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Revised October 2006
We respect your privacy.
Western & Southern places a high value on the trust and confidence our customers place in us. Today’s technology allows information to be shared at light speed, and we share your concerns about privacy. You have our pledge that we will treat the personal information you share with us with respect and confidentiality. Please take a moment to review our Privacy Policy and see how it protects you. By visiting WSLife.com, you are accepting the practices described in this Privacy Policy.
NOTE: If you have questions about WSLife.com's Privacy Statement,
please send us an e-mail.
Our pledge to our customers:
- We collect only the information we need to serve you and conduct our business with you.
- We are committed to keeping your information confidential, and we place strict limits and controls on the use and sharing of your information.
- We make every effort to ensure the accuracy of information.
- We train all our employees about the importance of protecting customer information in regard to customer respect, privacy, confidentiality, and security.
- All of our Licensed Insurance Agents and affiliates must adhere to our Confidentiality Agreement.
- We practice and enforce procedural, physical, and electronic safeguards to protect customer information.
- Third parties who need access to customer information must have a privacy policy consistent with our own. They may use the information only to provide the services we request of them, and may not use the information for any other purpose.
- We never sell customer information.
Information we collect and where we collect it
- Through “cookies”, we capture your IP address (the number assigned to your computer when you use the Internet), your domain name, browser and platform types, time you accessed our site, and your activity while on our site. Please read our “Cookies Policy” for more details. WSLife.com does not use Web Beacons to monitor your activity on our site.
- We gather information you provide to us on applications or forms, whether on this Web site, by mail or phone, or in conversation with a Western & Southern Life agent. We collect this information to service your accounts, and to provide information to you about our products and services. This includes your name, address, e-mail address, telephone number, birth date, gender, Social Security number, assets, income, joint owners, and beneficiaries.
- Information we receive from consumer reporting agencies.
Our Disclosure Policy
- We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or as described in this Privacy Policy.
- We limit our collection and use of personal information to provide you with services or administration of financial products by Western & Southern to third parties we retain for this purpose; to tell you about products and services; or to evaluate your financial needs. This may include advising you about products or services and other opportunities we believe you would find of interest. To do this, it may be necessary to share your information with our Licensed Insurance Agents or our affiliates. When we share information with a Licensed Insurance Agent or our affiliates, we require adherence to a confidentiality agreement and/or our Privacy Policy.
- We may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. We may also provide the information we collect to a third party with whom we have a business relationship in connection with the services we provide to you. Any company with which we team must conform to our privacy standards.
- We require that these companies, including our own subsidiaries and affiliates, strictly maintain the confidentiality of this information and abide by all applicable laws. Companies within our corporate family that may receive this information are financial service providers and insurance companies. Neither we nor those to whom we provide customer information sell our customer information.
- Access to your nonpublic personal information is restricted to authorized employees who need the information to administer your business.
- We may disclose your personal information to perform necessary credit checks, to collect or report debts owed to us, and to protect our rights or property.
Privacy while Online
Western & Southern employs safeguards to keep your information private and secure while you are online. Specific Internet practices include:
- We use Secure Sockets Layer (SSL) technology to encrypt transmitted data.
- We maintain firewall barriers and authentication procedures to prevent unauthorized access.
- Use of Cookies.
- We continually review our policies and practices to stay in accord with industry standards for privacy.
- We continually test the strength of our security in order to maintain a secure Web site.
- We continually monitor our computer networks.
Please review our Security Policy.
Protecting Children’s Privacy
At Western & Southern we recognize the importance of protecting children’s privacy. It is our policy never knowingly to collect personal information from children under the age of 18. Children who do wish to transmit information to a Western & Southern company should have written permission from a parent or legal guardian.
Opting In/Opting Out of Marketing and Data Sharing
WSLife.com is unable to accommodate site visitor’s requests to opt out of receiving marketing materials. When you fill out forms on this Web site, you are, by default, allowing us to send marketing material to you.
Western & Southern Affiliates
Currently, it is not our practice to share information about you with our affiliates for any purpose other than the administration of your financial product as permitted by law. In the future, we may determine that sharing your information with our affiliates would benefit our customers through enhanced services.
Western & Southern Financial Group members covered by this policy:
The Western and Southern Life Insurance Company
Western-Southern Life Assurance Company
Western-Southern Agency, Inc.
Columbus Life Insurance Company
Capital Analysts Incorporated* **
Integrity Life Insurance Company
Fort Washington Capital Partners, Inc.
Fort Washington Investment Advisors, Inc.**
W&S Brokerage Services, Inc.*
Fort Washington Savings Company
National Integrity Life Insurance Company
Todd Investment Advisors, Inc.**
IFS Financial Services, Inc.
Touchstone Advisors, Inc.**
Touchstone Securities, Inc.*
Integrated Fund Services, Inc.
Eagle Realty Group, LLC
*member NASD/SIPC
**registered investment advisor
Notification of Privacy Policy Changes
The WSLife.com Privacy Policy may be modified occasionally, and we will post modifications on this Web site as we implement them. The date of the latest revision will always appear at the top of this page, and we encourage you to check here periodically for updates.
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