Online Privacy Statement

Effective Date: November 11, 2021

This Online Privacy Statement ("Statement") applies to this website and the websites of World Financial Group entities listed in the Contact Us section below (collectively referred to as “WFG,” “we,” “us,” or “our”) that link to this Statement (the “Online Services”). We recognize the importance of your privacy and the security of your information. This Statement explains how we collect, use, and share your information.

This Statement does not cover information collected through other means, third-party websites or applications we may link to, or the handling of deidentified or anonymous data. Additionally, depending on how you interact with us and the products and services (“Products”) you use, additional privacy policies, including third-party policies, may apply.

We may update this Statement from time to time, including changes to how we collect, store, and manage information. If changes are made, we will revise the effective date at the top of the Statement. Updates take effect once posted.

Information We Collect

We gather various types of information from the following sources for business purposes:

1. Information You Provide: This includes information you give to us through the Online Services, surveys, and other communications. For example, you may provide information when you:

   • Request a quote or purchase a Product

   • Register for or manage a Product

   • Use e-Billing services or manage online accounts

   • Use calculators, tools, or resources requesting your or your family’s information

   • Interact with other services such as applying for jobs or locating an agent

   • Subscribe to newsletters or contact us via the Online Services

   • Participate in social media platforms, surveys, or promotions

   • Conduct searches through the Online Services

   • Share information about yourself or authorize third-party data sharing.

The types of information we may collect include, but are not limited to, your name, address, phone number, email, date of birth, Product details, account balances, transaction data, Social Security number, financial information, health and medical data, and other personal identifiers.

2. Information Collected Automatically: We may automatically collect data using technologies like cookies, web beacons, and pixel tags. This can include your IP address, device settings, browser type, and operating system. We may also gather information about how you interact with our Online Services, such as the pages you visit, features you use, and your activity on third-party websites linked to ours.

3. Information from Other Sources: We may also receive information about you from third parties, such as independent insurance agents, data brokers, or other authorized sources.

How We Use the Information We Collect

We use the collected information to support our business operations, including:

• Managing Products and providing customer support

• Evaluating eligibility for Products

• Communicating with companies we represent

• Conducting research and analyzing marketing trends

• Developing and pricing new Products or services

• Providing tailored marketing and communications

• Complying with legal obligations

• Preventing fraud and enhancing security

• Conducting audits and providing transaction reporting.

Information Sharing and Disclosure

We may share your information under the following circumstances:

• With affiliates, service providers, or payment processors involved in delivering our services.

• As part of a merger, acquisition, or transfer of assets.

• To comply with legal requirements, such as court orders or regulatory requests.

• With social media platforms, analytics providers, and advertising partners.

• For other lawful purposes, as permitted or with your consent.

Your Communication Choices

You have options regarding how we communicate with you:

• You can disable Data Technologies or location services in your browser or device settings.

• You may opt out of marketing emails by following the unsubscribe link.

• If you created an online account, you may access or correct your information.

Your Privacy Rights

Depending on your location, you may have additional privacy rights, such as accessing or correcting your personal information, requesting data deletion, or opting out of certain data processing activities. Please refer to specific rights under laws such as the California Consumer Privacy Act (CCPA) and the Canadian privacy regulations.

Children’s Privacy Rights

Our Online Services are not intended for children under the age of 13.

Security

We use a variety of security measures to protect your personal information from unauthorized access or disclosure. However, no system can be guaranteed to be completely secure.