Online Privacy Policies

Last updated: March, 2014

Please review the privacy policies of the Principal Financial Group®. The policies outline personally identifiable information that we collect through this website, as well as any third parties with which we share the collected personally identifiable information.

Personally identifiable information collected

When an individual consumer visits this website, we may collect certain kinds of personally identifiable information. The information we collect will vary depending upon the function selected and the information provided. For example, we may collect the following categories of personally identifiable information (when you specifically and knowingly provide it):

  • Name
  • Physical address
  • Email address
  • Birthday
  • Phone number
  • Policy information
  • Social Security Number
  • Account information

For individuals that login as representatives of a business or corporate account, we may gather information based on your relationship with our organization for the purposes of providing customized services online.

Information about collecting email addresses

We collect the email addresses of visitors to our website when visitors provide them, the email addresses of those who communicate with us via email, and information volunteered by the visitor, such as survey information, contract information and/or site registrations. Please note we do not automatically collect email addresses from our website visitors. Visitors may be surveyed for feedback concerning this website.

If you supply us with your email address online, you may receive periodic messages from us with information on new products and services or upcoming events. If you prefer not to receive periodic messages with information on new products and services or upcoming events, please complete this do not contact form. This form also allows you to add your telephone number, postal address and fax number to a "do not contact" list. Canadian residents should complete the Canada do not email request form.

Safeguarding personally identifiable information

The Principal Financial Group understands the importance of appropriately safeguarding the personally identifiable information we obtain in the course of business operations. The Principal Financial Group may collect Social Security numbers in the course of its business activities. It is our practice to protect the confidentiality of this information, limit access to this information to those with a business need, and to not disclose Social Security numbers unless required or permitted by law.

Protecting children's privacy

The Principal Financial Group websites are not directed toward children. We do not knowingly collect or post information from children under the age of 13. You can learn more about children's privacy and the Children's Online Privacy Protection Act (COPPA) at the Federal Trade Commission's website.

Non-personally identifiable information collected via cookies

The Principal does not collect any personal data about you (such as your name, email address or other contact information) except when you specifically and knowingly provide such information.

We do allow third-party companies, including AddThis, Google Analytics and others, to use cookies and spotlight tags to collect certain anonymous, non-personally identifiable information when you visit our website. This helps us measure the performance of our online advertising campaigns and analyze visitor activity on our websites.

Type of information collected by cookies

The information collected may include things like what time you visited our website, how long you were on our site, if you've been to the site before, what web pages you visited, and what type of browser you used to access our website. This information helps us identify ways to modify and improve our websites.

The Principal considers the information collected on our websites valuable. At this time The Principal does not respond to do-not-track signals or similar technologies sent by a browser setting. However, visitors will continue to have the ability to control cookie settings for websites of The Principal.

Definition of cookies

Cookies are used to store information on your computer and are a way to have your web browser "remember" specific bits of information about your previous visits to our site. Cookies do not spy on you or otherwise invade your privacy, and they cannot invade your hard drive or steal information.

What cookies do

Cookies allow you to access secured information, conduct secured transactions, and take advantage of promotional opportunities. They are designed to help you have a better user experience within our website and we use the information to improve our site content.

Types of cookies we use

We primarily use two types of cookies. The first type are session cookies, which are temporary and expire when you leave our site or are inactive for a specified length of time.

The second type are persistent cookies. These types of cookies store your preferences for a site, are stored on your computer and is read by your browser each time you visit the website.

How we use cookies

Different websites store the information in cookies differently. We do not collect personal or sensitive information in our cookies. Any such information is stored in our protected systems and not in the cookie or on the Internet.

How you can control what data is collected through cookies

Most web browsers automatically accept cookies, but you can usually alter the setting of your browser to prevent that. However, doing so may limit your access to certain sections of our website, including account information found behind the log in.

If you do not wish to receive cookies, please refer to the help section of your Internet browser (Chrome, Safari, Firefox, Internet Explorer,etc.) to learn how to either block all cookies or receive a warning before a cookie is stored on your computer.

In addition to altering the cookie settings on your browser, you can also install the Google Analytics Opt-out Add-on, which prevents Google Analytics from collecting information about your website visits.

What are spotlight tags?

Spotlight tags analyze behavior of users who have previously clicked or viewed one of our online advertisements. At no time do spotlight tags record user name, password, email, IP home addresses, etc. Spotlight activities are reported only if they are created by a user who meets the following three criteria:

  • Either clicks one of our ads and is sent to our website, or views one of ours ads and accesses our website later
  • Performs an activity on a page containing a spotlight tag
  • Performs this activity within 30 days of clicking and/or viewing one of our ads

To learn more about this type of technology or to opt-out of ad network advertising, please visit the Network Advertising Initiative website.

Do not contact requests

The Principal Financial Group complies with all Federal regulations related to do not call or do not email requests by customers. We will not call customers for the purpose of product sales who have specifically asked to be put on the do not call list. We retain the right to contact any customer for service-related issues. If you do not wish to be contacted by phone or fax, you can indicate this on the do not contact form. Canadian residents should complete this Canada do not email request.

Information sharing practices

We may share the information we collect about you with other member companies of the Principal Financial Group for a variety of purposes. For example we share information to assist us in providing service and account maintenance; to help us design and improve products; and to offer products and services that may be of interest to you.

We may disclose the information we collect about you in response to a subpoena; to prevent fraud; to comply with an inquiry by a government agency or other regulator; or as necessary for other legal purposes.

We may disclose information to third party service providers that perform services for us in the processing or servicing of your transaction, or with third parties that perform marketing or other services on our behalf. Third parties with whom we may have joint marketing agreements include financial services companies (such as other insurance companies, banks or mutual fund companies). We also may disclose information about you to third parties with your consent or at your direction or otherwise as permitted by law.

We may share information with third parties that offer products or services that we believe may be of interest to you. Before we do so, we will provide you with a notice and an opt out form, which will permit you to say no to such sharing.

We do not share medical information

The member companies of the Principal Financial Group that collect medical information do not share medical information with affiliates or with third parties for any purpose other than for providing and servicing your policies, accounts, claims or contracts; as allowed by the relevant laws protecting your privacy; or in circumstances where you consent. Not all member companies of the Principal Financial Group collect medical information.

We maintain accurate information

We strive to keep our records accurate and will make appropriate corrections when you notify us. Please let us know if there is incorrect information in any statements or other communications that you receive from us.

If you would like to correct or update your personally identifiable information, please contact us by sending a letter via postal mail or through our online contact us reply form. For your protection we will follow procedures to verify your identity before providing this information.

Links to other sites

The privacy policies of the Principal Financial Group apply only to this website and our producer websites that link to this privacy policy. Websites operated by non-Principal related entities may link to and from our website and may have different privacy policies from the ones described here. Visitors should read the privacy statements of other websites they visit for information regarding their specific privacy practices.

Certified secure site

This website is tested and certified daily by McAfee, a dedicated technology security company. More about our online security policies.

Effective date

This online privacy policy is effective as of June 2007. The Principal may make changes to our online privacy policies occasionally. If we change it, we will post the current statement on this page. We recommend that visitors to our site review our online privacy policies from time to time to learn of new privacy practices and changes to our policies.