California Residents: California Consumers Privacy Act (CCPA) Notice

Online Privacy Policy

Last Updated: September 2021

Primerica cares about protecting your privacy while providing convenient access to our products and services. This Online Privacy Policy (this "Privacy Policy") explains the types of information we may collect from you when you visit our websites www.primerica.com, www.primericacanada.ca, www.my.primerica.com ("MyPrimerica"), www.askprimerica.com, www.primericafna.com and www.livemore.net (collectively, our "Websites"). It also describes our practices for collecting, using and disclosing that information. The terms "Primerica," "we," "us" and "our" refer to Primerica, Inc., Primerica Financial Services, LLC, Primerica Life Insurance Company, PFS Investments Inc., Primerica Shareholder Services, Inc., Primerica Mortgage, LLC, Primerica Client Services, Inc., National Benefit Life Insurance Company, PFSL Fund Management Ltd., Primerica Financial Services (Canada) Ltd., PFSL Investments Canada Ltd., Primerica Life Insurance Company of Canada, and Primerica Client Services Inc., and all affiliates of such entities.

This Privacy Policy only applies to information that we collect on the Websites. It does not apply to information collected by us offline or through any other methods, including on any other website or application operated by us or a third party. Our other applications or websites, such as Primerica Online, may have different privacy policies. To view the privacy policy for a specific website or application, please click the Privacy link on that site. This Privacy Policy also does not apply to information collected by any third parties, including through any content, websites or applications that may link to, or be accessible from, our Websites.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information. By accessing or using our Websites, you agree to this Privacy Policy and our practices for collecting, using, and disclosing your information. If you do not agree with our policies and practices, you may not use our Websites. This Privacy Policy may change from time to time, and your continued access or use of our Websites after we make changes is deemed to be acceptance of those changes. Please check this page periodically for updates.

> What kind of information do our Websites collect and how do we collect it?

> Information that you provide to us
Depending on the services and features you access on our Websites, you may also be asked to voluntarily provide certain personal information, including your name, telephone number, email address and mailing address, the state or province in which you are located, your preferred language, a website with which you are associated (if any), and any other information by which you may be contacted online or offline.

If you register for an account on MyPrimerica, we may ask you to provide certain personal information to identify you and your products. This information may include your name, email address, country, Social Security number or Social Insurance number, policy number or account number, postal code, date of birth, phone number, and the password you create during registration.

The information we collect from you on our Websites may include information that you provide voluntarily by filling out forms on our Websites (including when requesting further information or services from us), information that you provide when you report a problem with our Websites, records and copies of your correspondence if you contact us, details of transactions that you carry out on our Websites, and your search queries on our Websites.

You may also provide information to be published, displayed or posted on public areas of certain Websites (collectively, "User Content"). Any User Content posted on our Websites is available to the general public, and we cannot control the actions of other users of our Websites who may view your User Content. Further, if you delete your User Content from a Website, copies of such content may remain viewable in cached and archived pages or may have been copied or stored by other users of the Website. User Content is posted on our Websites at your own risk.

We collect all the above information directly from you if and when you provide it to us.

> Information that we collect automatically
In addition, we may automatically collect certain information when you access our Websites and as you navigate through and interact with our Websites. Information collected automatically may include your Internet Protocol (IP) address, the kind and version of your operating system and Internet browser, the date and time of your visit to our Websites, the type of device used, the mobile carrier or Internet Service Provider (ISP) used, the pages and resources that you access and use on our Websites, and other usage details. The technology that we use for such automatic information collection may include cookies and third-party tracking technologies, as described in more detail below.

Cookies (or browser or mobile cookies) are small files placed on the hard drive of your computer or mobile device. It may be possible to refuse to accept cookies by changing the settings on your browser or mobile device. However, if you refuse to accept cookies, you may be unable to access certain parts or features of our Websites. Unless you have adjusted your settings to refuse cookies, our Websites may automatically issue cookies when you access our Websites.

We also permit certain third parties to collect information about your online activities over time and across different websites (also known as "behavioral tracking") for our usage analysis. On our Websites, we use the Google Analytics and Google Tag Manager tools to aid in this process. You can learn more about how Google collects and processes your browsing data by visiting Google's Privacy & Terms disclosures. We currently do not honor or respond to Do Not Track signals.

We may also use the Google Analytics User ID feature on MyPrimerica for our own usage analysis. This feature permits us to automatically map the internal customer ID we have stored for our clients (if any) with our Google Analytics platform in order to more accurately match the same client's use of MyPrimerica across different devices. This mapping allows us to more accurately determine our user counts for MyPrimerica.

The information we collect automatically helps us to provide and improve our Websites and deliver a better and more customized service and experience. Such information also enables us to help you navigate our Websites, track your language preferences, estimate our audience size and usage patterns, speed up your searches and otherwise recognize you when you return to our Websites.

> How does Primerica use your information?
Primerica uses the information that we collect (including personal information) for legitimate business objectives, as allowed by law, including to:

present our Websites and their contents to you;
respond to your requests related to our products and services and provide products, services and other information that you request from us. For example, if you provide your name and contact information (such as your telephone number, address or email address) when asking for a Financial Needs Analysis™ (FNA™) assessment or for more information about becoming a Primerica Representative, we will use such personal information to contact you and provide the information you have requested;
send you notices about your MyPrimerica account, including notifying you about updates to MyPrimerica and changes to any services we offer or provide through it;
contact you about information related to our own and our third-party partners' products and services that may be of interest to you;
evaluate and improve the performance of our Websites;
personalize and improve your experience when using our Websites;
detect and prevent fraud or other illegal or prohibited activity;
comply with applicable laws and regulatory obligations;
carry out our obligations and enforce our rights arising from any contracts between you and us;
fulfill any other purpose for which you provide such information; and
fulfill any other purpose with your consent.

