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Prudential Financial respects customers’ rights regarding the disclosure of their information. Our commitment to our customers’ privacy is set forth in our privacy brochure, Your Financial Security, Your Satisfaction & Your Privacy.
Prudential also understands the specific concerns of Internet users about what information is being collected and how it is being collected and used on Internet websites. Accordingly, we have extended our commitment above to users of our site, www.prudential.com (hereinafter, the “website”). This commitment is described below and sets forth how we handle your personal information, and what steps Prudential takes to protect your privacy when it is collected by us on our website.
Prudential gathers information about visitors to our website to improve the caliber of online information and services offered. There are two forms of data that Prudential collects on our website: Site Visitorship Data and Personal Information Data. How we collect this information and what we do with it is discussed below.
Prudential routinely gathers data on website activity. This information, “Site Visitorship Data,” is collected on an aggregate basis on public areas of our website, or on an individual basis on areas of our website that require website visitors to logon using an access code (e.g., userID and/or password). Site Visitorship Data may include information such as (i) how many people visit our website; (ii) the pages they visit and the features they use; (iii) how long they stay on our website; and (iv) the domain name of the Internet website from which visitors are connecting. Site Visitorship Data is generally gathered through the use of cookies.
A “cookie” is a small piece of information that an Internet site sends to a visitor’s computer. In some cases, it is stored on the visitor’s hard drive. Cookies can save the visitor’s name, access codes, screen preferences, the pages of the site viewed by the visitor, and the advertisements viewed or clicked by the visitor. Visitors may decline receipt of the Internet cookie by using the appropriate feature of their Web software, if available. Declining the Internet cookie may, however, interfere with a visitor’s ability to view certain content in our website.
Prudential collects Personal Information Data such as name, address, phone number, e-mail address, etc. that website visitors provide when they complete any online form, application, survey, or when they request a quote for insurance.
Information provided in a request for service or information is forwarded to the Prudential subsidiary or business that will respond to the request. Requests for information or service relating to buying or selling a home are forwarded to the independently owned and operated Prudential real estate franchisee able to respond to the request, along with the information provided by the website visitor.
Any information a website visitor submits to obtain an insurance quotation will be provided to a Prudential agent if the visitor uses the online application to request an appointment with an agent. The agent may be a Prudential employee or a non-employee agent.
Information collected by Prudential on our website may be used by us for a variety of purposes, including:
- Editorial and feedback purposes
- Marketing and promotional purposes
- Statistical analysis of users’ behavior
- Product development
- Content improvement
- To inform advertisers how many visitors have seen or clicked on their advertisements
- Customize content and layout of our website
This website is not directed toward children. Prudential does not knowingly collect or post information from children under the age of eighteen (18). Prudential encourages parents and guardians to spend time online with their children and to participate with them in the various interactive activities available on the Internet.
Prudential may share personal information collected from visitors to our website with Prudential subsidiaries and/or non-affiliated third parties for marketing purposes subject to the visitor’s exercise of his/her opt-out right (see “It’s Your Choice” below). Prudential will disclose only information that is knowingly and voluntarily disclosed by visitors to our website. If you do not want your personal information disclosed for marketing purposes, please see the section below.
If you do not want us to share your information with affiliated and/or non-affiliated third parties for marketing purposes, refer to our privacy brochure that has an attached panel that must be printed, signed and returned to us to process your choice to opt-out of information sharing. Please allow 4-6 weeks for processing.
Upon request via postal mail, Email, or phone, Prudential will provide to our website visitors a summary of their personal information retained by the applicable Prudential subsidiary or business. You may modify, correct, change or update your personal record or cause your personal record to be removed from the applicable database by contacting us.
This website may contain hyperlinks or “links,” to and from other Internet sites. These sites may have different privacy practices from the ones described here for www.prudential.com. Since this Internet Privacy Policy applies solely to our website, please remember to read the privacy statements of the other Internet sites you visit. For more information about hyperlinks, please see our Terms and Conditions.
Prudential works hard to ensure that our systems are secure and that they meet industry standards. Where appropriate, we employ firewalls, encryption technology, user access codes (e.g., userIDs and passwords) and other access control mechanisms to control access to systems and data. We will continue to assess new technology to evaluate its ability to provide additional protection of your personal information.
