your consent. Our privacy notices with respect to our customer's nonpublic personal, financial and health information, and options for limiting use and disclosure of that information, are available on our Privacy page under U.S. GLBA Privacy Notices and Canada Privacy Notice.

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 Online Services' terms and conditions and any other agreements between you and us, 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 Online Services' users, and other information that does not identify any individual, without restriction.

> How can you access and change your information?
If you have registered for an account on MyPrimerica, you can review and change some of your personal information by signing into MyPrimerica and accessing the Account Settings feature. You may also change your user ID or password for your MyPrimerica account by selecting either the Forgot User ID or Forgot Password links on the MyPrimerica sign in page and follow the instructions on the screen.

Please note, however, that we may refuse to accept a change to your personal information if we believe the change would violate any law, our policies, or would cause the information to be incorrect.

> 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 in compliance with applicable laws.

The security of your information also depends on you. For example, a user ID and password are required for access to MyPrimerica, and you are responsible for keeping your user ID and password confidential. You agree not to share your user ID or password with any other person, and we are not responsible for any breach of the security of, or unauthorized access to, your personal information caused by your failure to maintain the confidentiality of your user ID or password (including any breach of or unauthorized access to information about the products or services purchased by you which is accessible using MyPrimerica). You must notify us immediately in the event of any loss or theft of your user ID or password, if you believe that your user ID or password has been compromised in any way, or if you learn or become aware of any potential or actual unauthorized use of MyPrimerica under your account. Visit our Information Security page for more information about our commitment to security and tips about how to protect yourself online.

We also urge you to be careful about giving out information in public areas of our Online Services, 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 Online Services.

> How is your information protected when visiting a third-party website through a link on Primerica's Online Services?
As described above, this Privacy Policy addresses only our collection, use and disclosure of information collected by us on or through the Online Services. 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 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 Online Services?
For U.S. residents: Our Online Services 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 Online Services. If you are under 13, do not use or provide any information on our Online Services, register on the Online Services, use any of the interactive or public comment features of our Online Services 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 collected or received 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 Online Services 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.

> Do you have additional rights under California privacy law?
If you are a California resident, California law may provide you with additional rights related to your personal information. To learn more about such rights, please visit our California Consumers Privacy Act (CCPA) Notice.

> How do you learn more or contact us with questions?
If you have any questions about this 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 site:
https://www.primerica.com/public/privacy/privacy_notices.html.