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Online Privacy Statement

LAST UPDATED: November 2023 Prudential (“we” or “us”) respects your privacy, and we are committed to protecting it. This Online Privacy Statement explains how we may collect, use, share and retain information about you and your choices.

This Online Privacy Statement describes our practices in connection with information we collect when you:     • visit our websites (“Websites”)
    • receive or reply to email or other electronic communications from us
    • view or click on our ads or other Prudential online content
    • interact with us on social media or websites and applications maintained by other parties
    • use our software applications (“Apps”) on or through computers and mobile devices

collectively referred to as “Online Services”.

Other Online Services of Prudential and its affiliates may contain different privacy statements, which supplement this Online Privacy Statement. You are advised to review the privacy statement of each Prudential Online Service.

How We Collect Information

Depending on your relationship with us, we may ask you to provide certain personal information about you and your dependents/beneficiaries in order to adequately provide services. For example, you may provide us with general identification and account information such as your name, telephone number, policy or account number, mailing address, email address, or date of birth when you:

    • apply for or obtain a Prudential product or service;     • request that a Prudential representative contact you;
    • instruct us to perform a transaction;
    • fill out an online survey or form or participate in a promotion;
    • ask to receive information about our products or services;
    • register for online access to access your account; and/or
    • download, link to or use our mobile apps or those maintained by a third party

You may also provide us with your financial information and goals when you use certain services, features, and tools on our Online Services.

Unless specifically requested, we ask that you not send us, and you not disclose, any additional sensitive personal information (e.g., information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, or criminal background) through the use of the Online Services.

If you disclose any personal information relating to other people to us or to our service providers in connection with the Online Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Online Privacy Statement.

Additional Sources

We may also collect your personal information from other sources, such as publicly available databases, providers of demographic information, and social media platforms.

We also collect information through emails. From time to time, we may send you emails about our products and services. Prudential and third parties with which we contract may collect information regarding your interaction with these emails, including whether you opened the email, how long you viewed the email, and whether you opened any links in the email.

In addition, we collect “Other Information” about visitors to our Online Services. Other Information we may collect includes:

    • the number of visitors to our Online Services
    • the pages visited on our Online Services • the Online Services features used
    • how long a visitor stays on our Online Services
    • the domain name of the site from which visitors connect to our Website
    • browser and device information
    • information collected through cookies, pixel tags, and other technologies
    • information that has been aggregated in a manner such that it no longer reveals your identity

We may also collect Other Information when you download and use an App. We 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.

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 we may use and disclose it for the purposes for which we use and disclose personal information as detailed in this Statement. In some instances, we may combine Other Information with personal information. If we do, we will treat the combined information as personal information as long as it is combined.

Children

Our Online Services are not directed at nor intended for children under the age of 13. We also do not knowingly collect personal information from children under the age of 13.

Social Security Numbers

Prudential collects Social Security numbers in the course of its business activities. Prudential has a privacy policy that is designed to protect personal information, including Social Security numbers. This policy requires that Prudential have measures in place to keep all personal information about its customers and employees, and employees of our vendors and business partners, secure and confidential.

Retention Period

Prudential retains personal information for as long as needed or permitted in light of the purpose(s) for which it was obtained and consistent with applicable law.

How We Use Information

We use personal information we collect for business purposes, to:
    • process applications and transactions;
    • verify your identity (such as when you access your account information);
    • prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks
    • respond to your requests and communicating with you;
    • manage your preferences;
    • perform analytics concerning your use of our Online Services, including your responses to our emails and the pages and advertisements you view;
    • to allow you to participate in contests, prize draws, or other similar promotions and to administer those activities;
    • to resolve complaints and handle requests for data access, deletion, or correction;
    • provide you tailored content and marketing messages;
    • operate, evaluate and improve our business (including developing new products and services; improving existing products, services and Online Services; performing data analytics; and performing accounting, auditing and other internal functions);
    • debug, identify and repair errors that impair the intended functionality of our Online Services;
    • comply with and enforce applicable legal and regulatory requirements, legal process, contractual obligations and our policies;
    • to establish and defend legal rights, protect our operations and pursue available remedies or limit our damages;
    • provide you with online financial tools; and
    • manage infrastructure and other business operations.

We may also use personal information for any other purposes that we may specifically disclose at the time we collect your information.

