Our information practices
Our policies and procedures protect the privacy of current and former customers.
Types of information we collect
In the normal course of business we collect:
Safeguarding your information
New York Life maintains 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
New York Life 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:
We will never share your health information with third parties for marketing purposes.
IMPORTANT PRIVACY CHOICES
New York Life respects your privacy choices. You have the option to tell us not to share your information as follows:
If you do not want us to share your information in one or both of the ways described above, just call (800) 695-4331.
The choice you make will apply to all the products you 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.
We will follow the privacy law in your state if that law is different than the policy described in this notice.
Informing customers about privacy
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:
|New York Life Insurance Company||MainStay Funds Trust|
|New York Life Insurance and Annuity Corporation||MainStay VP Funds Trust|
|New York Life Investment Management LLC||Private Advisors Alternative Strategies Fund|
|New York Life Enterprises LLC||Private Advisors Alternative Strategies Master Fund|
|New York Life Insurance Company||MainStay Funds Trust|
|Cornerstone Capital Management LLC||Private Advisors, LLC|
|Cornerstone Capital Management Holdings LLC||New York Life Trust Company|
|Eagle Strategies LLC||NYLIFE Distributors LLC|
|Goldpoint Partners||NYLIFE Insurance Company of Arizona|
|Institutional Capital LLC||NYLIFE Securities LLC|
|Madison Capital Funding LLC||NYLIM Service Company LLC|
|MCF Capital Management LLC||NYLINK Insurance Agencies, Inc.|
|MainStay Defined Term Municipal Opportunities Fund||NYL Executive Benefits LLC|
|The MainStay Funds||NYL Investors LLC|
What information is collected by newyorklife.com and how is it used?
You can access information about our products on our site or use the on-line calculators, worksheets, and other site tools without providing any of your personal information. When you do choose to provide us with your personal information at the site, we will use it in the following restricted ways:
Like many websites, we collect limited anonymous information about our users and their systems. When users come to our site, we 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.
How can I review and update my policy or account information and how can I modify information in my Personal Folder?
Virtual Service Center or with our off-line information. This means that if you are a New York Life customer who has also set up a Personal Folder and you would like to change your personal information, you will need to change your information in both sections of the website.
How long will newyorklife.com maintain information about me?
The information you supply in the Personal Folder will be maintained until you decide to discontinue using that functionality or we remove this functionality from our site. In addition, we will maintain the information regarding our policyholders for as long as the policies remain in force and for the legally required time thereafter.
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). Please be aware that if you choose to disable cookies, you will not have access to many beneficial features of our website, including the Virtual Service Center.
Does newyorklife.com use Web Beacons or so-called "Web bugs"?
We employ services, which collect data remotely through the use of Web "Beacons" or tags embedded in newyorklife.com content. These services then return completely anonymous data to New York Life within aggregated website traffic reports. The Web beacons used by these services do not collect, gather, monitor or share any personal information about website visitors. They are merely the technology used to compile anonymous observations about our website's usage and visitor behavior. Web beacons are typically very small, usually 1 by 1 pixel in size, and have no impact on the site's performance.
What privacy rules apply when I visit other websites?
Our site provides links to other websites, including our subsidiaries and affiliates, our 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 personal information collected online from loss, misuse, alteration, or destruction. All personal 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.
New York Life employees follow a company wide security policy. Only authorized personnel are allowed access to personal information collected online and these employees have been trained to safeguard the confidentiality of this information.
How does the site protect children's privacy?
Our site is not intended for children under 13 years of age. We do not knowingly collect or maintain personal information online from, or market online to, children under 13 years of age.
How can international visitors use the site?
New York Life sells its products and services throughout the world. Although newyorklife.com 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.
Our Commitment to You
At New York Life, 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.