Legal, privacy, accessibility

Our cookie policy

Last Updated: November 19, 2021

Introduction

This Cookies Policy (“Policy”) describes how and why Foresters Financial (“Foresters Financial”, “we”, “us”, and “our”) uses cookies on our websites.  This Policy applies to Foresters websites and sites that link to the Policy (the “Website”) and includes:

• Foresters.com
• MyForesters.com
• MyPlans

What are cookies?

Cookies are small files, often containing a unique identifier, that websites store on your browser or device when you visit the website or app in order to remember information about you. Cookies are important to ensure that websites and web services are able to function properly, they help to personalize and improve your website experience, and can provide information about how you use the website. Those cookies are set by us and are called first party cookies.

We also allow third party cookies – these are cookies set by a domain other than the website or application you are visiting, such as for analytics or advertising purposes.

We may also use web beacons and pixel tags which are small pieces of code placed on a webpage to monitor the behavior and collect data about website visitors (for example, to count the number of visitors to a webpage, to deliver a cookie or to confirm if you have opened an email from us).

What are the types of cookies we use?

Our Website uses three main groups of cookies, as described below:

We use required cookies to enable our Website to function properly, including to allow you to navigate and access secure areas of the Website.

We use functional cookies to allow us to analyze and measure Website usage, and to improve performance and functionality.

We use advertising cookies to permit Foresters or advertising companies to serve ads that are relevant to your interests.  

Our Website uses two types of cookie durations - persistent and session cookies. Persistent cookies are cookies that remain on your device for a specified duration of time or until you manually delete them or object to them. Session cookies are temporary cookies that expire at the end of the browser session (e.g., when you leave our Website or close your browser).

To learn more about the type of cookies we use and why we use them, click“Cookie Preferences” in the footer of any page, then click on “View cookie settings” and then “Advanced settings.”

Setting your cookie preferences

When you first visit our Website, and periodically thereafter, we will inform you of why we use cookies, and you will have the opportunity to control the non-essential cookies you choose to accept by either clicking on “Agree and proceed” or on “More information” to select which cookies to accept or reject.

 

You may set or change your cookie preferences at any time by clicking “Cookie Preferences” in the footer of any page.

If you choose to reject or delete cookies, some or all of the functions on our Website may not be available to you.  If you use multiple devices to access our Website you should ensure that the browser on each device is adjusted to suit your cookie preferences.

It is important that your browser is set to accept required cookies otherwise you will not be able to enjoy the Website fully and your ability to use certain features and functionalities may be impacted.

A useful resource to learn more about managing cookies can be found at www.allaboutcookies.org.

Do Not Track Signals

Foresters does not track its customers or members over time in order to provide targeted advertising or for other purposes. Some browsers offer the capability to active a “Do Not Track” signal. We do not currently process or respond to “Do Not Track” signals from your browser. We and our third-party service providers may collect personal information about our customers and members online activities. 

Links to other third-party sites

If you follow a link from our Website to a third-party website, please be aware that the owner of the third-party website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their website. When viewing videos on this Website they are being viewed through a third-party video player. These video players (example YouTube) will place cookies on your device. These cookies are required to play the video on our Website and may also be required to support website accessibility for people with disabilities.

Contact us

You may contact us for more information on our use of cookies at:

Chief Privacy Officer

Email: privacy@foresters.com

 

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Enterprise Privacy Statement

This policy was last updated: August 2023

Good privacy management stems from good privacy governance. At Foresters we hold ourselves accountable for protecting the privacy of the Personal Information entrusted to us by our members, customers and employees. Proactive management of Personal Information creates a culture where the importance of privacy management is understood and thereby adds value to our organization, our members, customers and employees. Personal information is any information about an identifiable individual, such as name, age, address, gender, government identification numbers, financial information, health information and medical records. It may also include online identifiers, such as IP addresses and cookie identifiers. (“Personal Information”).

 

Scope

This Enterprise Privacy Statement (“Enterprise Privacy Statement”) applies to all Foresters Financial (“Foresters”) business operations and subsidiaries. Foresters is an international financial services provider operating in Canada, the United States and the United Kingdom. Foresters complies with applicable privacy/data protection laws in the jurisdictions where we do business. The privacy principles described below are supplemented by more detailed privacy policies that reflect the requirements of applicable laws in the countries in which we operate. We will provide you with these policies if they apply to your Personal Information. These specific policies will govern in the event of a conflict with this Enterprise Privacy Statement.