How We Share Information

We may make personal information available to:

    • Prudential affiliates;
    • a Prudential agent or an independent financial professional to provide you with a policy quotation or other information regarding insurance and financial service products;
    • external service providers/vendors;
    • third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of Prudential businesses;
    • governmental or other public authorities (e.g., regulators, law enforcement) as permitted or required by law, or to others as required by law;
    • credit bureaus;
    • third parties for other legal reasons, such as to enforce our terms and conditions or to protect our rights, privacy, safety or property and/or that of our affiliates, you or others; and
    • for participants of retirement or group insurance plans and/or policies, upon the request of your employer or plan sponsor, we may disclose information regarding your use of our Online Services to your employer or plan sponsor or a subcontractor working for your employer or plan sponsor.

Cookies and Other Tracking Technologies

Every time you come to our Websites, our web server automatically collects certain information, including, in some instances, Personal Information, through cookies, web beacons, and other similar tracking technologies (collectively “cookies”). Cookies are small text files that are placed on your computer or mobile device when you visit a website. Cookies help the website remember information about your visit, which can make it easier to visit the website again and make the website more useful to you. Some cookies are deleted once you close your browser (session cookies), while other cookies are retained even after you close your browser so that you can be recognized when you return to a website (persistent cookies). More information about cookies and how they work is available at www.allaboutcookies.org. Generally, your email address and all other Personal Information is collected only when you voluntarily provide that data.

Cookies on our Websites are generally divided into the following categories:

Essential Cookies

These are cookies that our Site needs in order to function and that enable you to move around and use the Site and features. Without these essential cookies, the Site will not perform as smoothly for you as we would like it to, and we may not be able to provide the Site or certain services or features you request. Examples of where these cookies are used include: to determine when you are signed in, to determine when your Account has been inactive, and for other troubleshooting and security purposes.

Analytics Cookies

Analytics cookies provide us with information regarding how visitors navigate and interact with our Site. Such cookies allow us to understand, for example, more about how many visitors we have to our Site, how many times they visit us and how many times a user viewed specific pages within our Site.

We may use the information collected through cookies and related tracking technologies for the following purposes:

1. To make our Websites easier to use and generally improve its performance.

2. To gather metrics about how you interact with our Websites.

3. For security reasons.

4. To provide personalized content. For example, we may store user preferences, your default language, device and browser information, and your profile information, which includes the level of your usage of the Websites so we can identify you across devices and personalize the content you see.

Most web browsers automatically accept cookies, but you can usually change your browser settings to prevent this. If you disable cookies, your ability to use some features of the Websites may be limited. For mobile devices, you may be able to manage certain cookies using your built-in mobile device settings and controls. Any choices concerning cookies are browser and/or device specific. If you clear your cookies from your browser on any of your devices, your choices will need to be reset. You should check how to do this on your device(s) and operating systems. This Privacy Policy does not cover any use of Personal Information that a third-party service provider may directly collect from you, and we do not undertake to confirm, investigate, or police their practices.

Linking to Third-Party Services

This Online Privacy Statement does not apply to and does not address those websites, services, or communications of third parties that have their own privacy statements or to websites of other companies or third parties that are linked to our Online Services. We are not responsible for the privacy, information or practices of any third parties, including any third party operating any website or service to which the Online Services link. The inclusion of a link on the Online Services does not imply endorsement of the linked site or service by us or by our affiliates. To learn about the privacy policy of another website or service, please refer to the privacy statement for that website or service.

In addition, we are not responsible for the information collection, use, disclosure, or security policies or practices of other organizations, such as Facebook, Apple, Google, Microsoft, RIM, or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer, including with respect to any Personal Information you disclose directly to other organizations or which you enable to be disclosed to other organizations as result of your device or browser preferences through or in connection with your use of the Apps or social media pages.

Security

Prudential seeks to use reasonable administrative, technical and physical safeguards and other security measures to protect personal information within our organization. Unfortunately, no

data transmission or storage system can be guaranteed to be 100% secure. Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us through the use of the Online Services. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us at Global.Privacy@prudential.com or 1-800-PRU-HELP (778-4357).

Updating Your Information

To access online information about your Prudential account, you may register for access through https://www.prudential.com/clientenroll. We may collect information that you voluntarily provide on this site. If you would prefer to provide us with this information offline, you may call the following for service:

    • 1-800-PRU-HELP (778-4357)
    • the telephone number associated with the particular online form or
    • your Prudential representative

Changes to this Online Privacy Statement

We may amend this Online Privacy Statement at any time. When we do, we will let you know by appropriate means such as by posting the revised statement on this page with a new “Last Updated” date. Changes to this Online Privacy Statement will become effective when posted unless indicated otherwise.

