At Mutual of America, providing for your security is one of our highest priorities. The security of your personal information is as important to us as your financial security. Throughout the history of our Company, maintaining privacy protection for our customers has been a priority.

The most important thing you should know is that Mutual of America will not share your personal information with anyone, except as permitted by law, and that we will not sell your personal information.

Mutual of America seeks to provide the best and most efficient products and services to meet your needs. As a result, there will continually be changes in technology that we will implement to benefit you as our customer. However, you need to know that we are safeguarding your personal information, however we receive it, or by whatever means you use to contact us, whether you are providing information via our 800 Line, our website, in writing, or speaking with a representative in our Home Office or one of our Regional Offices.

Mutual of America remains committed to the principles that guide us: loyalty to our customers and our employees, integrity in all we say and do, and working together to maintain our customers' trust.

Information Collection

• We collect and use information about you in order to provide you with insurance, annuity, retirement savings, and pension products and services.
• We obtain most of this information directly from you, primarily from the applications you complete when you apply for our products or services and from your transactions with us. If we need additional information, we may obtain it from other parties, including employers, adult family members, other insurers, consumer reporting agencies and medical care providers.
• We also collect information from your computer browser, such as browser type, internet protocol address, pages visited, and average time spent on our websites. This information may be used to alert you to software compatibility issues, or it may be analyzed so that we may improve the quality and functionality of our operations.
• When visiting and/or engaging with Mutual of America's social media networking pages using a specified, third-party social media networking platform (such as LinkedIn, Facebook or X), you consent to the sharing of your information with such platform, unless such platform allows otherwise. If you choose to share your personal information, any information you disclose will be subject to the privacy policy and business practices of that third party.
• For job applicants and recruits, we use the information you provide to us, either directly or through third parties, to assess your qualifications for a position at Mutual of America. This information may include your contact information and work and education history and other credentials.

Information Protection

• To guard your personal information, we maintain physical, electronic and procedural safeguards that comply with federal and state laws and regulations. However, we note that no transmission of data over the internet can be guaranteed absolutely, and we therefore cannot warrant or guarantee that any such transmission is free of risk.
• All of our employees are required to protect the confidentiality of our customers' personal information, and they may not access that information unless there is a legitimate business reason for doing so, such as responding to a customer request.
• Our strict policies for protecting personal information apply to current and former customers.
• We have appointed a senior officer of the Company to monitor compliance with the Company's Privacy and Security Notice.

Information Disclosure

• We will not sell your personal information to anyone.
• We will not disclose your personal information to anyone, including our affiliates and subsidiaries, for marketing purposes.
• We will not disclose your personal information to anyone, including our affiliates and subsidiaries, except as permitted by law. For example, we may disclose your personal information to our affiliates, subsidiaries and any other entities that provide services to us so that we can effect, maintain or administer your business and respond to your questions or requests.
• It is our policy that the recipients of such information shall protect the information and use it only for the purpose stipulated.
• We disclose your personal information to certain third parties that provide services to Mutual of America for certain business purposes, including:
  • Enhancing your experience on our website;
  • Managing and maintaining our business operations and processes;
  • Managing our recruitment process;
  • Administering and enhancing our security and privacy practices, including but not limited to detecting and preventing security incidents; and
  • Complying with applicable statutes and regulations.
• We may also disclose personal information under the following circumstances:
  • When required to do so by law or legal process, such as a subpoena or court order, or in response to a request by law enforcement or a government agency;
  • To defend or exercise Mutual of America’s legal rights;
  • To prevent physical harm or financial loss;
  • In support of an investigation into potential illegal activity; or
  • In connection with a corporate reorganization, dissolution, liquidation or merger.

Social Security Number Protection

• We protect all Social Security numbers that we collect in the course of business.
• We have procedures to limit access to your Social Security number except where access may be required to provide products or services to you.
• The confidentiality of Social Security numbers is protected by maintaining physical, electronic and procedural safeguards to prevent unauthorized access to Social Security numbers.
• Social Security numbers are not disclosed to third parties except where required or permitted by law.

