Notice of information practices

This Notice of Information Practices describes how Talcott Financial Group, Ltd (“Talcott”) collects, uses, shares, and protects the personal information of Alaska, Arizona, California, Connecticut, Georgia, Illinois, Maine, Massachusetts, Minnesota, Montana, New Mexico, New Jersey, Nevada, North Carolina, North Dakota, Ohio, Oregon, Vermont and Virginia residents in connection with an insurance transaction. We collect this information in connection with issuing contracts, determining costs, handling claims, and other decisions in offering or providing you financial products and services for personal or household use. Talcott is committed to your privacy and security.

Please read this notice carefully to understand what we do with your information.

What personal information does Talcott collect?

We may collect, store and use personal information about you such as:

  • Name, postal address, email address, and telephone number
  • Social security number, government-issued identification number, Tax identification number (TIN)
  • Credit/debit card and bank or other financial account numbers if used to make a premium payment or complete a transaction
  • Signature
  • Insurance policy number, policy and plan type, and terms,
  • Birth certificate, marriage certificate, or death certificate
  • Encrypted username and password for the Annuity Services Center, and security questions and answers for the Annuities Login page
  • Internet protocol address, mobile device identifier, obtained from online usage data
  • Age, date of birth, sex, gender, marital status, citizenship
  • Medical or disability information (if applicable to your policy or application)
  • Health insurance information (if applicable to your policy or application)
  • Internet browsing history, search history, and interactions with our Site and the Annuities Login page
  • Recordings of call to our call center

How does Talcott collect my personal information?

We collect most of the information we need directly from you when you apply to purchase an insurance policy or other product or service or in connection with processing your claims. We may also collect information about you from third parties, such as our third party administrators that manager policyholder accounts, your insurance broker, securities broker/dealer, or agent, credit or consumer reporting agencies; or other companies in connection with processing claims, combating suspected fraud, or for other operational or compliance purposes. We may collect information from your device or browser through your interactions with our information technology resources.

What does Talcott do with the information?

We use the information we collect about you for business or commercial purposes, such as:

  • Issuing and servicing your policy;
  • Processing claims;
  • Investigating potential fraud;
  • Verify your identity;
  • Administer our business, financial, and information technology operations;
  • Analyze aggregated data;
  • Responding to your inquiries; and
  • Other activities permitted by state and federal law

When may Talcott share or disclose my information without prior authorization?

In the following circumstances, information collected by Talcottmay be disclosed to third parties, such as agents, affiliates, service providers and others without your specific consent:

  • To your agent or account representatives to service your policy.
  • To persons who need this information to perform normal business functions for us or to detect or prevent criminal activity or fraud.
  • Persons conducting actuarial or research studies on our behalf, subject to certain confidentiality protections and only to the extent permitted by law.
  • Another insurance company or an insurance support organization – to perform an insurance transaction, or to detect or prevent criminal activity or fraud in connection with a transaction.
  • An insurance regulatory authority.
  • Law enforcement or other governmental authority.
  • Service providers performing marketing on our behalf, as permitted by law.

We will not share your personal information with non-affiliated third parties (or, in some circumstances, our affiliates) other than our agents or service providers unless you authorize us to share it or the law otherwise permits us to share it. You have the right to authorize or not authorize this sharing of personal information. Information obtained from a report prepared by insurance support organization may be retained by the organization and disclosed to other persons.

What are my rights in regard to my personal information? 

You have the right to access the personal information that we have recorded about you, and to know whom we have shared it with. You also have the right to correct, amend, and delete the information collected about you if it is incorrect. To exercise your rights, please submit a written request to Privacy@Talcott.com or Talcott Resolution, PO Box 14293, Lexington, Kentucky 40512 and include your name, address, and your policy, contract, or account number, and describe the information you wish to access, delete, or correct.

If you request that we correct, change, or delete incorrect information we’ve collected about you, we will check our records and evaluate your request. We may refuse to make such a correction, change or deletion, such as where we believe the information is correct, required to fulfill a legal obligation, necessary to protect our legal interest, or as otherwise required or permitted by law. We will let you know if we agree with your request within thirty (30) days after we receive your written request. As part of a correction request you can also specifically designate any third parties that you think we may have provided with incorrect information about you. If we correct your information as a result of your requests, we will also provide corrected information to any third parties we may have provided incorrect information to in the past two years.

If we refuse to make a change you asked for, we will let you know the reason for our refusal and you can file a concise statement noting what you believe is the correct, relevant or fair information and the reasons you disagree with our refusal. We’ll include your statement in our records and anyone who looks at the disputed personal information will also see your statement. From then on, if we disclose your information to another party, we will include your statement. You can also specify the third parties who you think we’ve provided the disputed information to previously, and we will send a copy of your statement to those who we have provided the disputed personal information to in the past two years. If you are a resident of Massachusetts or Minnesota, you also have the right to request review of our decision by the commissioner of insurance.

These rights do not apply to certain types of information under applicable law, including:

  • Information we collect for an actual or anticipated civil or criminal proceeding; and
  • Certain types of privileged information when an applicant or policyholder is suspected of fraud, material misrepresentation, or material nondisclosure.

In some states, you may have the right to opt-out of sharing your personal information for joint marketing purposes. For those requests, please call our Annuity Contact Center at 1-800-862-6668, Monday through Thursday, 8:00 a.m. to 6:00 p.m., or Friday, 8:00 am. to 5:00 p.m., Eastern Time or submit a written request to Privacy@Talcott.com.

How will I know if Talcott changes these policies?

We reserve the right to modify our information practices at any time, as permitted by law. We will update this policy as necessary to reflect any changes to our practices.

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