NATIONAL LIFE GROUP PRIVACY POLICY, TERMS OF USE, & LEGAL INFORMATION.
INTRODUCTION
This website ("Site") is provided by National Life Group. By using this Site, including but not limited to accessing the National Life Group customer portal or National Life Group web application (together, the “Portal”) or downloading materials from the Site, you agree to abide by the terms and conditions set forth in this Privacy Policy, Terms of Use & Legal Information section ("Policy"). If you do not agree to abide by these terms and conditions, do not use the Site, access the Portal or download materials from the Site. National Life Group may at any time revise this Policy by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the then current Policy. As used in this Policy, the term "National Life Group" includes National Life Insurance Company and all of its affiliated and subsidiary companies and entities.
NATIONAL LIFE GROUP CONTACT INFORMATION
Any questions, suggestions or concerns that you have regarding National Life Group or this Site should be sent to: webmaster@NationalLife.com.
LICENSING
National Life Insurance Company (National Life), NAIC Company Code 66680, is licensed to do business in all states and the District of Columbia. The home office is located in Montpelier, Vermont. Life Insurance Company of the Southwest (LSW), NAIC Company Code 65528, It is licensed to do business in 49 states and the District of Columbia. LSW is not licensed in New York. The home office is located in Addison, Texas.
PRIVACY POLICY
Each member company of National Life Group has an established “Privacy Policy.” These policies are accessible by clicking here. In addition to these Policies, and because National Life Group is sensitive to privacy issues on the Internet, we have adopted the following Supplemental Privacy Policy for this Site. We encourage you to review and become familiar with not only each member company’s privacy policy but also with the following Supplemental Privacy Policy. When utilizing this Site, both sets of privacy policies will apply.
SUPPLEMENTAL PRIVACY POLICY
"Personal Data" is personal and/or confidential information that relates to you and your account, policy, contract or affiliation with National Life Group.
"Communications" are any non-confidential and non-proprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.
"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number, including personal information provided through the Portal.
"Non-Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link.
All Communications, except for Personal Data and Personal Information, will be treated as non-confidential and non-proprietary, will become the property of National Life Group and may be used for the purposes described herein.
In general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, Non-Personal Information may be automatically collected, such as your Internet Browser, computer operating system, domain name of your Internet service provider and/or the website from which you linked to our Site,is automatically collected and sent to National Life Group and Google Analytics. We will use this information as aggregate data to help us maintain and administer the Site and Portal, such as to determine the number of visitors, analyze trends and broad demographic data, ensure the Site and Portal working properly, and help us make the Site and Portal more useful. We do not automatically collect Personal Information.To learn more about Google Analytics visit, “How Google uses data when you use our partners' sites or apps” at Google Privacy Policies.
Personal Information about you (e.g., your name, address, telephone number, social security number, and/or email address) will not be collected unless you provide it to us voluntarily through the Portal or otherwise. For example, National Life Group retains e-mail addresses of visitors who log into the Portal, respond to the Site's e-mail forms, online forms, registration forms and surveys and contest entries. National Life Group also retains information about the frequency of Site visits, length of time of the visit and aggregate information on which Site page visitors access.
National Life Group sends Internet visitors "Cookies." A Cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. National Life Group's Cookie enables the Site to recognize you if you have a National Life Group account or have utilized certain Site features. In addition, the Cookie may recall information so that you do not have to re-submit it, and also automatically updates Site information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline or delete them. Please note that you must have cookies enabled in your browser software to be able to log in to the website. When you perform a search with National Life Group's search engine, National Life Group does not record information identifying you or linking you to the search performed. As necessary to provide service, National Life Group does record limited information for every search request and uses that information only to solve technical problems with the Site, to calculate overall usage statistics and to improve the structure and content of the Site.
Except as described below with respect to the Portal, National Life Group will primarily use Communications to respond to your request(s). National Life Group may use Personal Information for feedback purposes, marketing and promotional purposes and for a statistical analysis of users' behavior. Furthermore, National Life Group retains the right to use ideas, concepts, know-how or techniques contained in any Communications you send to the Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-Personal Information may be aggregated for internal review and used to improve the Site's content and its structure. This information will be discarded.
National Life Group does not distribute Personal Data, Personal Information or Communications to unaffiliated third parties unless such third parties are under contract with National Life Group for administrative support and services. National Life Group will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether Personal Data, Personal Information or Communications) to unaffiliated third parties, unless National Life Group has contracted with such third parties to provide administrative support and services. In such an event, we will contractually require these service providers to protect such information and provide the same level of confidentiality that National Life Group provides.
