We maintain transparent practices about the collection, processing, and sharing of that information. Protecting your privacy is very important to us. We are committed to processing your Personal Information fairly and lawfully and only to the extent necessary to achieve the purposes listed herein.
This Privacy Notice explains how and why the Reinsurance Group of America, Incorporated (RGA Inc.), and its subsidiaries and affiliates (“RGA”, "we" or "us") collect and use personal information as part of the grant application process.
We have designed this privacy notice to be user friendly – please click on a topic in the list below to find out more.
RGA is a global reinsurance company focused primarily on life- and health-related reinsurance solutions. Our core products and services include life reinsurance, living benefits reinsurance, group reinsurance, health reinsurance, financial solutions, facultative underwriting, and financial product development.
The headquarters of RGA Inc. is located in St. Louis, Missouri, USA.
RGA Enterprise Services Company is located in St. Louis, Missouri, USA and was established to deliver corporate services to the RGA Inc. group of affiliated companies.
The RGA Foundation is located in St. Louis, Missouri, USA and is focused on advancing the education, health, and longevity of people in the communities in which we operate.
RGA Enterprise Services Company is the controller responsible for the personal information we collect and process. Other RGA entities may also be controllers in respect of individuals’ personal information, depending on the nature of the services they provide. A full list of all RGA entities is available at https://www.rgare.com/global-presence/global-presence-landing.
This Privacy Notice is designed to provide compliance with all relevant applicable laws in the European Economic Area (EEA) and, in particular, those transposing the General Data Protection Regulation. RGA recognizes that certain laws might be modified to require stricter standards than those described in this privacy notice, in which case we will ensure compliance with those stricter standards.
RGA will handle personal information in accordance with local law at the place where the personal information is collected and processed. If applicable law provides for a lower level of protection of personal information than that established by this Privacy Notice, then this Privacy Notice shall prevail.
Personal information means information, or a combination of pieces of information, that could reasonably allow an individual to be identified.
We use your personal information to correspond with you regarding the grant application you submitted. This Privacy Notice applies to any individual whose personal information we process while processing the grant application ("data subject" or "you").
We collect your personal information via the RGA Cares portal, also referred to as GrantsConnect, a Software-as-a-Service provided by Blackbaud YourCause. We may also collect personal information if you voluntarily supply it to us, for example by sending us an email.
The type of information we may collect and process may include any of the below (where permitted by law):
We do not process any sensitive personal information as part of the grant application process.
We use your personal information:
(a) to administer our grants program;
(b) to help us prevent and detect fraud, money laundering, terrorism, and other crimes;
(c) to help develop new and improve existing services;
(d) to exercise, defend and protect our legal rights or the rights of our clients or third parties;
(e) to comply with legal obligations and to cooperate with regulatory bodies to which we are subject; and
(f) to audit our business.
No, we do not use personal information for profiling and automated decision-making.
We are committed to processing your personal information fairly and lawfully and only to the extent necessary to achieve the purposes listed above.
We must have a legal basis to process your personal information. In most cases, our ability to obtain and process your personal information is based on one of the following legal bases:
(a) Processing your personal information is necessary to comply with our legal obligations, such as due diligence and reporting obligations, and responding to requests from our regulators; and
(b) Processing your personal information is necessary to meet our legitimate interests, for example, to administer our grants program, to perform audits, and to maintain accurate records.
(c) Your consent has been obtained.If we ask for your consent to process your personal information, you may withdraw your consent at any time by contacting us at privacy@rgare.com.
We may share your personal information with third parties under the following circumstances:
You have certain rights regarding your personal information, subject to local law. These include the right to:
We may need additional information from you to confirm your identity and honor your requests. If you would like to contact us to discuss or exercise your rights, you may contact us via our online contact form, or using the contact details provided below.
We implement technical and organizational measures to ensure a level of security appropriate to the risk to the personal information we process. These measures are aimed at ensuring the on-going integrity and confidentiality of personal information. We evaluate these measures on a regular basis to ensure the security of the processing.
We retain personal information for a period that reasonably allows us to investigate, commence or defend legal claims brought by or against us, comply with our regulatory obligations, and conduct analysis. We securely destroy personal information when its retention period has expired.
We may retain aggregated or anonymized data (which is not treated as personal information under this Privacy Notice) for longer.
Because we operate as a global business, your personal information may be transferred to, stored, and processed in other countries, which may include countries that are not regarded as ensuring an adequate level of protection for personal information under European Union law or your local law. Therefore, RGA has adopted Binding Corporate Rules (‘BCRs’) to enable us to make international transfers of your personal information within our group of companies in compliance with data protection laws of the European Union, United Kingdom and other relevant countries. Our BCRs are available at https://www.rgare.com/our-company/responsibility/policies-and-governance-center/policy-and-rights/binding-corporate-rules.
We have put in place appropriate safeguards (such as contractual commitments) in accordance with applicable legal requirements to ensure that your personal information is adequately protected. For more information on the appropriate safeguards in place, please contact us at the details contained in the "Contact us" section below.
RGA Inc. is the controller responsible for the personal information we collect and process. Other RGA entities may also be controllers in respect of your personal information, depending on their interactions with you.
If you have questions or concerns regarding the way in which your personal information has been used, please e-mail us at privacy@rgare.com or call or write to us. If you would like to exercise a data subject right, you may use our online contact form.
| Our USA postal address is: RGA Inc. 16600 Swingley Ridge Road Chesterfield, Missouri 63017-1706 | Our USA telephone number is: |
| Our Ireland postal address is:
RGA International Reinsurance Company dac | Our Ireland telephone number is: |
Our United Kingdom postal address is: | Our United Kingdom telephone number is: |
Our Canada postal address is: | Our Canada telephone number is: |
Our Bermuda postal address is: | Our Bermuda telephone number is: |
For all other postal addresses, please see https://www.rgare.com/global-presence/global-presence-landing
RGA’s Data Protection Officer for the EMEA region is Dean Scotson. Should you have any questions or concerns for our DPO regarding the way in which your personal information has been used, please contact him via email at dpo@rgare.com. RGA’s Privacy Officer for Bermuda is Lisa Kogel. Should you have any questions or concerns for our Bermuda Privacy Officer regarding the way in which your personal information has been used, please contact privacy@rgare.com. RGA’s Privacy Officer for Canada is Mai-Khoi Lam. Should you have any questions or concerns for our Canada Privacy Officer regarding the way in which your personal information has been used, please contact privacy@rgare.com.
We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. If, however, you believe that we have not been able to assist with your complaint or concern, you have the right to make a complaint to your local supervisory authority (e.g., the supervisory in the jurisdiction where you live or work) or the supervisory authority of the jurisdiction where you believe an infringement of data protection laws has occurred. Each supervisory authority may have a different process for lodging complaints, so we encourage you to contact the relevant supervisory authority first to check this.
You may request a copy of this Privacy Notice from us using the contact details set out above. We may modify or update this Privacy Notice from time to time. If we make a significant change to this Privacy Notice, we will post a notice about this on our website.
You will be able to see when we last updated the Privacy Notice because we will include a revision date, shown below.
To access RGA’s grant application, click “apply” and log into YourCause GrantsConnect or set up an account. Once logged in, click back on “apply” to access the application.