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VOYA FINANCIAL PRIVACY NOTICE


VOYA FINANCIAL PRIVACY NOTICE


LAST UPDATED AUGUST 1, 2024

Voya Financial Privacy Notice
Supplemental State-Specific Privacy Notice
Personal Data Request

 


VOYA FINANCIAL PRIVACY NOTICE


FACTS

What does Voya Financial do with your personal information?

Why?

We recognize the importance of protecting the privacy of your personal
information. We have implemented policies and security measures to protect the
information you provide us. We understand that you care about how information
about you is collected, used and shared, and we appreciate the trust you place
with us. This Privacy Policy (this “Policy”) describes the ways in which Voya
Financial (“Voya,” “we,” “us” or, “our” in this privacy policy) collects,
processes and discloses personal information about you. Throughout this Policy,
“you” refers to the individual or entity that is engaging with Voya. By
interacting with our website, you consent to the use of your information as set
forth in this Policy. Generally, financial companies choose how they share your
personal information. Federal law gives consumers the right to limit some but
not all sharing. Federal law also requires us to tell you how we collect, share
and protect your personal information. Please read this notice carefully to
understand what we do.

What?

The types of personal information we collect and share depend on the product or
service you have with us. This information can include:

 * Contact information, like email address and phone number
 * Social Security number and account balance
 * Driver’s license or other government-issued identification number
 * Date of birth, gender and other health information
 * Income, assets and transaction or loss history
 * Investment experience and employment information
 * Personal, demographic or financial information of any joint owners or
   beneficiaries


How?

All financial companies need to share customers’ personal information to run
their everyday business. In the section below, we list the reasons financial
companies can share their customers’ personal information; the reasons Voya
chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Voya share?Can you limit this
sharing?For our everyday business purposes – 
such as to process your transactions, maintain your account(s) and required
records, respond to court orders and legal investigations, detect and prevent
fraud, or report to credit bureausYesNoFor our marketing purposes –
to offer our products and services to youYesNoFor joint marketing with other
financial companiesNoWe don’t shareFor our affiliates’ everyday business
purposes –
information about your transactions and experiencesYesNoFor our affiliates’
everyday business purposes –
information about your creditworthinessNoWe don't shareFor our affiliates to
market to youYesYesFor nonaffiliates to market to youNoWe don't share

 

To limit our sharing

 * Call our toll-free number (855) 685-9519 – our menu will prompt you through
   your choice.

Please note:

If you are a new customer, we can begin sharing your information 30 days from
the date we sent this notice. When you are no longer our customer, we continue
to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.


QUESTIONS?

Call the telephone number listed on your statements and other correspondence or
contact us.


WHO WE ARE

Who is providing this notice?

This notice is provided by certain companies owned by Voya Financial, Inc. A
list of these companies is provided at the end of this notice.


WHAT WE DO

How does Voya protect my personal information?

To protect your personal information from unauthorized access and use, we use
security measures that comply with state and federal law. These measures include
computer safeguards and secured files and buildings.

How does Voya collect my personal information?

We collect your personal information, for example, when you:

 * Open an account or give us your contact information
 * Apply for insurance or seek advice about your investments
 * Tell us about your investment or retirement portfolio
 * Navigate our website

We also collect your personal information from others, such as credit bureaus,
affiliates or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

 * Sharing for affiliates’ everyday business purposes – information about your
   creditworthiness
 * Affiliates from using your information to market to you
 * Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone
else?

Your choices will apply to everyone on your account.


DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and
nonfinancial companies.

 * Our affiliates include companies with the Voya name; financial companies such
   as Voya Retirement Insurance and Annuity Company; and nonfinancial companies
   such as Voya Services Company.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and
nonfinancial companies.

 * Voya does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.

 * Voya does not jointly market.


OTHER IMPORTANT INFORMATION

See our Supplemental State-Specific Privacy Notice for additional information
about the categories of personal information we collect and share, the
individual rights granted under certain state laws, and how to exercise those
rights. Voya does not sell personal information. If you live in a state where
the laws further restrict the sharing of your personal information, we will not
share information we collect about you with nonaffiliates, unless the law
allows, and we will limit sharing among our affiliates to the extent required by
state law. If you are a participant in a retirement plan sponsored by your
current or former employer, our contract with your plan sponsor may contain
additional restrictions on the use or sharing of your personal information.