Do not track” (DNT) standards have still not been finalized by the Internet standards setting organization, the World Wide Web Consortium (W3C). As such, we do not use DNT signals.
When you choose not to provide Personal Information
When you choose not to provide a personally identifiable Communication, we may not be able to respond to your request. You may receive an error message displayed on your browser.
How to access, update & correct Personal Information.
Use the contact listed in National Life Group Contact Information above.
CUSTOMER PORTAL
The terms of use outlined in this Policy apply to accessing information relating to your life insurance policy(ies) and/or annuity contract(s) electronically and processing transactions submitted electronically (collectively, the "Service") only and do not address the rules for obtaining information or making transactions by any other means. The Service includes the National Life Group customer Portal and National Life Group web application.
As a customer, you will represent, on a continuing basis, that you are authorized to access any accounts you create on the Portal ("Accounts") for which you have obtained a User ID and Password from National Life Group. Because of the importance of safeguarding your Accounts, National Life Group requests that you not share your User ID and/or Password with any other individuals. However, if you do choose to share your User ID and Password with other individuals, National Life Group or any party contracting with National Life Group will not be responsible for damages or loss resulting from any breach of security caused by a failure to maintain the confidentiality of your User ID and Password.
Policy and/or contract values accessed via the Service is for informational purposes only and is not the official record of such values. Your statement or other National Life Group correspondence is your official record of policy and/or contract values. Values provided through the Service are generally updated as of the prior business day's close of business. This information is subject to adjustment and correction
Access to your Account or the Service may be blocked if National Life Group reasonably believes your access codes have been/may have been obtained or are being used/may be used by an unauthorized person(s).
Any transaction(s) entered by an individual using your User ID and Password will be deemed to have been authorized by you, unless you have previously notified National Life Group, in a timely manner, of the loss, theft or unauthorized use of these personal identifiers. If you become aware of the loss, theft or unauthorized use of your User ID and Password, you must notify National Life Group by phone or in writing (delivered via U.S. Mail, certified, return receipt requested) at the address below. Note, too, that if a customer authorizes a third party to access his/her account and/or our services, the customer agrees to defend, indemnify, and hold National Life Group and parties contracting with National Life Group not responsible for any liability, losses, damages and reasonable costs and expenses (including attorney fees) arising out of claims or suits by any such third parties based upon or relating to such access and use.
Neither National Life Group, any parties contracting with National Life Group, nor any of their directors, officers, employees, agents, contractors, affiliates, information providers, licensors or other suppliers providing data, information or services, warrant that the Service will be uninterrupted or error free.
National Life Group or any party contracting with National Life Group does not warranty the results that may be obtained from the use of the Service, or as to the timeliness, sequence, accuracy, completeness, reliability or content of any information, data, service or transaction provided through the Service, or with respect to any software provided for use in accessing the Service. You acknowledge and agree that National Life may restrict, suspend or terminate your access to, and use of, all or any part of the Service at any time in National Life’s absolute discretion and without prior notice or liability.
Customers are responsible for all transactions authorized with their User ID and Password. If a customer permits another person(s) to use the Service or their ID or Password, or if the customer’s ID or Password is used by an unauthorized third party as a result of the customer’s negligence, the customer is responsible for any resulting transactions. By usage of the Service a customer accepts full responsibility for the monitoring of their Account(s).
Customers will notify National Life Group by phone or in writing (delivered via U.S. Mail, certified, return receipt requested) at the address listed below, if he/she becomes aware of any of the following:
- He/She does not receive an accurate written confirmation of a transaction, or
- He/She receives confirmation of a transaction that he/she did not initiate.
If a customer does not notify National Life Group within 5 business days after any of the above listed circumstances occur, National Life Group is not responsible or liable for any claims arising from said circumstances. If a customer becomes aware of inaccurate information in his/her policy(ies) and/or contracts or transaction history which is unrelated to any of the above listed circumstances, he/she is responsible for notifying National Life Group in a timely manner by phone or in writing (delivered via U.S. Mail, certified, return receipt requested) at the following address:
National Life Group
One National Life Drive
Montpelier, VT 05604
You may contact National Life Group by phone at the toll-free number 800-732-8939.
To report an error you must provide National Life Group with the following information:
- Your Name
- Address
- Policy or Contract Number(s )
- Description of the suspected error(s) or the nature of the problem
National Life Group’s Responsibility
National Life Group is responsible for making information available relating to your life insurance policy(ies) and/or annuity contract(s) available to you electronically and/or completing the transactions you submit electronically in a timely manner, pursuant to properly entered and transmitted instructions.