Prudential reserves the right to change this Internet Privacy Policy at any time. Changes will be effective immediately upon posting to our website. We recommend that visitors to our website re-visit this Internet Privacy Policy on occasion to learn of changes to our privacy practices and policies.
To protect against and to correct misunderstandings, Prudential may monitor electronic communications conducted with us.
Website Email or non-website Email may not be used for the following purposes:
- To place orders to purchase or sell a security or to transfer funds
- To transmit personal credit information (including credit card numbers)
- To give:
- Notice of a change of address
- Instructions to change or confirm your access codes
- Any time-sensitive instructions
It is important to us at Prudential to hear what visitors have to say about our website, our services, or any other issues. If you have any questions and/or concerns, or want to let us know what you think, please contact us at 1-800-PRU-HELP (778-4357).
“In all of our businesses, our aim is to build lasting relationships with our customers in the U.S. and around the world. To meet this goal, we must be worthy of their trust in our ability to help them achieve financial security, and we must remain ethical in all aspects of our business relationships - both internal and external.”
-Art Ryan
Chairman and Chief Executive Officer
For over 125 years, Prudential has helped customers achieve financial security and peace of mind. Prudential accomplishes this mission by providing our customers with the advice and information they seek through the distribution options of their choice, offering proprietary and non-proprietary insurance and investment products, supported by excellent service. Prudential is a company that our customers trust and our symbol, the Rock of Gibraltar, signifies our strength and commitment to integrity.
Prudential recognizes its duty to be socially responsible. We demonstrate our responsibility as a corporate citizen when we interact with our customers, associates, and the community at large, following the guiding principles listed below:
- We build lasting relationships with our customers by only offering those products and services that are appropriate to their needs, provide fair value and are in compliance with applicable laws and regulations.
- We nurture a culture within the Company that is highly moral, making decisions based on doing the right work in the right way for the right results.
- We ensure no associate’s purpose or business group’s bottom line is more important than preserving the name and goodwill of Prudential.
- We foster a climate where all associates act with courage, integrity, honesty, and fairness. We are committed to creating an atmosphere that is free of discrimination or harassment of any kind, and where differences are respected and valued.
- We provide an engaging work environment, where associates can learn, grow and develop, both professionally and personally.
We hold all of our associates to the highest ethical standards. We clearly articulate those standards, reinforce this through enterprise-wide training programs and show a commitment to the communities in which we operate. We provide our employees with resources to use when faced with an ethical dilemma and encourage them to offer suggestions and raise issues as they arise.
“Doing the right thing for the right reasons should be the hallmark of how we conduct business with the public, our customers, and our associates.”
-Enterprise Ethics Office
Life insurance, annuities and long term care insurance are often a significant part of your financial plan. Accordingly, you expect the highest level of ethical market conduct standards from an insurance company.
Prudential is proud to be a member of the Insurance Marketplace Standards Association (IMSA), a voluntary membership organization whose purpose is to promote high ethical standards in the life insurance industry. Prudential is a charter member of IMSA, earning certification in 1998 when IMSA first certified its member companies.
To become an IMSA member, Prudential committed itself to a specific set of Market Conduct Standards. Prudential then underwent a rigorous internal, as well as, an independent assessment to ensure that it met IMSA’s Principles and Code of Ethical Market Conduct. IMSA member companies must renew their membership every three years by successfully completing internal and independent assessments of its policies and procedures. This helps ensure continual compliance with IMSA’s Principles and Code of Ethical Market Conduct.
The standards set by IMSA help assure customers that member companies are committed to honesty, fairness and integrity. As an IMSA member, Prudential has made a commitment to maintain high ethical standards in the sale and service of our products.
The specific standards Prudential is committed to as a member of IMSA include:
- Conducting business according to high standards of honesty and fairness,
- Providing competent and customer-focused sales and service,
- Reviewing advertising materials to ensure they are clear in purpose, honest and fair in content,
- Handling customer complaints quickly and fairly,
- Engaging in fair competition consistent with state and federal laws, and
- Maintaining a process of supervision and review that ensures compliance with these Principles of Market Conduct.
The strength of Prudential is built on a foundation of integrity and a commitment to the highest ethical standards. For further information on the IMSA Principles and Code, view their website at www.imsaethics.org.
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