Online Privacy Policy

Scope

This web site is operated by Genworth Financial, Inc., and its affiliated companies¹ (“We”), and this Privacy Policy applies to this website.

Federal and state laws require that we tell you how we collect, use, share, and protect your personal information. Those laws also limit how we may use your personal information and how we may share it with others. Protecting the privacy and security of your personal information is very important to us. Please read this notice carefully. It will help you understand what we do with the personal information we collect both online and offline.

Online Personal Information

You do not need to register to use most of our websites. If you do not register, we do not collect any personal information about you other than information about your visit to our websites for security and internal operations purposes. This may include your IP address, browser type, the website you came from, and your likely country of origin. We may also measure data like how often users go to a specific page, how long they spend on that page and similar information. This information is aggregated and is not associated with individual users. It is collected to help us analyze usage patterns and improve our site’s overall performance. Please also see the Cookies, Pixels & Website Data Analytics section below for additional information on how your Personal Information is collected, used, and disclosed.

If you want us to contact you to provide you with information or to provide answers to your questions, you must provide minimal personal information. This could include personal information such as your name, address, telephone number, or email address.

To access information about your existing insurance policies or accounts and for some other purposes, you must register an account. When you register, we will ask for more personal information. That may include your policy or account number, your date of birth and your social security number. You may also provide us with your preferences for our communications with you.

Uses and Sharing of Your Personal Information

We do not sell your personal information to outside companies for their use in marketing products or services to you.

We may disclose your personal information, but only if the law allows us to do so, with other Genworth companies for marketing purposes.

We may make additional disclosures of personal information as permitted or required by law. For example, we may disclose information to government agencies including law enforcement agencies or state insurance authorities, businesses, or individuals in response to court orders, subpoenas, or to resolve complaints.

When Do We Collect Personal Information?

When you contact us:

• To ask for general information

• To apply for a new policy

• To create an account so you can view information about your existing policy

When we contact you:

• To service your policy

• To provide information you ask for

• To provide information we believe you may be interested in

When we contact others:

• To obtain or confirm information about you (e.g. medical records)

Where Does Your Personal Information Go?

Within Genworth:

• To service your policy

• To answer your requests for information

• To improve your user experience

Outside of Genworth:

• We provide personal information to our service providers to provide you with services, information, or materials you have requested.

• We provide personal information to government agencies including law enforcement agencies to respond to inquiries, court orders, subpoenas, or to resolve complaints.

• We use service providers on our websites to help in communicating or interacting with you and members of the general public.

• If you pay premiums online to process your payment.

• We may disclose personal information as permitted or required by law. For example, we may disclose personal information to law enforcement agencies or state insurance authorities.

• Please also see the Cookies, Pixels & Website Data Analytics section below for additional information on how your Personal Information is used and disclosed.

How to Make Changes in the Personal Information You Give Us or Your Preferences

• Some personal information you may change yourself by logging into your account. This includes information like your address and your banking information.

• If you see other information that is not correct, you may call the number on your policy statement or may write to the address on that statement. You may also call 888 GENWORTH (888.436.9678).

• Unsubscribe instructions will be included in each promotional email from us to the extent required by law. Please note that unsubscribe requests may take up to ten (10) business days to become effective.

• If you join our text alerts program, alerts may come from Genworth. You are not required to opt into receive text messages (directly or indirectly) as a condition of transacting with Genworth. Frequency of these messages will vary based on the alerts selected. Messages may be sent by automatic telephone dialing system. These messages may include information regarding your policy/contract or, if applicable, claim(s). You acknowledge that these messages are not otherwise secured when they are sent, and that there is a risk the message could be intercepted in its transmission to you. You acknowledge that these messages may be subject to fees from your cellular provider, message and data rates apply, and that Genworth and your wireless carrier will not be held liable for any delayed or undelivered messages. To disable or update alert(s) or to update your mobile phone number, you can update your Notification Preferences in your account, or text HELP for assistance or STOP to cancel. For further assistance, please visit our Customer Service website.

How We Protect Your Personal Information

When you provide information to us on our websites, we use encryption and authentication tools to protect that information after it gets to us. Please note, however, that no internet data transmission between your computer and our systems is completely secure. While we endeavor to protect your personal information, we cannot ensure or warrant the security of any information before it gets to us; you transmit that information at your own risk. If you are uncomfortable providing information over the internet, you may be able to mail it or fax it to us.

Once we receive your information, we use procedures and technologies designed to prevent unauthorized access to your personal information and to protect against the loss, misuse, and alteration of information under our control. We maintain physical, electronic, and procedural protections to protect personal information in accordance with applicable standards.