Canada privacy policy
US privacy policies
UK privacy policy

Privacy Principles

We adhere to the following principles when handling Personal Information:

Accountability: We are responsible for Personal Information under our control and establish this Framework for managing privacy across all our business operations. We have designated individuals who are responsible for monitoring compliance with these principles, our policies, practices and procedures and the expectations of our regulators.

Transparency – Individuals have the right to be information about the collection, use, disclosure and retention of their personal information. We make information about our privacy policies and practices readily available to individuals, subject to any exceptions permitted by law.

Identifying purposes – We will be transparent about our privacy practices and will clearly identify the purposes for which we collect, use, retain and disclose Personal Information.

Lawful basis – We will only collect, use and disclose your Personal Information as reasonably necessary for the identified purposes, and only do so where there is a lawful basis. Sometimes, this will be with the knowledge and consent of a member, customer or employee. At other times, it will be on the basis of a contractual obligation, legal obligation, our legitimate interests or vital interests. But in each case only to the extent necessary to fulfill that obligation or interest. Where we require your consent, we may obtain it in writing, verbally, electronically or through an authorized representative. Consent may also be implied.

Limiting Collection – We will limit the collection of Personal Information to that which is necessary for the purposes we identify, and we will collect it fairly and lawfully.

Limiting use, disclosure and retention – We will not use or disclose Personal Information for purposes other than those for which we collected it, except with your consent, or as permitted or required by law. We restrict the access to and disclosure of Personal Information to those who have a need for the information. This may include our employees, licensed representatives or service providers who need the information to perform their duties or to provide us with services. It may also include other companies within the Forester group of companies. who, from time to time, may offer or promote other financial products, benefits or services, or those of select third parties, that we believe may be of interest to our members and customers. We may also have joint marketing or distribution agreements with other financial institutions that may offer or promote products that we believe may be of interest to our members and customers.

In some instances, our employees, advisors, service providers, representatives, reinsurers and any of their service providers may be located in other jurisdictions outside Canada. Personal information may then be subject to the laws of those other jurisdictions and these other jurisdictions may have different privacy and data protection laws than your jurisdiction. All such persons, whether or not they are located in Canada or outside Canada, are required to protect the confidentiality of personal information in a manner that is consistent with our privacy policies and practices, in compliance with applicable law.

We do not retain Personal Information longer than is reasonably necessary or relevant for the identified purposes or as required by law. Once retention of Personal Information is no longer reasonably necessary or relevant for the identified purposes, nor required by law, it will be destroyed, erased or made anonymous. We establish policies setting standard retention periods for each jurisdiction.

Accuracy – We make reasonable efforts to keep Personal Information accurate, complete, and up-to-date as is necessary for the purposes for which it will be used.

Security safeguards– We will classify and protect Personal Information by security safeguards appropriate to the sensitivity of the information. We make reasonable effort to prevent any loss or misuse, or any unauthorized disclosure, destruction or modification, of Personal Information.

Individual Rights – Upon request, and as required by applicable laws, we inform authorized individuals of the existence, use and disclosure of their Personal Information and give them access to it as required by law. Individuals may challenge the accuracy and completeness of their information and have it amended, as appropriate. Subject to applicable laws, individuals may also request us to delete the personal information we hold about them. We will consider all such requests and provide our response within a reasonable period, and as required by such laws. Certain personal information may be exempt from such requests in certain circumstances.

Challenging compliance – Individuals may challenge compliance with the above principles by contacting our Global Chief Privacy Officer who is located at our corporate head office in Toronto, Canada. We also have individuals responsible for privacy in each jurisdiction in which we operate. If you have any questions, concerns or complaints about the handling of your Personal Information at Foresters, please contact a local privacy officer. 

Global Chief Privacy Officer
789 Don Mills Road
Toronto, ON M3C 1T9
416-467-2530
privacy@foresters.com

 

Online Privacy

Some of our websites and mobile applications may use online data collection tools, cookies and other similar technologies, to improve functionality, enhance security, evaluate the effectiveness of our websites and advertising campaigns, to locate, identify and profile you, or provide visitors with a customized online experience. For more details, including the means to activate such technologies, please refer to our Cookie Policy and our Online Privacy Statement.