Security on Our Website

• Our website uses some of the most reliable forms of security measures available to protect your information from unauthorized access.
• Use your Customer ID or User ID, along with your password, to access your account information and initiate online and mobile transactions.
• To prevent unauthorized access to your Mutual of America account via your computer or smartphone, secure sessions through our website are automatically terminated after 15 minutes of inactivity (20 minutes, during a financial transaction session). In order to continue after this point, you must log in again.
• Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, no company can guarantee complete security. We are not responsible for any information exposed as a result of the security settings on your browser.

Use of Cookies

• Our website offers customized features that require our use of "Cookies," which are small pieces of information that we ask your browser to store. This helps ensure that any information we send to you is only being received by you.
• Mutual of America does not use third-party-targeted advertising tools for its social media channels such as cookies, pixel tags and mobile device tracking identifiers to assist with Mutual of America's marketing efforts. However, third-party social media platforms on which Mutual of America's ads appear may use cookies, pixel tags and mobile device tracking identifiers on your browser to facilitate their own data collection purposes. This type of data collection is subject to the privacy policies on those social media platforms.
• This website uses Google Analytics to help us understand how our audience as a whole interacts with the website. Google Analytics uses cookies that allow Google to recognize the device you use on a unique but non-identified basis and provide aggregate reporting information to us. You may choose to accept or refuse cookies by modifying the settings in your web browser. To learn more about cookies, please visit www.aboutcookies.org. To learn about opting out of Google Analytics, visit here.
• Our sites are not directed to children under the age of 13. We do not knowingly collect information or post information for children under the age of 13.
• You can opt out of this information being collected in regard to targeted advertising by using the "opt-out" functionality of each individual social media networking platform under the "Settings" section of your respective account(s). In addition, you may also want to review all mobile device and browser settings in your respective electronic devices for additional settings regarding cross-device tracking and other privacy safeguards.
• Mutual of America itself does not use cross-device tracking and will not have access to any personally identifiable information.

Calculators

• Mutual of America's online calculators are provided for your information only. We do not track, retain or use any of the data input into the calculators, nor is the data in any way linked to you as an individual.

Surveys

• From time to time, we will post a survey on our website. If you respond to our survey, your responses, as well as identifying information such as IP Address, will be captured. Identifying information will only be used for our own statistical and analytical purposes in connection with our operations.

Third-Party Sites

• On our website, we use third-party online analytics services, and the service providers that administer these analytics services use automated technologies to collect data (such as email addresses, IP addresses, cookies and other device identifiers) to evaluate, for example, use of our site, to diagnose technical issues.
• Various pages within our website provide links to other sites of interest. We are providing these links only as a convenience, and the inclusion of any link does not imply our endorsement of the linked site. These third-party-linked sites are not under our control, and therefore, we are not responsible for the contents of any linked site or any link contained in a linked site.
• Be aware that these third-party sites may collect information about you. We are not responsible for the actions of these third parties, and we encourage you to review their privacy policies to learn what type of personal information, if any, they collect.
• We do not control the privacy settings and preferences maintained by any third-party social media networking platform. If you wish to make changes to those settings and preferences, you may do so by visiting the "Settings" section of the respective social media networking platform.

MoA Virtual Assistant

Mutual of America provides an automated web chat service, which is managed by a non-human system entitled “MoA Virtual Assistant” also known as a chatbot on its website. When you choose to interact with the chatbot, we may collect, use and share information relating to your interactions. Our collection and use of information from the chatbot is subject to the terms of this Privacy Policy. Our specific practices relating to the chatbot are as follows:

• We may collect and record the contents of your conversations with the chatbot. We suggest that you do not provide personal information or sensitive information, including passwords or account numbers, to the chatbot. The chatbot does not store any personal information provided.
• Information you provide will be used by the chatbot to respond to your inquiries. We may also use this information to provide services to you or to improve our website.
• We may also collect information concerning the amount of time you spend interacting with the chatbot, and similar information. We use this information to monitor the use of and make improvements to the chatbot.
• We do not use any information you provide to the chatbot for marketing purposes.
• We do not disclose the information you provide to the chatbot to any third party for their own marketing purposes.
• Information relating to your use of the chatbot may be provided to the chatbot service provider. In that case, the chatbot service provider only uses that data to provide services to Mutual of America and is prohibited by contract from sharing that data with any other party or using that data for other purposes.
• Other than as described above, we may disclose information concerning your use of the chatbot in accordance with the terms of the “Information Disclosure” section of this Privacy Policy.