VOYA AFFILIATES

This notice is provided by: Benefit Strategies, LLC; Pen-Cal Administrators,
Inc.; ReliaStar Life Insurance Company; ReliaStar Life Insurance Company of New
York: Security Life Assignment Corporation; Voya Benefits Company, LLC; Voya
Capital Corporation, LLC; Voya Financial, Inc.; Voya Financial Partners, LLC;
Voya funds; Voya Funds Services, LLC; Voya Institutional Plan Services, LLC;
Voya Institutional Trust Company; Voya Investments, LLC; Voya Investments
Distributor, LLC; Voya Retirement Advisors, LLC; and Voya Retirement Insurance
and Annuity Company.

View a PDF version of the Voya Financial privacy noticeopens in new tab.

If you are a client of Voya Financial Advisors, Inc. view a PDF version of the
Voya Financial Advisors privacy noticeopens in new tab.

If you are a client of Voya Investment Management, visit the Voya Investment
Management privacy noticeopens in new tab.

If you are a client of Venerable Insurance and Annuity Company view a PDF
version of the Venerable Insurance and Annuity Company privacy noticeopens in
new tab.

If you are a client of Security Life of Denver Insurance Company or Midwestern
United Life Insurance Company view a PDF version of the SLD/MULIC privacy
noticeopens in new tab.


SUPPLEMENTAL STATE-SPECIFIC PRIVACY NOTICE

Last updated August 1, 2024

This notice applies to individuals only as and to the extent required by state
law. You may live in a state that does not have an applicable law, or the law
may contain exemptions that make this notice inapplicable to you.


SELL/SHARE

Voya does not sell or share personal information. As used in this Supplemental
State-Specific Privacy Notice, the words “sell”, and “share” have the specific
meanings assigned by the applicable state law. Under some state laws Voya may be
considered to share personal information. Additional information on how Voya may
share your data is provided below.


SOURCES OF PERSONAL INFORMATION

The sources from which we collect personal information depends on the
relationship you have with us. The list below provides the sources for where we
collect your personal information.

 * Directly from you, or other individuals on your behalf including when you
   complete account applications, call customer service, or interact with us
   through electronic means, such as through Voya websites.
 * Public records and widely available sources including federal, state or local
   records.
 * Outside organizations to assist in activities such as preventing fraud,
   marketing and to support human resources. 
 * Credit and insurance bureaus, program partners and financial institutions.


CATEGORIES OF PERSONAL INFORMATION WE COLLECT

The categories of personal information we collect depend on the relationship you
have with us. 

 * If you are a Voya customer, then we may collect your name, physical address,
   email address, phone number, Social Security number, driver’s license number,
   passport number, professional or employment-related information, biometric
   information, and other financial information. 
 * If you interact with Voya on behalf of a business entity, then we may collect
   your name, physical address, email address, phone number.
 * If you apply for a position within Voya, then we may collect your name,
   physical address, email address, phone number, Social Security number,
   demographics, driver’s license number, national identifiers, professional or
   employment-related information and educational information.
 * If you are a current of former Voya employee, then we may collect your name,
   physical address, email address, phone number, Social Security number,
   demographics, driver’s license number, national identifiers, professional or
   employment-related information, educational information, credit information,
   health information, and spousal and dependent information.
 * If you visit a Voya website, then we may collect your IP address, browsing
   history, search history, and information regarding your interaction with our
   web sites, applications, and advertisements. 
 * Additionally, Voya may collect any personal information you volunteer to Voya
   including information regarding hobbies, and social and dietary preferences.


PURPOSES FOR WHICH WE COLLECT PERSONAL INFORMATION

The business purposes for which we collect personal information include the
provision of financial products and services (e.g., maintaining accounts,
processing payments, servicing customers), auditing consumer interactions and
transactions, detecting security incidents and preventing fraud, identifying,
and repairing errors that impair functionality, activities to verify or enhance
the quality of services, employment purposes and other internal uses permitted
under applicable laws.


THIRD PARTIES WITH WHICH PERSONAL INFORMATION IS SHARED

All financial companies need to share personal information to run their everyday
business. The categories of third parties with which Voya shares the categories
of personal information identified above include service providers, third party
administrators, brokers, independent agents, plan sponsors, managing general
agents, program administrators and affiliates. If you are a participant in a
retirement plan sponsored by your current or former employer, our contract with
your plan sponsor may contain additional restrictions on the use or sharing of
your personal information.


RETENTION OF PERSONAL INFORMATION

Voya retains your personal information and sensitive personal information as
long as reasonably necessary for the purposes disclosed in this notice and for
other related business purposes and as required or permitted by applicable laws
and regulations.


COOKIES

Voya Sites Terms of Use govern your use of the information, content, tools,
products, and services on all of the Voya Sites (the term “Voya Sites” refers to
all Voya websites, WAPs and mobile applications and the content within them). As
part of your use of Voya Sites, Voya Sites may use cookies and similar
technology.  Visit Voya Sites Terms of Use for information regarding Voya’s use
of cookies.