> With whom does Primerica share the information we collect?
We may disclose personal information that we collect to the following, as allowed by law:

our affiliates;
Primerica's independent sales representatives;
third-party contractors, service providers and consultants that we use to support our business. These third parties are bound by contractual obligations to keep personal information that we share with them confidential and use it only for the purposes for which we disclose such information to them;
our third-party partners to market their own products and services to you; and
a buyer or other successor in the event of a merger, reorganization or similar event in which personal information held by Primerica about our Websites' users is among the assets transferred.

We may also disclose personal information that we collect to fulfill the purpose for which you provided such information, such as to provide products or services which you request from us, for any other purpose disclosed by us when you provide the information, and for any other purpose with your consent. Our privacy notices with respect to our customer's nonpublic personal, financial and health information, and options for limiting use and disclosure of that information, are available on our privacy page under U.S. GLBA Privacy Notices and Canada Privacy Notice.

Further, we may disclose your personal information to comply with any court order, law or legal process (including to respond to any governmental or regulatory request), to enforce or apply our Websites' terms and conditions and any other agreements between you and us, and if we believe that disclosure is necessary or appropriate to protect the rights, property or safety of Primerica, our independent sales representatives, our customers or others.

We may disclose aggregated information about our Websites' users, and other information that does not identify any individual, without restriction.

> How can you access and change your information?
If you have registered for an account on MyPrimerica, you can review and change certain of your personal information by logging into MyPrimerica and accessing the Account Settings feature. You may also change your user ID or password for your MyPrimerica account by selecting the Forgot your User ID or Password? Link on the MyPrimerica login page and follow the instructions on the screen.

Please note, however, that we may refuse to accept a change to your personal information if we believe the change would violate any law or our policies or would cause the information to be incorrect.

> How does Primerica protect your information?
We have implemented measures designed to secure your personal information from accidental loss and unauthorized access, use, alteration and disclosure. Unfortunately, however, the transmission of information via the Internet is not completely secure. Unauthorized third parties may unlawfully intercept or access transmissions or private communications. Therefore, although we work very hard to protect your personal information, we cannot guarantee the security of information transmitted to our Websites.

The security of your information also depends on you. For example, a user ID and password are required for access to MyPrimerica, and you are responsible for keeping your user ID and password confidential. You agree not to share your user ID or password with any other person, and we are not responsible for any breach of the security of, or unauthorized access to, your personal information caused by your failure to maintain the confidentiality of your user ID or password (including any breach of or unauthorized access to information about the products or services purchased by you which is accessible using MyPrimerica). You must notify us immediately in the event of any loss or theft of your user ID or password, if you believe that your user ID or password has been compromised in any way, or if you learn or become aware of any possible or actual unauthorized use of MyPrimerica under your account.

We also urge you to be careful about giving out information in public areas of our Websites, such as when posting User Content (if permitted). All information that you share in public areas may be viewed by any other user of our Websites.

> How is your information protected when visiting a third-party website through a link on Primerica’s Websites?
As described above, this Privacy Policy addresses only our collection, use and disclosure of information collected by us on or through the Websites. Specifically, it does not apply to the practices of third parties that we do not own, control, employ or manage. If you disclose your information to others, different rules may apply to their use or disclosure of such information. You acknowledge that if you provide information to third parties, that information will be subject to the privacy policies of those third parties, which may differ from this Privacy Policy. We encourage you to ask questions before disclosing your information to others.

By linking to a website not owned or operated by Primerica (a "Third-Party Site"), Primerica is not endorsing its content, products, services or security and is not responsible for its adequacy, accuracy, legality or any other aspect of the Third-Party Site, including its privacy policies. Primerica is not responsible or liable for any damage, loss or breach of personal information security caused by your use of the Third-Party Site. All concerns, issues or questions regarding the usability or functionality of the Third-Party Site should be directed directly to the Third-Party Site operators.

> Are children under age 13 allowed to use Primerica’s Websites?
For U.S. residents: Our Websites are not intended for children under 13 years old. We do not knowingly collect personal information from children under 13, and no one under age 13 is authorized to provide any information to the Websites. If you are under 13, do not use or provide any information on our Websites, register on the Websites, use any of the interactive or public comment features of our Websites or otherwise provide any information about yourself to us, including your name, address, telephone number or email address. If we learn that we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe that we might have any information from a child under 13 years old, please contact us.

> How does Primerica provide notification of changes to this Privacy Policy?
We may change our Privacy Policy from time to time. If we do, we will post the revised version on this page in place of this version. All new versions of this Privacy Policy automatically take effect when they are posted on this page. Checking the "Last Updated" date at the top of this Privacy Policy allows you to determine if this Privacy Policy has been revised since the last time you reviewed it.

Our collection, use and disclosure of information collected on our Websites is subject to the Privacy Policy in effect at the time such information is collected. You are responsible for periodically visiting this page to check for any changes.

> Do you have additional rights under California privacy law?
If you are a California resident, California law may provide you with additional rights related to your personal information. To learn more about such rights, please visit our California Consumers Privacy Act (CCPA) Notice.

> How do you learn more or contact us with questions?
If you have any questions about this Privacy Policy, please contact us at these toll-free phone numbers: 1-800-770-0673 (U.S.) or 1-800-387-7876 (Canada). You can also view other Primerica privacy policies at the following links: