Online Privacy Notice

Personal Information Collection

When you visit the Sites, we may obtain personal information about you in various ways. The types of personal information we may obtain include:

•   Contact information you provide, such as name, postal address, email address and telephone number;

•   Information you submit in connection with requesting a quote or completing an electronic application on the Sites, including contact information, Social Security number, date of birth, gender, medical and health information, and information about your chosen beneficiaries. If you become a policyholder, this information will be handled in accordance with our Customer Privacy Notice;

•  Information you provide to create your online customer service account or producer account, and other account-related information (such as username and password, PIN, security questions and answers, Social Security number, date of birth and Policy Number). We will handle the personal information in your online customer service account in accordance with our Customer Privacy Notice;

•   Information you submit in connection with electronic payments, such as bank account information;

•   Information you submit in connection with reporting a claim on the Sites, including policy number, contact information, Social Security Number and date of birth of you and the deceased, and cause of death;

•   Information you submit in connection with a career opportunity at New York Life, such as contact information, information in your resume, and details about your current employment; and

•   Information contained in content you submit, such as through our “Contact” feature or user experience surveys.

Automated Collection of Data

When you use the Sites, we may obtain certain information by automated means, such as browser cookies, web beacons, device identifiers, server logs, and other technologies. The information we obtain in this manner may include your device IP address, domain name, identifiers associated with your devices, device and operating system type and characteristics, web browser characteristics, language preferences, clickstream data, your interactions with our Sites (such as the web pages you visit, links you click and features you use), the pages that led or referred you to our Sites, dates and times of access to our Sites, email address associated with your Google account if you are signed into Google and provide your email address to us on a form on our website, and other information about your use of our Sites.

A “cookie” is a text file that websites send to a visitor’s computer or other Internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server. We and our third-party service providers may use beacons in emails to help us track response rates, identify when our emails are accessed or forwarded, and for other purposes listed below.

These technologies help us (1) properly identify your computer and remember your information so you will not have to re-enter it, (2) tailor the Sites around your preferences, (3) measure the usability and functionality of the Sites, (4) understand the effectiveness of our communications and ads, (5) generate meaningful usage statistics, such as how many visitors entered the Sites, how they interacted with the Sites and specific pages that were visited, and (6) otherwise manage and enhance the Sites.

You can stop certain types of cookies from being downloaded on your computer by selecting the appropriate settings on your web browser. Most web browsers will tell you how to stop accepting new browser cookies, how to be notified when you receive a new browser cookie and how to disable existing cookies. You can find out how to do this for your particular browser by clicking “help” on your browser’s menu or by visiting www.allaboutcookies.org. Our Sites are not designed to respond to “do not track” signals received from browsers. Please be aware that if you choose to disable cookies or other automated technologies, you may not be able to use all the features of our Sites.

Third-Party Web Analytics Services

Through our Sites, we may obtain information about your online activities over time and across third-party websites, devices and other online services. On our Sites, we use third-party online analytics services, and the service providers that administer these analytics services use automated technologies to collect data (such as email address, IP addresses, cookies and other device identifiers) to evaluate, for example, use of our Sites, to diagnose technical issues and to serve and measure the effectiveness of ads.

Online Tracking and Interest-Based Advertising

Additionally, through our Sites, both we and certain third parties (such as Microsoft Bing) may collect information about your online activities to provide you with advertising about products and services tailored to your individual interests. You may see our ads on other websites because we participate in advertising networks. Ad networks allow us to target our messaging to users considering demographic data, users’ inferred interests and browsing context. These networks track users’ online activities over time by collecting information through automated means, including through the use of browser cookies, device identifiers, server logs, web beacons and other similar technologies. The networks use this information to show ads that may be tailored to individuals’ interests, to track users’ browsers or devices across multiple websites, and to build a profile of users’ online browsing activities. The information our ad networks may collect includes data about users’ visits to websites that participate in the relevant ad networks, such as the pages or ads viewed, and the actions taken on the websites. This data collection takes place both on our Sites and on third-party websites that participate in the ad networks. This process also helps us track the effectiveness of our marketing efforts. To learn how to opt out of this tracking activity, please visit https://www.aboutads.info/choices/ or http://www.networkadvertising.org/choices/.

You can also submit your opt-out preference for this Site by clicking the link titled “Your California Privacy Choices” or “Do Not Sell or Share My Personal Information”, depending on the Site. Please note that if you were redirected to this page from one of our other Sites, you can opt out on the Site you came from by clicking the link on that Site, if available, titled “Your California Privacy Choices” or “Do Not Sell or Share My Personal Information”, depending on the Site. You can also opt out by using the opt-out preference signal on your browser, which we process in a frictionless manner. The opt-out preference signal will apply to your browser. Note that after you opt out, you might still see advertisements from the New York Life Family of Companies that are unrelated to us sharing personal information with third parties. Please also note that your opt-out will apply only to the New York Life Family of Companies Site you are opting out on (unless you use the opt-out preference signal on your browser). If you clear your cache and cookies on your browser, your opt-out will no longer be effective and you will need to opt out again.