Contact Us

If you have any questions after reviewing this statement, please contact us at Global.Privacy@prudential.com or 1-800-PRU-HELP (778-4357).

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Your resource for safety and security tips and resources across Prudential and Prudential offices.

Prudential Stages is an umbrella marketing name for Pruco Securities LLC, (sometimes referred to as “Pruco”) doing business as Prudential Financial Planning Services, pursuant to a separate agreement. Investment advisory products and services are made available through Pruco, a registered investment adviser.

Assurance IQ, LLC a wholly-owned subsidiary of Prudential Financial, Inc. ("Prudential") matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ issues, underwrites, or administers health plans or health insurance policies.

Annuities and Life Insurance are issued by Prudential Financial companies; The Prudential Insurance Company of America (“PICA”) or Pruco Life Insurance Company (“PLAZ”) (in New York, by Pruco Life Insurance Company of New Jersey (“PLNJ”)), all located in Newark, NJ (main office), or an unaffiliated third-party issuer: Fortitude Life Insurance & Annuity Company (“FLIAC”), located in Jersey City, NJ. Fortitude Re has retained PICA as an unaffiliated Third-Party Administrator. Variable Annuities and Variable Life Insurance are distributed by Prudential Annuities Distributors, Inc. (“PAD”), Shelton, CT (main office). Each company (PICA, PLAZ, PLNJ, FLIAC, PAD) is solely responsible for its own financial condition and contractual obligations.

Fortitude Re is the marketing name for FGH Parent, L.P. and its subsidiaries, including FLIAC. Each subsidiary is responsible for its own financial condition and contractual obligations.

FLIAC is not licensed to do business in New York, effective December 31, 2015, which had no impact on existing annuity contracts sold through FLIAC.

Fortitude Re and the Fortitude Re logo are service marks of Fortitude Group Holdings, LLC and its affiliates. Other proprietary Fortitude Re marks may be designated as such through the use of the SM or ® symbols.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ

Some of the products and services discussed on the Stages site are in development and may not be currently available.

For additional important information about the products, services and companies that make them available, please click here.*

Financial advisors who are available through the Stages channel currently offer a more limited range of products and services as compared to the range of products and services offered through other Prudential distribution channels. These advisors currently offer only insurance products issued by PICA and its affiliates (“Prudential companies”). It is generally more profitable to Prudential if you purchase insurance products that are issued by a Prudential company than a non-Prudential company.

Comprehensive financial planning offered through the Stages channel is more limited in scope than comprehensive financial planning offered through the Prudential Advisors distribution channel.

Financial advisors through the Stages channel offer a no cost consultation and provide an overview of your financial life with proposed solutions for you to consider. You will not receive a written financial plan or investment recommendations as part of the no cost consultation.

This web page is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. Prudential and its affiliates are not liable for use of the Stages platform. Clients seeking information regarding their particular investment needs should contact a financial professional.

Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. In providing this information, neither Prudential nor any of its affiliates or financial professionals is acting as your ERISA fiduciary.

 Information contained on this site does not and is not intended to constitute an advertisement, solicitation, or offer for sale in any jurisdiction outside the United States, where such use would be prohibited or otherwise regulated.

Securities and Insurance Products:

Certain securities products and services are offered through Pruco Securities, LLC and Prudential Investment Management Services, LLC, both members SIPC and located in Newark, NJ, or Prudential Annuities Distributors, Inc., located in Shelton, CT. See Statement of Financial Condition   for Prudential Investment Management Services, LLC.

Investing in securities involves risk, and there is always the potential of losing money. Asset allocation and rebalancing do not ensure a profit or guarantee against loss.

You should consider the features of the contract and/or the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information are contained in the prospectus. Please read the prospectus carefully before investing or sending money.

Not Insured by FDIC or any Federal Government Agency | May Lose Value | Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate.

All references to income certainty and guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

"Prudential Advisors" is a brand name of The Prudential Insurance Company of America and its subsidiaries.

Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, an international group incorporated in the United Kingdom or the Prudential Assurance Company, a subsidiary of M&G plc, a company incorporated in the United Kingdom.

By using this website, you agree that you have read and agree to our Terms and Conditions.