Your Role in Privacy

For your protection, and to protect your account information, you should not share your Security Profile information, as well as your Personal Identification Number (PIN), with anyone. Further, we recommend that you occasionally change your password and User ID, which you can do at any time after logging in to "My Account" on our website. You may also call our 800 Line to request that a new PIN be mailed to your address on file via the U.S. Postal Service.

It is important that you not leave your computer unattended while accessing your account information or initiating online transactions. If you become aware of any suspicious activity in your account, please notify us immediately by calling 800.468.3785, Monday through Friday, from 9:00 a.m. to 9:00 p.m. ET.

Notice for California Residents

• If you are a California resident, you may have additional rights under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act. However, it is important to note that the CCPA does not apply to personal information collected pursuant to other privacy laws such as the Gramm-Leach-Bliley Act (GLBA) or the California Financial Information Privacy Act (FIPA). If you are a current or prospective customer or plan participant, it is likely that most of the data Mutual of America collects about you will be subject to those laws rather than the CCPA.
• For the purposes of this section, “personal information” is defined as it is in the CCPA and means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you as an individual or your household.
• For personal information that is subject to the CCPA, California residents may have the following rights, subject to certain exceptions and limitations:
  • The right to request access to your personal information and know the following:
    • The categories of personal information, the categories of sources from which the personal information is collected;
    • The business or commercial purpose for collecting, selling or sharing personal information (Mutual of America does not sell personal information);
    • The categories of third parties to whom Mutual of America discloses personal information; and
    • The specific pieces of personal information the business has collected about you.
  • The right to request that Mutual of America delete personal information that we collect and retain about you; and
  • The right to request that we correct any personal information that is inaccurate and incomplete.
• Mutual of America does not “sell,” as that term is defined in the CCPA, any personal information to any third parties, including the personal information of any minors under the age of 16. Nor do we “share” any personal information for the purpose of cross-context behavioral advertising. Finally, Mutual of America does not use or disclose “sensitive personal information,” as that term is defined in the CCPA, in any manner that would permit a California resident to submit a request to limit the use of such information.
• Mutual of America will not discriminate against you for exercising your rights under the CCPA.
• To exercise your rights described in this policy, you can:
  
  
  1. Send a request, in writing, to Mutual of America’s Privacy Director at:
     

     Mutual of America, Information Security Department
     Attn: Privacy Director
     1150 Broken Sound Parkway NW
     Boca Raton, FL 33487;

  2. Email us at privacy@mutualofamerica.com; or

  3. Contact us at 800.468.3785.
     
     
  After you submit your request, Mutual of America may ask you to provide certain information to verify your identity, such as your name, phone number, email address and date of birth. If you designate an authorized agent to submit a request on your behalf, you must provide the agent with written and signed permission or a power of attorney that complies with the CCPA’s requirements. When your agent submits the request, we will take reasonable steps to verify the agent’s identity and your authorization to make the request.

For More Information

If you have any questions about Mutual of America's Privacy and Security Notice or about our website security, or wish to obtain a copy of your personal information, or to inform us of any incorrect information in our records, please contact us by:

1. Emailing us at privacy@mutualofamerica.com;
2. Writing to the Privacy Director at Mutual of America Life Insurance Company, 1150 Broken Sound Parkway NW, Boca Raton, FL 33487; or
3. Contacting us at 800.468.3785.

We are providing this Privacy and Security Notice on behalf of Mutual of America Life Insurance Company and its subsidiaries and affiliates. By law, we have the right to modify this policy at any time, but if we do change it, we will notify our customers. Under applicable laws and regulations, we are required to send customers our Privacy and Security Notice on an annual basis.

Revised 1/19/2024