Local privacy policies

Foresters is an international financial services provider operating in Canada, United States and the United Kingdom. We may supplement this privacy statement with more specific privacy policies that are in line with this statement and principles and, where appropriate, reflect the legal and operational requirements of our business operations or the countries in which we operate. We will provide you with these policies if they apply to your Personal Information. These specific policies will govern in the event of a conflict with this privacy statement.

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Our commitment towards Online Security

Foresters Financial is committed to keeping your information secure. Foresters ensures the security of information and information systems by implementing adequate measures to protect the confidentiality and integrity of your information.

How do we protect your online account information

Your online account with Foresters Financial is protected from a wide variety of cyber threats.

Your user name and Password – All passwords are encrypted and we have implemented industry standard authentication systems to protect your online credentials. The protection mechanisms what we use are supporting to avoid unauthorized users.

Your role in protecting your information

Protect your Identity
The act of deliberately using someone else’s Identity is known as identity theft. Identity theft is a growing problem that affects thousands of individuals annually. Always be aware of new ways in which you are at risk for identity theft.

How do I prevent Identity Theft?

Identity theft can be prevented by not giving away unnecessary information. Sometimes it occurs as a result of negligence. To minimize the risk of becoming a victim of identity theft, there are some basic steps you can take.

• Verify that your computer is protected by Antivirus software
• If you use a laptop for business or personal use, ensure that it is encrypted. That way, if it is stolen, the information contained on that machine is more difficult to retrieve
• Protect your various accounts with a strong password and change it on a regular basis
• Never click links in suspicious emails and don’t open attachments from untrusted senders
• Don’t respond to emails requesting your personal or account information
• Always look for the “security lock” icon before supplying credit card information on any website
• Do not input personal information on a computer in a public place, like a library, coffee shops, etc.
• Be wary of phone calls during which which someone is asking for your personal information
• Securely store documents that include confidential information
• Keep your financial, medical and insurance files in a secure location
• Shred documents that contain important personal information and commercial information about you.

Phishing scams

Phishing is a type of social manipulation that uses malicious emails and websites to steal personal information like passwords, banking details, credit card numbers, etc. in order to make financial gains. Most phishing emails contain links and attachments linked to ransomware.

How can I detect a phishing email?

• Do not click on any links provided in any emails you receive.
• If you are unsure about the link provided, enter it directly into your web browser to validate it.
• Do not respond to emails that ask you to provide confidential information. Legitimate emails will not ask you to provide such information.
• If you have any concerns, call the company directly and inquire.

Computer security tips

There are some best security practices that can help protect your information:

• ActiveX – this technology is used by the Windows system and by Internet Explorer. Using this technology can increase the attack surface by allowing Internet browsers to install programs automatically. If ActiveX is not used anywhere in your browsing experience, it can be disabled.
• Plugins – these are applications designed to extend the functionality of the browser. But they may contain programming defects, such as buffer overflows, cross-domain violations, etc. Do not enable plug-ins if you are not familiar with them or use them during your browsing experience.
• Cookies – cookies are files used to store information that will be transmitted automatically to browsers as you browse. They may also contain user identification and other sensitive information. Avoid enabling cookies in your browser and regularly clear your browsing history.

Make a backup of your data – All computers and their components can fail. Although this probability is lower today thanks to modernized technology and improved reliability, it still represents a risk. Systems failure is the main cause of data loss or corruption, and when it occurs, the only option is to restore data from a backup file.

One of the most common causes of data loss is the physical failure of the media where the data is saved. Normally, hard drives will work for years without incident, but eventually they will fail. This may happen gradually or suddenly, and sometimes the hard drive may fail without any warning. Many people underestimate the importance of backup files until they experience the unexpected loss or corruption of valuable data.

• how and what to back up – backing up data is simple if you set up your folder structure correctly. It is easier and faster to do backup if all files and subfolders are organized in a single parent folder.
• when to backup – this depends on how often you change your files. you could do this once a week, or even once a day.

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A Special Notice about My Foresters

Foresters Financial members are currently only those insured under a life insurance certificate issued by The Independent Order of Foresters. If you are a Foresters Financial member, you may be eligible to register for My Foresters, an online member information service that allows you to view your member benefits package, to register for member events, and to receive other information or services related to your Foresters membership. You will need to meet the eligibility requirements on that site; for example, you must be at least 16 years of age.

