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Privacy Policy

Last Updated: March 27, 2014

American International Group (“AIG”) and its subsidiaries and affiliates (each an “AIG Company”, “AIG Companies”, “we” or “us”) is committed to protecting the privacy of the individuals we encounter in conducting our business. “Personal Information” is information that identifies and relates to you or other individuals (such as your dependents). This Privacy Policy describes how we handle Personal Information that we collect through:

     l  This website (“the Site’) by means of the software applications made available by us for use on
         or through computers and mobile devices (the “Apps”), through our social media pages and
         related Apps linked at:
http://www.aig.com/social-media_3171_442101.html  (our “Social Media
         Pages”) (collectively, including the Site, the Apps and our Social Media Pages, referred to as
         the “AIG On-line Services”); and


     l   Other means (for example, from your application and claim forms, telephone calls, e-mails and
          other communications with us, as well as from claim investigators, medical professionals,
          witnesses or other third parties involved in our business dealings with you).



By using the AIG On-line Services, you signify your acceptance of this Privacy Policy.

Please note: This Privacy Policy is supplemented by Privacy Notices tailored to our specific relationships with you, including Privacy Notices that are sent to individuals as required under applicable laws and regulations.

Other websites and services of AIG Companies both within and outside of the United States of America contain different privacy statements to this Privacy Policy, and you are advised to review the privacy statement on each AIG Company website.

For information about our "AIG Careers Site Policy," please 
click here.


1. Who To Contact About Your Personal Information

You may contact us through the “Contact Us” hyperlink within this site.

For questions relating to: an AIG variable annuity, please call 1-800-445-7862; a fixed, index, immediate or deferred income annuity, 1-800-424-4990; an older “SunAmerica” fixed annuity, call 1-888-333-2349; or an Ovation variable annuity, call 1-800-255-8402.


2. Personal Information That We Collect

Depending on your relationship with us (for example, as a consumer policyholder; insured person benefiting under another policyholder’s policy, or claimant; witness; commercial broker or appointed representative; or other person relating to our business), Personal Information collected about you and your dependents may include:

     l   General identification and contact information
          Your name; address; e-mail and telephone details; gender; marital status; family status; date of
          birth; passwords on our systems; educational background; physical attributes; activity records,
          such as driving records; photos; employment history, skills and experience; professional licenses
          and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death,
          injury or disability.

     l   Identification numbers issued by government bodies or agencies
          Social Security or national insurance number; passport number; tax identification number;
          military identification number; or driver’s or other license number.

     l   Financial information and account details
          Payment card number; bank account number and account details; credit history and credit
          score; assets; income; and other financial information.

     l   Medical condition and health status
          Current or former physical or mental or medical condition; health status; injury or disability
          information; medical procedures performed; personal habits (for example, smoking or
          consumption of alcohol); prescription information; and medical history (if applicable).

     l   Other sensitive information
          In certain cases, we may receive sensitive information about you for example, if you apply for
          insurance through a third party that is a professional, trade, political, religious or community
          organization. In addition, we may obtain information about your criminal record or civil litigation
          history in the process of preventing, detecting and investigating fraud. We may also obtain
          sensitive information if you voluntarily provide it to us (for example, if you express preferences
          regarding medical treatment based on your religious beliefs).

     l   Telephone recordings
          Recordings of telephone calls to our representatives and call centers.

     l   Information to investigate or prevent crime, including fraud and money laundering
          For example, insurers commonly share information about their previous dealings with
          policyholders and claimants for this purpose.

     l   Information enabling us to provide products and services
          Age categories of individuals you wish to insure; policy and claim numbers; coverage details;
          cause of loss; prior accident or loss history; your status as director or partner, or other
          ownership or management interest in an organization; and other insurance you hold.

     l   Marketing preferences and customer feedback
          You may let us know your marketing preferences, enter a contest or prize draw or other sales
          promotion, or respond to a voluntary customer satisfaction survey.

     l   Social media account and information from Apps
          We may receive certain Personal Information about you when you use our Apps or Social Media
          Pages, including your social media account ID and profile picture. If you elect to connect any of
          your other social media accounts to your account(s) on the AIG On-line Services, Personal
          Information from your other social media account(s) will be shared with us, which may include
          Personal Information that is part of you profile relating to those accounts or your friends’ profiles.


