Privacy Statement

Last Revised 11/10/2006


(Effective as of November 2006)

This website, which is hosted by eMoney Advisor, LLC (eMoney), is provided by New York Life ("we") for your use and your Agent’s use.

How We Safeguard Your Privacy

We know that keeping your personal information private is important to you. That's why the New York Life Family of Companies* wants you to know how we protect the information you share with us and the measures we take to safeguard your information.

We have built our business on a foundation of integrity, honesty, and trust. These values are reflected in our longstanding commitment to protect your privacy.

Our Online Privacy Pledge

To meet our users' insurance and financial needs, we gather and maintain many types of information. To preserve your privacy we pledge to:

Our Online Information Practices

We use this website to support our generation of financial, retirement and estate plans for our clients. In connection with such activities, your Agent collects extensive information from you concerning you, your family and your finances. The data collected includes, but is not limited to, your name, address and phone number, family information (such as the names and ages of your family members) and detailed financial information including all information required to calculate a net worth statement. This data is normally entered by the Agent into and stored in the databases for this website and is used by us to generate financial, retirement and estate plans.

If you want to use the account aggregation function (currently called Connections), you will have to provide this website with your account information and login credentials so that our vendors can retrieve your account information from the accounts you select for aggregation.

Whenever you supply personal information, it is kept secure and used solely to service your account or to assist with a support related problem.

We may disclose information to non-affiliated entities as authorized by you in connection with the eMoney Wealth Management Solution. We and eMoney may also disclose information stored in the databases for this website without your permission when required by law, such as to respond to a subpoena, to prevent fraud, or to comply with an inquiry by a governmental agency.

Safeguarding Your Information

We and eMoney strive to protect your information stored in the databases for this website against loss, misuse, alteration and destruction. We regularly assess and enhance our security standards, procedures, and technology with the goal of providing physical, electronic and procedural safeguards compliant with applicable state and federal laws, rules and regulations.

All information you supply electronically to this website is encrypted during transmission and then stored on a secure server. However, you should be aware that e-mail messages you send to us are not encrypted and thus cannot be considered fully secure. Non-encrypted e-mail can be intercepted and viewed by other Internet users without your knowledge or consent. Thus, if the content of your email message is highly sensitive or contains confidential information (e.g., Social Security number or policy/account numbers) or financial information, we suggest that you not send such communication by email and instead you should send it to us via regular mail.

Access to information gathered on our websites is limited to people who need the information to perform their job responsibilities as part of servicing your account or assisting with a support related problem.

Third parties with whom we contract, such as eMoney, are required to properly secure your personal information in accordance with all applicable state and federal regulations.

You are responsible for maintaining the confidentiality and security of your login credentials including your username and password. You should not share this information with anyone, as this would allow an individual to access all your confidential personal information maintained in the databases for this website.

Cookies

A cookie is a piece of data stored on a user's hard drive containing information about the user. This website uses session cookies containing encrypted or encoded information. Session cookies allow this website to process your online requests. Session cookies also help this website validate who you are after you have logged into the website. Session cookies exist during an online session. Session cookies become invalid when you completely close your browser software for the session in which they were created.

Keeping Up-To-Date With Our Privacy Policy

This online privacy policy takes effect November 2006. We reserve the right to change this privacy policy. You can always review the current privacy policy by clicking on the link provided at the bottom of every page of this website.

* The New York Life Family of Companies (also referred to as "the New York Life Family," "we," "our," or "us" throughout this notice) currently includes the following affiliates and funds:

New York Life Insurance Company New York Life Trust Company
New York Life Insurance and Annuity Corporation New York Life Trust Company, FSB
New York Life International, LLC NYLIFE Distributors LLC
New York Life Investment Management LLC NYLIFE Insurance Company of Arizona
Eagle Strategies LLC NYLIFE Securities INC.
Eclipse Funds NYLIM Service Company LLC
MainStay Funds NYLINK Insurance Agencies
MainStay VP Series Fund, Inc. NYL Executive Benefits LLC


Acceptance of These Terms

This Privacy Policy is incorporated into and subject to the terms of our Terms of Service. Use of our services is subject to those Terms. Each time you use our services you signify that you have read, understood and agree to be bound by the Terms, which incorporates this Privacy Policy. If you do not agree to the terms of this Privacy Policy or with any other provisions in the Term of Service, please do not provide us with any information and do not use this website. Your continued use of our services in light of changes to this Privacy Policy will signify your acceptance of the changes.

Our Commitment to You

At New York Life, we strive to provide you with the most comprehensive source of life insurance and financial products information on the Web. When we ask for personal information of any kind, or give you with the opportunity to supply such information, it is solely to improve our ability to meet your needs and respond to your requests. We will continue to do whatever we can to protect your privacy at our site.