Online Privacy Policies

Last updated: April 1, 2017

Your personal information is important to us. That’s why we do so much to protect your information, while continually providing service you can count on. While no one can guarantee absolute information security, we protect your information in many ways—from working to ensure that our buildings are secure, to proactively preparing for disasters and business interruptions, to using safe and secure computing practices. We continually review and make enhancements to how we safeguard and protect customer information.

About this website

The online Privacy policy of the Principal Financial Group (Principal) applies to this website, application, or online forms, and our producer websites that link to this privacy policy. Websites operated by non-Principal Financial Group related entities may link to and from our website, but they may have different privacy policies from the one described here. Visitors should read the privacy statements of other websites they visit for information regarding their specific privacy practices.

Information collected

Principal collects personal data about you (such as your name, email address or other contact information) when you provide such information through applications, online forms, or websites, which may be captured and retained with Company retention guidelines.  The personally identifiable information collected varies depending upon the function selected and the information provided.  

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 online services.

For visitors who provide an email address or volunteer other information, such as contract information and/or site registration, we collect this information. Visitors who provide an email address may also be asked to provide feedback about our website via surveys.   Additionally, visitors may receive periodic messages from us with about new products and services or upcoming events. If you prefer you do not want to receive e-mail or other mail from us, please update your subscription and delivery services. (On my profile). If you prefer not to receive periodic messages from us, please complete the 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 Form.

Connecting with Principal on social media sites

Principal provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. We may collect information you provide by interacting with us via social media, such as photographs, opinions, or Twitter handle. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is also subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

Mobile applications information

Principal mobile applications allow you to access your accounts using wireless or mobile devices. Our privacy practices apply to any personal information or other information that we may collect through the applications.   Additional conditions may apply depending on the specific terms and use of the apps.  Refer to your mobile applications terms and use or agreements. 

Information collected by use of cookies and spotlight tags

We allow third-party companies, including Google Analytics and others, to use cookies and spotlight tags to collect certain information when you visit our website. The information helps us measure the performance of our online advertising campaigns, analyze visitor activity on our websites and utilized for other business purpose.

About 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. They 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 and site functionality.

About 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:

  1. Either clicks one of our ads and is redirected to our website, or views one of our ads and accesses our website later
  2. Performs an activity on a page containing a spotlight tag
  3. 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.

Types of cookies we use

We primarily use two types of cookies:

  1. Session cookies. These are temporary and expire when you leave our site or are inactive for a specified length of time.
  2. Persistent cookies. These store your preferences for a site, are stored on your computer, and are 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.

Internet applications

During some visits to our website we may collect session information, including page response times, download errors, what time you visited our website, how long you were on our website, if you've been to the website before, what web pages you visited, page interaction such as scrolling, clicks, and mouse overs, what type of browser you used to access our website and methods to browse away from the page. This information helps us identify ways to modify and improve our websites. Examples of information we collect and analyze include the Internet protocol (IP) address used to connect your computer to the Internet; login email address, computer and connection information such as browser type, version, and time zone setting, browser plug-in types and versions and operating systems.

Principal considers the information collected on our websites valuable. At this time, 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 Principal.

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.

Information shared

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 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.

Information disclosed

Personal information about employees or customers is only disclosed as required or permitted by law and in accordance with established company procedures.

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 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.

How we protect your information

We understand the importance of appropriately safeguarding information you provide to us in the course of business operations. It is our practice to protect the confidentiality of this information, limit access to this information to those with a business need, and not disclose this information unless required or permitted by law.

We have comprehensive security practices and procedures in place to protect data entrusted to us. These procedures and related standards include limiting access to data and regularly testing and auditing our security practices and technologies.

Employees and temporary workers are required to follow policies and procedures plus complete confidentiality training to understand the requirement of maintaining the confidentiality of customer information. If they fail to do so, they are subject to disciplinary action.

All employees are required to complete privacy, security, ethics and compliance training. We also offer a wide variety of other training to all employees and temporary workers to help us achieve our goal of protecting your information.

Do Not Contact or Call Requests

We comply 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 the Canada Do Not Email Form.

Accuracy of 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.

Children’s privacy online

Our website is 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.

Effective date

This online Privacy policy is effective as of June 2007. 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.