National Life Group will send a written confirmation of any financial transaction that you authorize within three business days electronically or via First Class US mail.
National Life Group is not liable or responsible if:
- A transaction cannot be initiated because of insufficient funds (irrespective of the size of the shortfall) in a customer's account, or if that account has not been established or has been closed;
- A customer has not properly followed instructions on how to effect a transaction through the Service;
- A customer has not given complete, correct and/or current instructions so that the transaction can be effected;
- It reasonably believes that a transaction may be unauthorized and determines not to proceed with the requested transaction;
- A customer's equipment and/or the software used were not working properly at the time the customer attempted to submit a transaction; or
- Circumstances beyond our control prevent National Life Group from effecting a transaction, despite reasonable precautions that National Life Group has taken. Such circumstances include but are not limited to computer failure, telecommunication outages, postal strikes and other labor unrest, delays caused by payees, fires, floods, and other natural disasters.
Customers may not use e-mail or text messages to send personal or identifying information, such as account numbers, Social Security numbers, passwords, etc. National Life Group is not responsible for any loss or damage that results from interception by third parties of any information you send via e-mail or text message.
Business Days and Hours of Operation
National Life Group's business days are Monday through Friday except during holidays and emergency closings. Although Portal transactions will be processed only on business days, you can use the National Life Group Portal to reach National Life Group 24 hours a day, seven days a week, except during any periods when access is not available due to maintenance, support or other system activities.
National Life Group will use its best efforts to:
- Process all transactions authorized via the Service with a current effective date if such request is received on a business day and between the hours of 8:00 AM and 6:00 PM Eastern Time; and
- Process all transactions with an effective date of the next such business day if such request is received after the above listed hours or on a non-business day.
National Life Group reserves the right to process transactions with an effective date which is within 36 hours (counting only such business days) of receipt of the related request.
National Life Group may, on a regular basis, perform maintenance on its equipment or systems. This maintenance may result in interrupted service or errors in the Service. National Life Group retains the right to change the scope of its services from time to time. To the extent permissible, National Life Group will provide prior notice of such interruptions and changes but does not guarantee that such notice will be provided.
LIMITATION OF LIABILITY
The material on the Site does not, and is not intended to, provide any financial, insurance, legal, accounting, tax or other professional advice, and should not be relied upon by you in that regard. It is not a substitute for professional advice from a competent, independent advisor in your jurisdiction. THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NATIONAL LIFE GROUP DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. NATIONAL LIFE GROUP DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU (AND NOT NATIONAL LIFE GORUP) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.
Under no circumstances, including but not limited to negligence by act or omission, shall National Life Group or any party involved in creating, producing or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if National Life Group or a representative authorized by National Life Group has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall National Life Group's total liability to you for all damages, losses and causes of action exceed the amount paid by you, if any, for accessing the Site.
As a condition of using the Site, you agree to indemnify and hold National Life Group harmless from and against any loss, liability, cost, expense or damage arising out of any claim, suit action or judgment brought against National Life Group or its affiliates related to your breach of any provision of this Policy or any local, state, federal or other laws or regulations or any third party rights. This indemnification obligation will survive these terms and your use of the Site.
SSLINKS TO THIRD PARTY WEBSITES
If you use any links provided in the Site to websites not owned, maintained nor hosted by National Life Group ("Off-sites"), you will leave the Site. National Life Group is not responsible for any Off-site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness or suitability of the content of any Off-sites, and National Life Group takes no responsibility for such sites. A link to a service or website outside of the Site is not an endorsement of the service or the website, its content or its sponsoring organization.
USE OF THE SITE
The Site is owned and operated by National Life Group. No materials found on the Site or any other site owned, operated or licensed by National Life Group may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without the prior written permission of National Life Group. You may access material on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio or video without National Life Group's prior written permission. National Life Group neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with National Life Group.
You may not do any of the following in connection with the Service: (i) willfully tamper with the security of the Site or tamper with other access URLs, (ii) access data on the Site not intended for you, including without limitation any data that does not pertain to the Service, (iii) log into a server or account on the Site you are not authorized to access, (iv) attempt to probe, scan or test the vulnerability of any Site or to breach the security or authentication measures without proper authorization; (v) willfully render any part of the Site unusable, including without limitation, to others; (vi) rent, lease, distribute, license, sublicense, sell, resell, assign, or otherwise commercially exploit the Service or make the Service available to a third party other than as contemplated herein; (vii) create any link to the Service or frame or mirror any content contained or accessible from, the Service; (viii) violate any local, state, federal regulation or law applicable to your use of the Service; (ix) reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the Service; (x) or modify, adapt, translate or create derivative works based on the Service.
