Voya Financial Privacy Notice
Last updated August 1, 2024
Voya Financial Privacy Notice
Supplemental State-Specific Privacy Notice
Personal Data Request
Voya Financial Privacy Notice
Facts
What does Voya Financial do with your personal information?
Why?
We recognize the importance of protecting the privacy of your personal information. We have implemented policies and security measures to protect the information you provide us. We understand that you care about how information about you is collected, used and shared, and we appreciate the trust you place with us. This Privacy Policy (this “Policy”) describes the ways in which Voya Financial (“Voya,” “we,” “us” or, “our” in this privacy policy) collects, processes and discloses personal information about you. Throughout this Policy, “you” refers to the individual or entity that is engaging with Voya. By interacting with our website, you consent to the use of your information as set forth in this Policy. Generally, financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Contact information, like email address and phone number
- Social Security number and account balance
- Driver’s license or other government-issued identification number
- Date of birth, gender and other health information
- Income, assets and transaction or loss history
- Investment experience and employment information
- Personal, demographic or financial information of any joint owners or beneficiaries
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Voya chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Voya share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s) and required records, respond to court orders and legal investigations, detect and prevent fraud, or report to credit bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don't share |
To limit our sharing
- Call our toll-free number (855) 685-9519 – our menu will prompt you through your choice.
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call the telephone number listed on your statements and other correspondence or contact us.
Who we are
Who is providing this notice?
This notice is provided by certain companies owned by Voya Financial, Inc. A list of these companies is provided at the end of this notice.
What we do
How does Voya protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with state and federal law. These measures include computer safeguards and secured files and buildings.
How does Voya collect my personal information?
We collect your personal information, for example, when you:
- Open an account or give us your contact information
- Apply for insurance or seek advice about your investments
- Tell us about your investment or retirement portfolio
- Navigate our website
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include companies with the Voya name; financial companies such as Voya Retirement Insurance and Annuity Company; and nonfinancial companies such as Voya Services Company.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Voya does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Voya does not jointly market.
Other important information
See our Supplemental State-Specific Privacy Notice for additional information about the categories of personal information we collect and share, the individual rights granted under certain state laws, and how to exercise those rights. Voya does not sell personal information. If you live in a state where the laws further restrict the sharing of your personal information, we will not share information we collect about you with nonaffiliates, unless the law allows, and we will limit sharing among our affiliates to the extent required by state law. If you are a participant in a retirement plan sponsored by your current or former employer, our contract with your plan sponsor may contain additional restrictions on the use or sharing of your personal information.
Voya affiliates
This notice is provided by: Benefit Strategies, LLC; Pen-Cal Administrators, Inc.; ReliaStar Life Insurance Company; ReliaStar Life Insurance Company of New York: Security Life Assignment Corporation; Voya Benefits Company, LLC; Voya Capital Corporation, LLC; Voya Financial, Inc.; Voya Financial Partners, LLC; Voya funds; Voya Funds Services, LLC; Voya Institutional Plan Services, LLC; Voya Institutional Trust Company; Voya Investments, LLC; Voya Investments Distributor, LLC; Voya Retirement Advisors, LLC; and Voya Retirement Insurance and Annuity Company.
View a PDF version of the Voya Financial privacy notice.
If you are a client of Voya Financial Advisors, Inc., view a PDF version of the Voya Financial Advisors privacy notice.
If you are a client of Voya Investment Management, visit the Voya Investment Management privacy notice.
If you are a client of Venerable Insurance and Annuity Company, view the Venerable Insurance and Annuity Company privacy notice.
Supplemental State-Specific Privacy Notice
Last updated August 1, 2024
This notice applies to individuals only as and to the extent required by state law. You may live in a state that does not have an applicable law, or the law may contain exemptions that make this notice inapplicable to you.
Sell/Share
Voya does not sell or share personal information. As used in this Supplemental State-Specific Privacy Notice, the words “sell”, and “share” have the specific meanings assigned by the applicable state law. Under some state laws Voya may be considered to share personal information. Additional information on how Voya may share your data is provided below.
Sources of personal information
The sources from which we collect personal information depends on the relationship you have with us. The list below provides the sources for where we collect your personal information.
- Directly from you, or other individuals on your behalf including when you complete account applications, call customer service, or interact with us through electronic means, such as through Voya websites.
- Public records and widely available sources including federal, state or local records.
- Outside organizations to assist in activities such as preventing fraud, marketing and to support human resources.
- Credit and insurance bureaus, program partners and financial institutions.
Categories of personal information we collect
The categories of personal information we collect depend on the relationship you have with us.
- If you are a Voya customer, then we may collect your name, physical address, email address, phone number, Social Security number, driver’s license number, passport number, professional or employment-related information, biometric information, and other financial information.
- If you interact with Voya on behalf of a business entity, then we may collect your name, physical address, email address, phone number.
- If you apply for a position within Voya, then we may collect your name, physical address, email address, phone number, Social Security number, demographics, driver’s license number, national identifiers, professional or employment-related information and educational information.