How We Use the Information We Obtain

Depending on the type of information collected, we may use the information we obtain through the Sites to:

• Personalize your experience on the Sites;
• Identify and authenticate you so you may use the Sites;
• Create your account;
• Process your payments;
• Determine your eligibility for our products and services;
• Administer our products and services;
• Respond to your inquiries and requests;
• Conduct user experience surveys;
• Provide you information about our products and services;
• Manage career opportunities, including for recruitment purposes (such as processing job applications);
• Operate, evaluate and improve our business (including developing new products and services; enhancing and improving our products and services; analyzing our products and services; managing our communications; measuring the effectiveness of our ads; performing data analytics; and performing accounting, auditing and other internal functions);
• Protect against, identify and prevent fraud and other unlawful activity, claims and other liabilities; and
• Comply with and enforce applicable legal requirements, relevant industry standards, contractual obligations and our policies, including this Online Privacy Notice and the New York Life Terms of Use.

We may use the information we obtain in other ways for which we provide specific notice at the time of collection.

Information Sharing

We do not disclose information we obtain about you through the Sites, except as described in this Online Privacy Notice. We may share your information with our (1) subsidiaries and affiliates (2) service providers who perform services on our behalf, such as data analytics, managing career opportunities, IT functions and other internal support functions and (3) business partners, for the purposes described in this Online Privacy Notice. We do not authorize our service providers or business partners to use or disclose the information except as necessary to perform services or functions on our behalf, or to comply with legal requirements.

We also may disclose information about you (1) if we are required to do so by law or legal process (such as a court order or subpoena); (2) in response to requests by government agencies, such as law enforcement authorities; (3) to establish, exercise or defend our legal rights; (4) when we believe disclosure is necessary or appropriate to prevent physical or other harm or financial loss; (5) in connection with an investigation of suspected or actual illegal activity; (6) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution or liquidation); or (7) otherwise with your consent.

Your Choices

We offer you certain choices in connection with the personal information we obtain about you. To update your preferences, update or correct your information, or submit a request, please contact us as specified in the How to Contact Us section of this Online Privacy Notice.

Other Online Services and Third-Party Features

Our Sites may provide links to other online services and websites for your convenience and information, and may include third-party features such as apps, tools, widgets and plug-ins. These services, websites, and third-party features may operate independently from us. The privacy practices of these third parties, including details on the information they may collect about you, are subject to the privacy statements of these parties, which we strongly suggest you review. To the extent any linked online services or third-party features are not owned or controlled by us, we are not responsible for these third parties’ information practices.

How We Protect Personal Information

We maintain administrative, technical and physical safeguards designed to protect personal information we obtain through the Sites against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.

Children’s Personal Information

The Sites are designed for a general audience and are not directed to children under the age of 13. The Sites do not knowingly collect or solicit personal information from children under the age of 13. If we learn that we have collected personal information from a child under the age of 13, we will promptly delete that information. If you believe that a child under the age of 13 may have provided us with personal information, please contact us as specified in the How to Contact Us section of this Online Privacy Notice.

Updates to Our Online Privacy Notice

This Online Privacy Notice was last updated in January 2025. We may update this Online Privacy Notice periodically and without prior notice to you to reflect changes in our personal information practices. We will indicate at the top of the Online Privacy Notice when it was most recently updated.

How to Contact Us

To update your preferences, update or correct your information, submit a request or ask us questions about this Online Privacy Notice, please contact us by email at privacy@newyorklife.com or write to us at:

New York Life Investments
30 Hudson Street
Jersey City, NJ 07302

*The New York Life Investments Companies (also referred to as “we,” “our,” or “us” throughout this Online Privacy Notice) currently includes the following affiliates and funds:

New York Life Insurance Company
New York Life Insurance and Annuity Corporation
NYLife Investment Management LLC
New York Life Enterprises LLC
Apogem Capital LLC
Ausbil Investment Management Limited
Candriam S.C.A.
Eagle Strategies LLC
Flatiron RR LLC, Manager Series
NYLI ETF Trust
NYLI Active ETF Trust
Kartesia Management SA
Life Insurance Company of North America
MacKay Shields LLC
NYLI CBRE Global Infrastructure Megatrends Term Fund
NYLI MacKay DefinedTerm Municipal Opportunities Fund
NYLI MacKay Muni Opportunities Fund
NYLI Funds Trust
NYLI VP Funds Trust
New York Life Group Insurance Company of NY
New York Life Investment Management Asia Limited
New York Life Trust Company
NYLIFE Distributors LLC
NYLIFE Insurance Company of Arizona
NYLIFE Securities LLC
NYLIM Service Company LLC
NYLINK Insurance Agencies, Inc.
NYL Investors LLC
Tristan Capital Partners