Questions and answers about privacy at www.nylss.com

We know that keeping your personal information private is important to you. That's why the New York Life Family of Companies*, including New York Life Structured Settlements, a division of New York Life, wants you to know how we protect the information you share with us and the measures we take to safeguard your information.

We have built our business on a foundation of integrity, honesty, and trust. These values are reflected in our longstanding commitment to protect your privacy.

What information is collected by nylss.com and how is it used?

Like many Web sites, 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.

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How long will nylss.com maintain information about me?

We will maintain the information regarding our policyholders for as long as the policies remain in force and for the legally required time thereafter.

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How does nylss.com use cookies?

Like other websites, nylss.com uses cookies. A cookie is a small text file containing a unique identifier that is placed on your computer when you visit our site. Cookies are used to store information so that our server can properly identify your computer. We also use cookies to generate meaningful usage statistics, for example, how many visitors entered the site, and/or specific pages that were visited. In order to protect your privacy, no personal information of any kind is stored. Cookies do not damage your system or files in any way.

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 Web site, including the Virtual Service Center.

We also use cookies to help us develop tailored advertisements for you on third party web sites. This service is provided by third party advertising companies (“network advertisers”) that help us track user activity on our site and identify other sites our users have visited that are also associated with the network advertisers. No user personal information is shared with network advertisers or stored by the cookie. You can opt-out of having these network advertisers track your browser activity, by going to http://www.google.com/privacy/ads/.

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Does nylss.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 nylss.com content. These services then return completely anonymous data to New York Life within aggregated web site traffic reports. The Web beacons used by these services do not collect, gather, monitor or share any personal information about web site visitors. They are merely the technology used to compile anonymous observations about our web site’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.

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What privacy rules apply when I visit other Web sites?

Our site provides links to other Web sites, 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.

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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.

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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.

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How can international visitors use the site?

New York Life sells its products and services throughout the world. Although nylss.com only addresses products sold to residents of the United States, we welcome visitors from other countries. 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.

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How will I know if the site changes its Privacy Policy?

New York Life reserves the right to change this privacy policy. If we do so, we will post notification on the site at least thirty days before the new policy goes into effect. To ensure you are aware of changes to our policy, we post the effective date of our policy. No data collected under this privacy policy will be used in a manner inconsistent with our stated policy, unless we provide you with the opportunity to tell us you would not like to participate in any programs we may establish.

This material is for informational purposes only. Neither New York Life nor its agents provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

EOE M/F/D/V