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Privacy Policy

Online Privacy Notice

Last Update: June 7, 2022

CL Life and Annuity Insurance Company (“CL Life”, “we”, “us”, or “our”) recognizes the importance of keeping the Personal Information you provide to us private and secure. CL Life has developed this comprehensive privacy policy (“Policy”) to describe the processing of Personal Information that is provided, collected, or shared on our website(s) (www.CLLife.com), domain, or any additional online service we provide for your use (collectively, “Services”), and your choices about the collection, sharing, and use of your Personal Information.

Accessing and using the Services, you (also referred to as “your”) agree to be bound by the terms of this Policy. If you do not agree with the terms of this Policy, you should immediately cease all use of the Services.

  1. What is Personal Information?

“Personal Information” is information that, either alone or in combination with other information, identifies, or relates to a particular individual. Examples of Personal Information include, among others, name, email address, mailing address, health information, and online identifiers.

  1. Types of Personal Information We May Collect

A. Personal Information that you provide to us

To support your use of the Services, we may request you provide certain types of Personal Information via forms, surveys, and applications, including, but not limited to:

  • Name,
  • Mailing Address,
  • Username,
  • Date of Birth,
  • Login credentials,
  • Social Security number,
  • Driver’s license number,
  • Employment Information, or
  • Health Information

B. Personal Information that we automatically collect from you

  • Cookies, Device Identifiers, and Similar technologies

Cookies are small data files that are transferred to your computer’s hard disk and are used to store information about website visits, your preferences, and enhances website functionality. To improve your overall experience with the Services, we may use cookies, device identifiers, and similar technologies such as pixels, web beacons, and local storage for the following purposes: to improve the functionality of the Services, to remember your online preferences within the Services, to facilitate navigation through the Services, and to help us better understand how you interact with the Services.

Most browsers provide you with the ability to block, delete, or disable cookies, and your mobile device may allow you to disable transmission of unique identifiers and location data. If you choose to reject cookies or block device identifiers, some features of the Services may not be available, or some functionality may be limited or unavailable.  Please review the help pages of your browser or mobile device for assistance with changing your settings.

Some of our service providers may use cookies or other methods to gather information regarding your use of the Services, and may combine the information in these cookies with any Personal Information about you that they may have. The use of such tracking information by a third party depends on the privacy policy of that third party. We do not respond to Do Not Track (“DNT”) signals sent to us by your browser at this time. To learn more about how DNT works, please visit http://allaboutdnt.com/.

  • Advertising

We may engage third parties, including social media platforms, who may use cookies, pixel tags, and other storage technologies to collect or receive information from the Services or elsewhere on the internet to provide marketing services to us, including targeted advertising. If you want to learn more, including how you may opt-out of targeted advertising, you should visit the following sites: https://www.aboutads.info/choices/https://www.networkadvertising.orghttps://www.youradchoices.com  (please note: we does not operate or control these third party sites, and there may be additional ways for you to opt out of online advertising).  Please note that by opting out, you will continue to see ads, but the ads may not be as relevant to your interests.

  • Log File Information

When you use the Services, our servers and systems automatically record information, including your Internet Protocol address (“IP Address”), browser type, referring URLs (e.g., the site you visited before coming to the Services), domain names associated with your internet service provider, information on your interaction with the Services, and other such information (collectively, “Log File Information”). We may also collect similar information from emails sent to you which then help us track which emails are opened and which links are clicked by recipients.