3. How We Use Personal Information

We use this Personal Information:

     l   Communicate with you and others as part of our business.

     l   Send you important information regarding changes to our policies, other terms and conditions,
          our AIG On-line Services and other administrative information.

     l   Make decisions about whether to provide insurance and assistance services, and other products
          and services which we offer, and provide such products and services, including claim
          assessment, processing and settlement; and, where applicable, manage claim disputes.

     l   Assess your eligibility for payment plans, and process your premium and other payments.

     l   Provide improved quality, training and security (for example, with respect to recorded or
          monitored phone calls to our contact numbers).

     l   Prevent, detect and investigate crime, including fraud and money laundering, and analyze and
          manage other commercial risks.

     l   Carry out market research and analysis, including satisfaction surveys.

     l   Provide marketing information to you (including information about other products and services
          offered by selected third-party partners) in accordance with preferences you have expressed.

     l   Personalize your experience when using our AIG On-line Services by presenting information
          and advertisements tailored to you.

     l   Identify you to anyone to whom you send messages through any of the AIG On-line Services.

     l   Allow you to participate in contests, prize draws and similar promotions, and to administer these
          activities. Some of these activities have additional terms and conditions, which could contain
          additional information about how we use and disclose your Personal Information, so we suggest
          that you read these carefully.

     l   Facilitate social sharing functionality.

     l   Manage our infrastructure and business operations, and comply with internal policies and
          procedures, including those relating to auditing; finance and accounting; billing and collections;
          IT systems; data and website hosting; business continuity; and records, document and print
          management.


     l   Resolve complaints, and handle requests for data access or correction.


     l   Comply with applicable laws and regulatory obligations (including laws outside your country of
          residence), such as those relating to anti-money laundering, sanctions and anti-terrorism;
          comply with legal process; and respond to requests from public and governmental authorities
          (including those outside your country of residence).


     l   Establish and defend legal rights; protect our operations or those of any of our group companies
          or business partners, our rights, privacy, safety or property, and/or that of our group companies,
          you or others; and pursue available remedies or limit our damages.



4. International Transfer of Personal Information

Due to the global nature of our business, for the purposes set out above we may transfer Personal Information to parties located in other countries. We may transfer information internationally to our group companies, service providers, business partners and governmental or public authorities. By providing Personal Information and other information through the AIG On-line Services, and/or by sending a communication to an AIG Company e-mail address, you understand and consent to the collection, use, processing disclosure and transfer of such information in the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Privacy Policy. Further, please note that any communication you send to an AIG Company e-mail address will be routed through the United States.


5. Sharing of Personal Information

AIG may make Personal Information available to:

     l   Our group companies
          Other AIG group companies may have access to and use of Personal Information in connection
          with the conduct of our business where appropriate.

     l   Other insurance and distribution parties
          In the course of marketing and providing insurance and processing claims, AIG may make
          Personal Information available to third parties such as other insurers; reinsurers; insurance and
          reinsurance brokers and other intermediaries and agents; appointed representatives; distributors;
          affinity marketing partners; and financial institutions, securities firms and other business partners.

     l   Our service providers
          External third-party service providers, such as medical professionals, accountants, actuaries,
          auditors, experts, lawyers and other outside professional advisors; call center service providers;
          IT systems, support and hosting service providers; printing, advertising, marketing and market
          research and analysis service providers; banks and financial institutions that service our
          accounts; third-party claim administrators; document and records management providers; claim
          investigators and adjusters; examiners; jury consultants; translators; and similar third-party
          vendors and outsourced service providers that assist us in carrying out business activities.

     l   Recipients of your social sharing activity
          Your friends associated with your social media account(s), other website users and your social
          media account provider(s), in connection with your social sharing activity, such as if you connect
          another social media account to your AIG On-line Services account or log into your AIG On-line
          Services account from another social media account. By connecting your AIG On-line Services
          account and your other social media account you authorize us to share information with your
          social media account provider and you understand that the use of the information we share will
          be governed by that other social media website’s privacy policy. If you do not want your Personal
          Information shared with other users or with your other social media account provider(s), please
          do not connect other social media accounts with your AIG On-line Services account and do not
          participate in social sharing using our AIG On-line Services.

     l   Governmental authorities and third parties involved in court action
          AIG may also share Personal Information with governmental or other public authorities (including,
          but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and
          criminal investigations agencies); and third-party civil legal process participants and their
          accountants, auditors, lawyers and other advisors and representatives as we believe to be
          necessary or appropriate: (a) to comply with applicable law, including laws outside your country
          of residence; (b) to comply with legal process; (c) to respond to requests from public and
          government authorities including public and government authorities outside your country of
          residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any
          of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our
          group companies, you or others; and (g) to allow us to pursue available remedies or limit our
          damages.

     l   Other Third Parties
          We may share Personal Information with payees; emergency providers (fire, police and medical
          emergency services); retailers; medical networks, organizations and providers; credit bureaus;
          credit reporting agencies; and other people involved in an incident that is the subject of a claim;
          as well as purchasers and prospective purchasers or other parties in any actual or proposed
          reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to
          all or any portion of our business, assets or stock.

