Online Privacy Statement

Effective Date: 4/30/2024

This Online Privacy Statement (“Statement”) applies to this website and the websites of IUL & Annuity Experts entities listed in the Contact Us section below (collectively “IUL & Annuity Experts,” “we,” “us,” or “our”) that link to this Statement (the “Online Services”). We understand that the privacy and security of your information is important to you. This Statement describes how we collect, use, and share your information.

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

From time to time, we may clarify, revise, or update this Statement. This may include making changes to the way we collect, maintain, and store information. If we make any changes to this Statement, we will revise the effective date at the top of the Statement. Changes to this Statement will be effective once they are posted.

Information We Collect

We collect different types of information for our business purposes from the following sources:

Information You Provide. We collect information that you provide to us through the Online Services, surveys, and other communications. We may collect information from entities you have requested or authorized to provide information to us in connection with the purchase or maintenance of a Product. For example, we may collect information through the Online Services when you:

• purchase or request a quote for a Product;

• register for, manage, or update a Product;

• use our e-Billing services or manage your online account and investment options through the Online Services;

• use Online Service tools, calculators, and other resources that request your, your family’s, or your beneficiary’s information;

• access other applications and services from the Online Services, such as when you apply for a job or use the Locate an Agent function;

• subscribe to newsletters or other communications from us;

• provide feedback, request information, or otherwise contact us through the Online Services;

• participate in social media platforms where IUL & Annuity Experts maintains a presence, such as Facebook, Twitter, and LinkedIn, or when you make information available to us and others via social media or via forums, blogs, email lists, chat rooms, or other similar technologies;

• participate in surveys, sweepstakes, or other promotions;

• conduct searches through the Online Services; and/or

• otherwise share information about yourself through the Online Services or authorize a third party to share such information about you with us.

We may collect the following information as reasonably required to complete a request, provide a Product, support your efforts to obtain a Product from companies or insurers we may represent, or complete a transaction on your behalf: first and last name, home or other physical address, telephone number, email address, other identifiers that permit an individual to be contacted physically or online, date of birth, Product numbers, data about transactions with us or those we represent (such as account balances, coverages and benefits, and payment and claims history), education information, professional information, employment information, medical and health information, banking information, credit card number and other financial information, government identification (such as social security or other tax identification, driver’s license, or passport numbers), age, race, disability status, criminal history, marital status, gender, security credentials (such as passwords or voiceprints), and other information.

Information Collected Automatically. We may collect information automatically using data collection technology, such as cookies, web beacons, pixel tags, or other similar current and future technologies as they develop (the “Data Technology”). We may have access to information automatically collected by Data Technologies across our websites and third-party websites and mobile applications, or as compiled by our Advertising Partners, described below.

When you use mobile devices to access our websites, we may receive information about your location and your mobile device. This may include a unique identifier for your device, device settings, analytical information about how you use your mobile device, and other information that may be stored on or accessed through your mobile device. In some cases, we may receive information from mobile applications not operated by us or from other devices connected to your mobile device.

Notice of Monitoring of Services. We and our third-party vendors and partners may monitor visits to our websites and mobile applications, including sessions of users. This monitoring may log details of your visits to our websites and mobile applications, including clicks, page visits, text entered, time spent on a page, page views, information you submit, communications, and other visit details. The Data Technology described above (see “Information Collected Automatically”) may be used to collect and retain usage data for the purposes described in this Statement, including for marketing, analytics, and security purposes, and to improve your experience on our websites and mobile applications.

Additionally, if you engage with chat functionalities that may be offered on our websites, your conversations via our chat functionalities may be retained by us and our vendors for our business purposes. This can include any interaction between you and our chat technologies, information you input into chats, and the conversations you have through our chat functionalities.

Information from Other Sources. We may collect information about you from third-party sources, including from individuals authorized to sell products or services on our behalf (including brokers and insurance agents) or on behalf of companies we represent, commercially available sources such as credit reporting agencies, data brokers, or other companies that collect or analyze information about consumers or users.