- If you are a current of former Voya employee, then we may collect your name, physical address, email address, phone number, Social Security number, demographics, driver’s license number, national identifiers, professional or employment-related information, educational information, credit information, health information, and spousal and dependent information.
- If you visit a Voya website, then we may collect your IP address, browsing history, search history, and information regarding your interaction with our web sites, applications, and advertisements.
- Additionally, Voya may collect any personal information you volunteer to Voya including information regarding hobbies, and social and dietary preferences.
Purposes for which we collect personal information
The business purposes for which we collect personal information include the provision of financial products and services (e.g., maintaining accounts, processing payments, servicing customers), auditing consumer interactions and transactions, detecting security incidents and preventing fraud, identifying, and repairing errors that impair functionality, activities to verify or enhance the quality of services, employment purposes and other internal uses permitted under applicable laws.
Third parties with which personal information is shared
All financial companies need to share personal information to run their everyday business. The categories of third parties with which Voya shares the categories of personal information identified above include service providers, third party administrators, brokers, independent agents, plan sponsors, managing general agents, program administrators and affiliates. If you are a participant in a retirement plan sponsored by your current or former employer, our contract with your plan sponsor may contain additional restrictions on the use or sharing of your personal information.
Retention of personal information
Voya retains your personal information and sensitive personal information as long as reasonably necessary for the purposes disclosed in this notice and for other related business purposes and as required or permitted by applicable laws and regulations.
Cookies
Voya Sites Terms of Use govern your use of the information, content, tools, products, and services on all of the Voya Sites (the term “Voya Sites” refers to all Voya websites, WAPs and mobile applications and the content within them). As part of your use of Voya Sites, Voya Sites may use cookies and similar technology. Visit Voya Sites Terms of Use for information regarding Voya’s use of cookies.
Individual rights
Right to deletion
Your right to request that Voya delete your personal information, unless it is necessary for us to retain it for a purpose permitted by law.
Right to correct
Your right to request that Voya correct any inaccurate personal information about you that we maintain, taking into account the nature of the personal information and the purposes of the processing of the personal information.
Right to know and right to access
Your right to request that Voya disclose to you the following: (1) the categories of personal information we have collected about you, (2) the categories of sources from which the personal information is collected, (3) the business or commercial purpose for collecting the personal information, (4) the categories of third parties with which we share the personal information, and (5) the specific pieces of personal information we have collected about you.
Right to information about onward disclosures
Your right to request that Voya disclose to you the following: (1) the fact that we do not sell your personal information, and (2) the categories of your personal information that we have disclosed for a business purpose.
Right to prohibit sales and sharing
Your right to direct a business that sells or shares personal information to third parties not to sell or share your personal information.
- In the past twelve (12) months Voya has not sold your personal information.
- In the past twelve (12) months Voya may have “shared” your personal information including third-party cookies or trackers, IP address, pseudonymous identifiers, advertising ID, website interactions, and inferences drawn from website interactions.
Right to limit the use of sensitive personal information
Your right to request that Voya limit the use and disclosure of sensitive personal information to specific “business purposes.”
Right to fair treatment
We may not discriminate against you for exercising any of your privacy rights, such as by denying you products or services, charging you different prices or rates, or providing a different level or quality of products and services.
To exercise your individual rights
Existing customers with online account access: Log in to your account in order to submit a request.
Existing customers without online account access: Call the telephone number listed on your statements and other correspondence. You must complete our standard authentication process, which uses a combination of information possessed by Voya to verify your identity.
Job applicants: Visit the Personal Data Requests section and follow the instructions to submit a request or call 855-ONE-VOYA .
Current employees: Follow the instructions provided in the Employee Privacy Notice to submit a request.
Former employees: Visit the Personal Data Requests section and follow the instructions to submit a request or call 855-ONE-VOYA.
All other individuals: Visit our website at https://www.voya.com/privacy-notice and follow the instructions under Personal Data Requests or call 855-ONE-VOYA.
You may designate an authorized agent to make a request on your behalf. That agent may be subject to a heightened authentication process.
Contact us
For more information
If you have questions or concerns about Voya’s Supplemental State Privacy Notice and practices, call the telephone number listed on your statements and other correspondence or contact us.
Other important information
See our additional product and service privacy notices for specific information about how we collect and share personal information relating to those specific products and services.
View a PDF version of the supplemental state-specific privacy notice.
Personal Data Request
Some state laws provide individuals the right to request that a business take certain actions regarding their personal information. These may include the right to request that the business delete or correct their personal information, or the right to request that the business grant them access to their personal information.
If you are a Voya customer and wish to exercise your rights with respect to your personal data, you may submit a Personal Data Request by logging in to your account online or calling the phone number on your statement or other correspondence.
If you are not a Voya customer and wish to exercise your rights with respect to your personal data, please submit a Personal Data Request.
Please note the Personal Data Request tool is not designed to assist with general questions. If you wish to get assistance, please contact us.
HIPAA Data Request
The Health Insurance Portability and Accountability Act (HIPAA) provides that individuals have certain rights regarding their Protected Health Information (PHI). In the event Voya maintains PHI as part of the services or products it provides to you, and you wish to exercise these rights with regard to PHI, please submit a HIPAA data request.