Web Privacy Notice

RGA is a group of companies focusing 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 product development.

The headquarters of Reinsurance Group of America, Inc. are located in St. Louis, Missouri, United States of America.

RGA International Reinsurance Company dac located in Dublin, Ireland is our representative in the European Economic Area (‘EEA’).

Other RGA group entities operate and provide products and services all over the world. A full list of all RGA entities is available at http://www.rgare.com/global-directory.

Reinsurance Group of America, 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 the nature of their involvement.

This privacy notice is designed to provide compliance with relevant laws in countries where RGA entities operate. 

RGA will handle Personal Information in accordance with multiple local privacy laws 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.

As a business, we run a range of marketing, business development, knowledge sharing and online analytics campaigns. Thus, your Personal Information is used to perform our marketing practices and assess the effectiveness thereof.

Depending on your particular situation, we may collect your Personal Information in the following circumstances:

• If you are accessing our Sites, your Personal Information is collected via our online tracking technologies.
• If you are employed by a business client of RGA, your Personal Information is collected either directly from you or through information provided by your employer.
• If you attend an RGA event, your Personal Information is collected from you prior to or directly at the event.

Our Sites use cookies and web beacons that collect and store your Personal Information.

The Personal Information we collect from you when you visit our Sites is used to:

• Identify cyber attacks targeting our Sites;
• Ensure that our Sites and content are accessible to visitors;
• Analyse and better understand performance of our Sites, our online audience and their interests in our products and services;
• Tailor the content on our Sites; and
• Facilitate enhanced functionalities, content personalization and adverts to our visitors.

Our ability to obtain and process your Personal Information via cookies and web beacons is based on one of the following legal bases:

• Your consent obtained via an opt-in selection through our Privacy Preference Center; or
• Where the processing is necessary to meet our legitimate interests which do not override your fundamental rights and interests. Our legitimate interests include protecting our infrastructure, enabling technical functionality of our Sites, and Web beacons.

Cookies are text files containing small amounts of information which are downloaded to your computer or mobile device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognizes that cookie.

Cookies, in general, allow our websites to recognize new and returning visitors through your device by providing references to your IP address, device serial number, operating system, browsing session and your user preferences, such as Opt-In/Opt-Out Choices. They also inform us which pages you have viewed on our Sites and which words you have provided on the seach engines.

When you visit our Sites for the first time, you will be directed to our Privacy Preference Center allowing you to review the details of the cookies that are in place and decide which ones you would like to enable. If you click “Save Settings,” you will be able to agree to our use of all “Active” cookies. Please note that choosing not to allow cookies on your computer may impact or alter the expected performance and functioning of our Sites.

On our Sites, we use the following categories of cookies:

1. Strictly Necessary Cookies - they are necessary for the website to function and cannot be switched off in our systems. These cookies are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.

These cookies are always active, however you can set your browser to block or alert you about them, but some parts of the site will not then work.

2. Performance Cookies - these cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

All information these cookies collect is aggregated and therefore anonymous.

You may choose not to allow these cookies, but then we will not know when you have visited our site, and will not be able to monitor its performance.

3. Functional Cookies - these cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages.

You may choose not to allow these cookies, but then some or all of these services may not function properly.

4. Targeting Cookies - these cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites.

They are based on uniquely identifying your browser and internet device and capture your browsing interests.

You may choose not to allow these cookies. If you do so, you will experience less targeted advertising.

For more information on more specific details around cookies, please check our Privacy Preference Center.

How do I change my cookie settings?

You can change your cookie preferences at any time by navigating along the menu bar at the bottom on the left-hand side on the Site. You may need to refresh your page for your settings to take effect.

The type of information we collect and process about you will depend upon specific circumstances relating to your engagement with us.

If we process your Personal Information in the course of marketing and business development, we will collect:

• Your name
• Business contact information: work postal address, telephone numbers, facsimile number and email address
• Company name 
• Your occupation/title
• Your communication preferences
• Your opt-in/opt-out preference

If you attend an RGA event, we will collect:

• Your name
• Business contact information: work postal address, telephone numbers, facsimile number and email address
• Company name 
• Your occupation/title
• Your communication preferences
• Your opt-in/opt-out preference
• Your image (for example, photographs, video recordings if relevant)
• Personal interests

If you use any RGA Site, we will collect certain Personal Information via cookies and web beacons on our Sites. For more information, please see section “Cookies and Web Beacons”.

Relevant to South Africa: What types of additional Personal Information do we collect from South African data subjects?

In South Africa, when we engage with business clients, we collect and process the following information of juristic persons:

• Company name
• Company registration number
• Company contact information: postal address, telephone number, facsimile number and email address

You may provide this information, as well as Personal Information listed in the section above, to RGA on a voluntary basis, however, if under certain circumstances we cannot obtain it, we might not be able to engage and communicate with you.

RGA does not collect or process any special category or sensitive Personal Information collected under this Privacy Notice.

RGA does not sell your Personal Information collected under this Privacy Notice.