We require that service providers who have access to your personal information implement similar standards. We require service providers to agree to keep your personal information confidential. Service providers who violate our privacy terms are subject to having their contract terminated.

We restrict access to personal information to employees and service providers who have a legitimate business need in providing products or services to you. Employees who violate these terms are subject to disciplinary action. Service providers who violate these terms are subject to having their contract terminated.

If you want to provide us with highly confidential information you may want to call us or send it by regular mail or by fax. Emails sent from outside of our website may not be protected.

The servers hosting our systems are in the United States. If you access our websites from outside the United States, this means that information you provide may be transferred to and hosted on servers in the United States. By submitting information to us, you expressly consent to those transfers.

Cookies, Pixels & Website Data Analytics

What are cookies and pixels?

A cookie is information saved by your web browser. When you visit a website, the site may place a cookie on your web browser so it can recognize your device in the future. If you return to that site later, it can read that cookie to remember you from your last visit and keep track of you over time.

Pixels are small parts of code or small images that are used to track your activity across a website and collect data to better target certain features or actions to you.

We may use cookies and pixels to:

• Collect information about the pages you view and your activities on the site

• Collect information about you

• Enable the site to recognize you, for example by:
  – Remembering your user ID
  – Keeping track of your preferences if you visit the website again

• Customize your browsing experience

• Analyze the function of our website

The cookie transmits this information back to the website’s computer (or server). You can set your web browser to warn you about attempts to place cookies on your computer or to limit the type of cookies you allow. For more information, please see the FTC's guidance on cookies and other forms of online tracking.

This website uses first party HTTPS both session/persistent cookies and third party cookies and pixels for the use cases listed above.

Website Data Analytics

We use data analytics vendors to monitor the performance of our site, enhance and provide a more relevant browsing experience for our users, personalize the content on our site, and better understand our users' needs and optimize our website and services. To help us accomplish these goals, our data analytics vendors may use cookies, identifiers for mobile devices and other technologies to collect and store data about our users' behavior and their devices, which could include how much time users spend on which pages, which links they choose to click, what users do and don't like, etc. This data may include a device's IP address, device screen size, device type (unique device identifiers), and browser information.

By using our site or engaging in other communications with us, you consent to the storing and accessing of cookies, pixels, or other information on your device where such activity occurs as described above, to the extent such consent is required by law.

Experience Recordings

We may also collect user experience recordings, which reproduce your interactions with the websites or services, including mouse movements, page scrolling, and information you type (including Personal Information), screen taps, and other actions you take while using the websites or services. Recordings may include technical and usage data, as well as visual representations of actions you take while using the websites or services. We use these recordings to help us understand how users interact with our websites or services and to design a better user experience for you. You consent to our collection and use of user experience recordings.

Online Tracking

At this time, our websites do not respond to browser Do Not Track (DNT) signals or similar mechanisms. We do not collect personally identifiable information about you using DNT signals as you move across other sites or services. Nor do we allow other companies to place DNT signals on our website. No user personal information is shared with network advertisers or stored by the cookie.

Information About Children

We do not knowingly solicit information from children and we do not intentionally market our products or services to children. You may choose to have a child insured, be owner or be a beneficiary to one of our products. If we learn that we have inadvertently received personal information from a child who has visited this website, we will delete that information from our records.

Changes to This Privacy Policy

The effective date of this privacy policy is April 10, 2024. This replaces all previous online privacy policies. We may change this privacy policy at any time. If we make material changes, we will post the changes on this website.

Links to Other Websites

You may find links to other websites on our websites. We are not responsible for the information collection practices of those other websites. We cannot guarantee how those parties use cookies or whether they use cookies, pixels, or other data aggregating or analytics tools, or whether they use cookies or other tools that may identify you personally. You should carefully review the privacy policies of each website you visit to understand how they collect, use, and disclose personal information.

Additional Genworth Privacy-related Information

• Genworth Privacy Notice

• Privacy Notice FAQ

• Genworth HIPAA Privacy Policy (Health Information)

• Disclosure - Confidentiality for Victims of Domestic Violence

• Additional Privacy Information for California Residents

Questions or Complaints About This Privacy Policy

Write to Genworth’s Privacy Compliance Office:
Genworth Financial
Privacy Compliance Office
P.O. Box 40005
Lynchburg, VA 24506

PrivacyInfoRequest@genworth.com

Questions About Identity Theft and Online Issues

Visit ftc.gov/idtheft to learn about the crime of identity theft, including detailed information to help you prevent, detect, and defend against it.

Visit OnGuardOnline to learn how to be on guard against internet fraud, secure your computer, and protect your personal information.