  1. How We Use Personal Information

We use or in the future may potentially use Personal Information for the following purposes:

  • Offering the Services to you,
  • Administering and improving the Services,
  • Sending you marketing, advertisement, and promotional materials,
  • Protecting our property and legal rights,
  • Meeting legal obligations, and
  • For other purposes related to the reasons for which you provide Personal Information.
  1. Disclosure of Personal Information

We may share your Personal Information in the following circumstances:

  • Service Providers. We engage service providers to help operate the Services, market promotions, process payments, or to perform administrative tasks. We may grant certain service providers access to Personal Information as necessary to perform the services for which we engaged them.
  • Companies Involved in Mergers and Acquisitions Transactions.  If we sell or otherwise transfer part or the whole of our business or assets to another organization (e.g., in the course of a transaction like a merger, acquisition, bankruptcy, dissolution, or liquidation), Personal Information may be transferred along with the business. When legally required we will give you prior notice and if you have a legal right to do so, an opportunity to object to this transfer.
  • Law Enforcement, Government Agencies, and Courts.  We may disclose Personal Information at the request of law enforcement or government agencies; in response to subpoenas, court orders, or other legal processes; to establish, protect, or exercise our rights; to defend against a legal claim; to protect the rights, property, or safety of any other person; or as otherwise required by law.
  1. Protection of Personal Information

In accordance with industry standards, we use administrative, technical, and physical security measures to help protect your Personal Information under our control.

However, we cannot guarantee the security of Personal Information during its transmission or its storage. Further, while we attempt to ensure the integrity and security of Personal Information, we cannot guarantee that our security measures will prevent third parties such as hackers from illegally obtaining access to Personal Information. We do not represent or warrant that Personal Information about you will be protected against, loss, misuse, or alteration by third parties.

  1. Your Choices

A . Retention and Deletion

We retain Personal Information for as long as useful or permitted to further the purposes of collection. You can request deletion of your Personal Information. We provide information on how to do that below. Remember, though, that even if you request deletion of your Personal Information, we may keep certain Personal Information for a time after your deletion request to comply with legal or recordkeeping requirements. Also, we may not always be able to delete all of your Personal Information because of technical or other constraints.

B. Updating and Access to Your Personal Information

If you wish to change your name, e-mail address, password, and/or communication preferences after you have registered, you may request these changes by contacting us using the below details.

  1. Children’s Privacy

We do not knowingly collect or solicit any Personal Information from children under the age of 16, without statutorily required parental consent. In the event that we learn that we have collected Personal Information from a child, we will promptly take steps to delete the Personal Information.

  1. Links to Third-Party Websites

We are not responsible for the practices employed by any websites or services linked to or from the Services, including the information or content contained within them. We encourage you to investigate and ask questions before disclosing Personal Information to third parties, since any Personal Information disclosed will be subject to the applicable third party’s privacy policy.

  1. Opting Out of Receiving Electronic Communications

To provide you information regarding the Services, we may send you promotional materials or other information via email (“Communications”). You may choose to stop receiving Communications by clicking on the conspicuous “Unsubscribe” link located at the bottom of any email we send to you. Please note that certain Communications are necessary for the proper functioning and use of the Services and you may not have the ability to opt out of those Communications.

  1. Updates to this Policy

We may modify or update this Policy from time to time, so please review it periodically. If we make a change to this Policy that, in our sole discretion, is material, we will notify you as appropriate under the circumstances. Unless otherwise indicated, any changes to this Policy will apply immediately upon posting to the Services.

  1. Contact Us

If you have any questions about our practices or this Policy, please contact us:

  • By email: info@CLLife.com; or
  • By mail:   CL Life and Annuity Company
    Administrative Office
    P.O. Box 11525
    Winston-Salem, NC 27116

12. Cookies

Our website uses cookies.

We will ask you to consent to our use of cookies in accordance with the Terms & Conditions when you first visit our website. By using our website and agreeing to these terms, you consent to our use of cookies in accordance with the terms of this policy.

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

Cookies can be used by web servers to identify and track users as they navigate different pages on a website and identify users returning to a website.

Cookies may be either "persistent" cookies or "session" cookies.

A persistent cookie consists of a text file sent by a web server to a web browser, which will be stored by the browser and will remain valid until its set expiry date (unless deleted by the user before the expiry date).

A session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

We use the following cookies on our website:

Session State Cookie

A cookie that maintains session state between requests.

Load Balancing Cookie

A cookie that remains for the duration of session and routes browser requests to the correct web server.

Analytics Cookies

Cookies that collect information about how visitors use our site. We use the information to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.