We will provide you with regular opportunities to tell us your marketing preferences, including in our communications to you.  We will rely on consent via opt-in or our legitimate interests for our marketing communications (see the section below “What are the legal bases on which we use your Personal Information?”). If you no longer want to receive marketing-related e-mails from RGA on a going-forward basis, you may opt out of receiving these marketing-related emails by clicking on the link to “unsubscribe” provided in each e-mail or by contacting us at the contact information under the “Contact Us” section of this notice. We will endeavor to comply with your opt-out request(s) within a reasonable time period.

RGA does not engage in profiling or automated decision making for the processing activities covered by this Privacy Notice.

We use Personal Information we collect from you for diverse purposes depending on the type of your engagement with us.

If we process your Personal Information in the course of marketing and business development, we will use your Personal Information for the following purposes:

• To provide you with relevant information about our products, services and events, and advertise them;
• To respond to your enquiries;
• To invite you to take part in our surveys;
• To determine your interest in our new products and services;
• To offer you with our products and services;
• To perform administrative activities in connection to your opt-out.

If we process your Personal Information for RGA events, we will use your Personal Information for the folowing purposes:

• To invite you to attend our events;
• To admit and accommodate you in our events;
• To provide you and other participants with any follow up information concerning an event you subscribed to attend;
• To evaluate our events for future improvement and advertise them;
• To perform administrative activities in connection to your opt-out.

If we process your Personal Information via cookies and web beacons on our Sites, please seek for more details in the section “Cookies and Web Beacons”.

Whenever we process your Personal Information we must have a legal basis. In most cases, our ability to obtain and process your Personal Information for the aforementioned purposes is based on one of the following legal bases:

1. Where required by law, we will collect Personal Information only where we have your consent to do so via an opt-in selection or a consent form provided to you;
2. Processing your Personal Information is necessary to meet our legitimate interests; and
3. Processing is necessary to comply with a legal obligation requiring us to respect your opt-out.

We will collect and use Personal Information from you where the processing is in our legitimate interests and not overridden by your data-protection interests or fundamental rights and freedoms. Our legitimate interests typically include improving, maintaining, providing, and enhancing our products, and services and supporting our marketing activities.

If at any time, you no longer wish to receive marketing communications from RGA, you may opt-out or unsubscribe using the online contact form link below. You may also e-mail such request to us at privacy@rgare.com.

Depending on the circumstances relevant to the processing of your Personal Information, we may share your Personal Information with the following parties:

• RGA group companies. We operate as a global business, so we may share your Personal Information with group companies who may use this information for the purposes described in this Privacy Notice.
• Service providers. We may share your Personal Information with service providers that perform certain services and business operations for us, for example, electronic communications providers, event planners, IT and analytics providers, online webinar platforms.
• Any law enforcement agency, court, regulator, or government authority. We may share your Personal Information with these parties where we believe this is necessary to comply with a legal or regulatory obligation, or otherwise to protect our rights or the rights of any third party.

If you require further information on who your personal information is shared with, please contact us at the details contained in the "Contact us" section below.

You have certain rights regarding your Personal Information, subject to local law and circumstances relating to the processing of your personal information.

Your rights include the right to:

• access your Personal Information and details relating to the processing of your Personal Information;
• rectify the information we hold about you;
• erase your Personal Information;
• restrict our use of your Personal Information;
• object to our use of your Personal Information;
• receive your Personal Information in a usable electronic format and transmit it to a third party (right to data portability); and
• lodge a complaint with your local data protection authority.

Please note that we may require additional information from you in order to confirm your identity and honor your requests.

To exercise your rights, you may use our online contact form, or contact us directly using the contact details provided in section ‘Contact Us’ below.

We are committed to working with you to obtain a fair resolution of any request, complaint or concern about privacy. If, however, you believe that we have not been able to assist with your request, complaint or concern, you have the right to make a complaint to your local supervisory authority (i.e. 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. Contact details of supervisory authorities are available at the following link: https://www.rgare.com/privacy/web-privacy-policy/web-contacts 

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 will normally retain your Personal Information for as long as we need it to manage our marketing, business development, and knowledge sharing campaigns and online analytics for the purposes described above.  

More specifically, in line with our data retention schedule, we keep your personal information until you may have an interest in our products, services or events. We will keep your Personal Information for one year after you have opted-out from receiving our marketing materials. 

If you would like to know more about the retention of your personal information, please contact us at the details contained in the "Contact us" section below.

We securely destroy Personal Information when its retention period has expired. However, we may retain aggregated or anonymised 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 by RGA entities in other countries, which may include countries that are not regarded as ensuring an adequate level of protection for Personal Information under the 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 and other relevant countries. Summaries of our BCRs are available at https://www.rgare.com/about-rga/binding-corporate-rules/

If we need to transfer your personal information to service providers located outside the EEA or other relevant countries, we will make sure that adequate safeguards are in place with those parties. We typically put in place 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.

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.

For all other RGA entities postal addresses, please see http://www.rgare.com/global-directory

If you would like to exercise a data subject right, you may use our online contact form.

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

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, and we may provide the notice directly to you.