Personal Information may also be shared by you, on message boards, chat, profile pages and blogs, and other services to which you are able to post information and materials (including, without limitation, our Social Media Pages and Apps). Please note that any information you post or disclose through these services will become public information, and may be available to visitors who access the AIG On-line Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the AIG On-line Services.


6. Security

AIG will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify us. (See the “ Who to Contact About Your Personal Information ” section above.)

When AIG provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal Information.

If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.


7. Personal Information of Other Individuals

If you provide Personal Information to AIG regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable AIG Privacy Notice provided to you; and (b) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy and other Privacy Notice.
 

8. Social Security Numbers

It is AIG’s policy to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. We also limit access to Social Security Numbers, by among other means, only granting access to Social Security Numbers to our employees who use that information to perform their job-related duties. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.
 

9. Questions and Concerns

Please contact us as set out in the “ Who to Contact About Your Personal Information ” section above with any such requests or if you have any questions or concerns about how we process Personal Information.
 

10. Other Information We Collect Through our AIG On-line Services

“Other Information” is any information that does not reveal your specific identity, such as:
 
     l   Browser and device information;

     l   App usage data;

     l   Information collected through cookies, pixel tags and other technologies;

     l   Demographic information and other information provided by you; and

     l   Aggregated information

How We Collect Other Information

We and our third-party service providers may collect Other Information in a variety of ways, including:

     l   Through your browser or device: Certain information is collected by most websites or
          automatically through your device, such as your IP address (i.e., your computer’s address on
          the internet), screen resolution, operating system type (Windows or Mac) and version, device
          manufacturer and model, language, internet browser type and version, time of the visit, page(s)
          visited and the name and version of the AIG On-line Services (such as the App) you are using.
          We use this information to ensure that the AIG On-line Services function properly.

     l   Through your use of the App: When you download and use the App, we and our service
          providers may track and collect App usage data, such as the date and time the App on your
          device accesses our servers and what information and files have been downloaded to the App
          based on your device number.

     l   Using cookies: Cookies are pieces of information stored directly on the computer you are using.
          Cookies allow us to recognize your computer and to collect information such as internet browser
          type, time spent on the AIG On-line Services, pages visited, language preferences, country
          website preference. We may use the information for security purposes, to facilitate navigation,
          to display information more effectively, to personalize your experience while using the AIG
          On-line Services, or to gather statistical information about the usage of the AIG On-line Services.
          Cookies further allow us to present to you the advertisements or offers that are most likely to
          appeal to you. We may also use cookies to track your responses to our advertisements and we
          may use cookies or other files to track your use of other websites.

          You can refuse to accept cookies we use by adjusting your browser settings. However, if you do
          not accept these cookies, you may experience some inconvenience in your use of the Site and
          some online products.

     l   Using pixel tags, web beacons, clear GIFs or other similar technologies: These may be
          used in connection with some AIG On-line Services and HTML-formatted e-mail messages to,
          among other things, track the actions of users of the AIG On-line Services and e-mail recipients,
          measure the success of our marketing campaigns and compile statistics about usage of the AIG
          On-line Services and response rates.

          We use Adobe SiteCatalyst HBX analytics service, which uses cookies and web beacons to
          help us understand more about how our website is used by consumers so we can continue to
          improve it. Adobe does not have the right to use the information we provide to them beyond what
          is necessary to assist us. For more information on Adobe SiteCatalyst HBX, go to 
          http://www.adobe.com/content/dotcom/en/privacy/analytics.html.

     l   Using your Physical Location: We may collect the physical location of your device by, for
          example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical
          location to provide you with personalized location-based services and content. We may also
          share your device’s physical location, combined with information about what advertisements you
          viewed and other information we collect, with our marketing partners to enable them to provide
          you with more personalized content and to study the effectiveness of advertising campaigns. In
          some instances, you may be permitted to allow or deny such uses and/or sharing of your
          device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing
          partners may not be able to provide you with the applicable personalized services and content.

     l   Using information provided by you: Some information (for example, your location or preferred
          means of communication) is collected when you voluntarily provide it. Unless combined with
          Personal Information, this information does not personally identify you.

     l   By aggregating information: We may aggregate and use certain information (for example, we
          may aggregate information to calculate the percentage of our users who have a particular
          telephone area code).

Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then, in addition to the uses listed in the “ Other Information We Collect ” section above, we may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.

11. Third Party Privacy Practices

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the AIG On-line Services link. The inclusion of a link on the AIG On-line Services does not imply endorsement of the linked site or service by us or by our group companies.

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other software application developer or provider, social media platform, operating system or wireless service provider, or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the Apps or our Social Media Pages.

12. Use of Services by Minors

The AIG On-line Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the AIG On-line Services.
 

13. Changes to This Privacy Policy

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements. We will place updates on our website.

Please take a look at the “ LAST UPDATED ” date at the top of this Privacy Policy to see when it was last revised.
 

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