JURISDICTIONAL ISSUES
The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all states.
All insurance and/or securities transactions are conducted based on signed written agreements between National Life Group and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of the Site constitutes your agreement to the additional Terms of Use applicable to such use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.
Your use of this Site, and its Privacy Policy, Terms of Use & Legal Information shall be construed and controlled by the laws of the State of Vermont. Further, any dispute arising from your use of this Site, or its Privacy Policy, Terms of Use & Legal Information, or a breach thereof, shall be governed by the laws of the State of Vermont. By accessing this Site, you agree to personal jurisdiction by the state and federal courts sitting in the State of Vermont.
TRADEMARKS, SERVICE MARKS AND COPYRIGHTS
Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site and the Site's contents are the property of National Life Group and may not be used without National Life Group's prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.
PREMIUM RATES
It is entirely possible that you may not qualify for some of the listed premium rates. The premium rates are being provided for general information purposes only and are subject to National Life Group's underwriting and other requirements. To obtain a more detailed and accurate plan for your personal situation, we recommend you contact an authorized National Life Group sales representative.
CALCULATOR DATA
Neither the online calculators nor their use are intended to supply advice of any type, including, without limitation, professional tax, accounting, financial or legal advice. Although the services may contain information, e.g., data regarding retirement investing, such information is intended to be educational in nature, and does not constitute an endorsement or recommendation of any security or investment program, service or the suitability thereof for you. The information provided in the online calculators is not intended to supply professional tax, accounting, financial or legal advice, for which you should seek a personal consultation with a professional provider of such services. National Life Group does not offer legal or tax advice.
GENERAL SECURITIES DISCLOSURE
Securities and investment advisory services are offered through registered representatives and investment adviser representatives of Equity Services, Inc., Member FINRA/SIPC, broker-dealer and registered investment adviser affiliate of National Life Insurance Company, Montpelier, VT 05602 (802) 229-3900. Follow-up, individualized responses to persons by Equity Services, Inc. involving the rendering of personalized investment advice or effecting or attempting to effect securities transactions, will not be made absent compliance with state registration requirements. In CO, MO, NH and WI, Equity Services, Inc. operates as Vermont Equity Services, Inc.
VARIABLE CONTRACTS DISCLOSURE
National Life's variable contracts are underwritten by National Life Insurance Company and distributed by Equity Services, Inc., Member FINRA/SIPC, broker-dealer and registered investment adviser affiliate of National Life Insurance Company, Montpelier, VT 05604 (802) 229-3900.
Variable products are sold by prospectus. For more complete information, including charges and expenses, please request a prospectus from your registered representative or call (802)229-3900. Please read it and consider carefully the Fund's objectives, risks and charges before you invest or send money. The prospectus contains this and other information about the investment company.NATIONAL LIFE GROUP DISCLOSURE
National Life Group® is a trade name of National Life Insurance Company, founded in Montpelier, VT in 1848, Life Insurance Company of the Southwest (LSW), Addison, TX, chartered in 1955, National Life Distribution, LLC (NLD) and their affiliates. Each company is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in NY and does not conduct insurance business in NY. Agent insurance incentive programs are offered by, and agent compensation is paid by NLD. NLD also conducts business as National Life or, in some states, National Life Insurance Agency. All companies referenced are affiliated unless otherwise noted.
IMPORTANT CONSUMER INFORMATION
(1) A broker-dealer, investment advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment advisor, BD agent or IA rep requirements, as the case may be; and (2) Follow-up, individualized responses to consumers in a particular state by broker-dealer, investment advisor, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment advisor, BD agent or IA rep requirements or pursuant to an applicable state exemption or exclusion. (3) For information concerning the licensure status or disciplinary history of a broker-dealer, investment advisor, BD agent or IA rep, a consumer should contact his or her state securities law administrator.
National Life Insurance Company One National Life Drive . Montpelier, Vermont 05604. 802-229-3333
Information Shared With National Life Group
National Life Group will take appropriate steps to protect all information you share with us. Whenever you provide the Site with Personal Data, National Life Group will take commercially reasonable steps to establish a secure connection with your web browser.
THE SITE CONTAINS SECURED AND NON SECURED SECTIONS. INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. NATIONAL LIFE GROUP CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.