INDIVIDUAL RIGHTS

Right to deletion

Your right to request that Voya delete your personal information, unless it is
necessary for us to retain it for a purpose permitted by law.

Right to correct

Your right to request that Voya correct any inaccurate personal information
about you that we maintain, taking into account the nature of the personal
information and the purposes of the processing of the personal information.

Right to know and right to access

Your right to request that Voya disclose to you the following: (1) the
categories of personal information we have collected about you, (2) the
categories of sources from which the personal information is collected, (3) the
business or commercial purpose for collecting the personal information, (4) the
categories of third parties with which we share the personal information, and
(5) the specific pieces of personal information we have collected about you.

Right to information about onward disclosures 

Your right to request that Voya disclose to you the following: (1) the fact that
we do not sell your personal information, and (2) the categories of your
personal information that we have disclosed for a business purpose.

Right to prohibit sales and sharing

Your right to direct a business that sells or shares personal information to
third parties not to sell or share your personal information. 

 * In the past twelve (12) months Voya has not sold your personal information. 
 * In the past twelve (12) months Voya may have “shared” your personal
   information including third-party cookies or trackers, IP address,
   pseudonymous identifiers, advertising ID, website interactions, and
   inferences drawn from website interactions. 

Right to limit the use of sensitive personal information

Your right to request that Voya limit the use and disclosure of sensitive
personal information to specific “business purposes.”

Right to fair treatment

We may not discriminate against you for exercising any of your privacy rights,
such as by denying you products or services, charging you different prices or
rates, or providing a different level or quality of products and services.


TO EXERCISE YOUR INDIVIDUAL RIGHTS

Existing customers with online account access: Log in to your account in order
to submit a request.

Existing customers without online account access: Call the telephone number
listed on your statements and other correspondence. You must complete our
standard authentication process, which uses a combination of information
possessed by Voya to verify your identity.

Job applicants: Visit the Personal Data Requests section and follow the
instructions to submit a request or call 855-ONE-VOYA .

Current employees: Follow the instructions provided in the Employee Privacy
Notice to submit a request.

Former employees: Visit the Personal Data Requests section and follow the
instructions to submit a request or call 855-ONE-VOYA.

All other individuals: Visit our website at https://www.voya.com/privacy-notice
and follow the instructions under Personal Data Requests or call 855-ONE-VOYA. 

You may designate an authorized agent to make a request on your behalf. That
agent may be subject to a heightened authentication process.


CONTACT US

For more information

If you have questions or concerns about Voya’s Supplemental State Privacy Notice
and practices, call the telephone number listed on your statements and other
correspondence or go to Contact Us.


OTHER IMPORTANT INFORMATION

See our additional product and service privacy notices for specific information
about how we collect and share personal information relating to those specific
products and services.

View a PDF version of the supplemental state-specific privacy noticeopens in new
tab.

Voya Financial companies

Benefit Strategies, LLC; Pen-Cal Administrators, Inc.; ReliaStar Life Insurance
Company; ReliaStar Life Insurance Company of New York; Security Life Assignment
Corporation; Voya Alternative Asset Management LLC; Voya Benefits Company, LLC;
Voya Capital Corporation, LLC; Voya Financial, Inc.; Voya Financial Advisors,
Inc.; Voya Financial Partners, LLC; Voya funds; Voya Funds Services, LLC; Voya
Institutional Plan Services, LLC; Voya Institutional Trust Company; Voya
Investment Management, LLC; Voya Investment Management Co. LLC; Voya
Investments, LLC; Voya Investments Distributor, LLC; Voya Investment Trust Co.;
Voya Retirement Advisors, LLC; Voya Retirement Insurance and Annuity Company;
and Voya Services Company.


PERSONAL DATA REQUEST

Some state laws provide individuals the right to request that a business take
certain actions regarding their personal information. These may include the
right to request that the business delete or correct their personal information,
or the right to request that the business grant them access to their personal
information.

If you are a Voya customer and wish to exercise your rights with respect to your
personal data, you may submit a Personal Data Request by logging in to your
account online or calling the phone number on your statement or other
correspondence.

If you are not a Voya customer and wish to exercise your rights with respect to
your personal data, please submit a Personal Data Request.

Please note the Personal Data Request tool is not designed to assist with
general questions. If you wish to get assistance, please use the Contact Us
form.


HIPAA DATA REQUEST

The Health Insurance Portability and Accountability Act (HIPAA) provides that
individuals have certain rights regarding their Protected Health Information
(PHI). In the event Voya maintains PHI as part of the services or products it
provides to you, and you wish to exercise these rights with regard to PHI,
please submit a HIPAA data request.