To use the My Foresters site, you will need a user name and password, and any additional security measures that Foresters may require. By obtaining a user name and password, you agree that:

• You are responsible for keeping your user name and passwords safe
• If someone signs in to the My Foresters site using your user name and password, we can treat that person as if they are you
• We cannot, and are not required, to confirm the identity or authority of anyone who uses our online services, except by ensuring their password matches their user name
• We can rely on this user name and password as electronic identification, to accept instructions given online as if you had given us written signed instructions

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Introduction

Foresters Financial (Foresters) maintains the privacy and security of individuals’ personal information while collecting, using and disclosing personal information in compliance with applicable laws. We support the rights of individuals or their authorized representatives to access, correct or delete information, subject to any restrictions in applicable laws. We will not collect, use or disclose personal information except as described to you in this privacy policy.

Your rights and choices

You have the right to make certain requests and choices regarding your personal information. For example, you may:

• Review or access the personal information we have about you or request a copy of it. Download our Access Request Form here.
• Ask us to update or correct personal information if it is inaccurate
• In certain circumstances, request a list of disclosures we have made of your personal information
• Request that we delete your personal information, subject to any restrictions in applicable laws
• Opt-out of sharing your personal information with third parties for some purposes
• Object to certain types of uses of your personal information
• Make choices about receiving marketing information and emails

 

These rights vary depending on where you reside, but we will make reasonable efforts to honor your request, even if we are not required by law to do so. We may take reasonable steps to verify your identity before granting your request.

 

In some cases, if you ask us to delete or stop using your personal information, we may not be able to honor that request if the information is required to maintain your products or services with Foresters or for us to comply with tax, audit, legal or regulatory obligations. Please contact us to exercise one or more of these rights.

 

If you are a resident of California click here to learn additional information that may be relevant to you or additional rights you may have. 

 

How long do we keep information?

We aim to keep your personal information only as long as reasonably necessary to fulfil the purposes described in this policy and to comply with our legal and regulatory obligations. When information is no longer needed, we will destroy, delete or de-identify in a manner that is appropriate for the sensitivity of the information, the media in which it is stored or retained, and as required by law.

Consumer Privacy Notice 

This privacy notice applies to The Independent Order of Foresters (Foresters Financial^TM).

This notice is to help you understand how we handle your non-public personal information with your consent, or as required or permitted by law. You may also print a copy of this Notice from our website.

 

Information we collect

We may collect your personal information from multiple sources including:

 

Directly from you, such as:

• Applications and other forms, for example when you apply for insurance or file a claim.
• Information from our telephone conversations with you, and information you provide us online. This may include your name, address, social security number, financial and health information, and voiceprint biometric data.
  
  

Indirectly from you, such as:

• Through your transactions with us, our affiliates, or others. This may include information about your premiums or payment history
• From your use of our products and services including products and services provided through third parties. For example, your use of our member benefits
• When you interact with our websites, applications, or social media sites. This may include information about your device, IP address, your web browser and the pages you accessed
  
  

From third parties and other sources, such as:

• From your insurance agent or broker to service your insurance product
• From consumer reporting agencies to process or administer the products or services you requested
• Information we receive from health care providers, clinics, the Medical Information Bureau and others who have records about your health
• Other sources may include insurance-support organizations, who may keep and disclose information as allowed by law
  
  

Why we collect your information

Collecting your information helps us to:

• Offer, assess your initial and continued eligibility for, and to administer and deliver, products and services
• Market and improve our products and services  
• Adjudicate claims, process payments and respond to your inquiries or complaints
• Identify, detect or prevent fraud or security breaches including verifying your identity  
• Communicate about membership, hold community events and activities, and operate our branch system
• Support and optimize users’ experience on our websites and applications
• Conduct market comparisons, research, support business analysis and operations.
• Fulfill our legal and regulatory obligations
  
  

How we share your information

The law allows us to share certain information we collect. It also gives consumers the right to limit some, but not all, sharing. We do not share information about our customers or former customers with anyone, except as set out in this notice or in a prior authorization.

We may share your information as follows:

• With employees, agents, agencies and affiliates to provide or service your products or services
• With affiliates and non-affiliates who help us with our everyday business or who perform services on our behalf
• With others that perform marketing services on our behalf or for joint marketing with other financial institutions
• In response to court orders, or to comply with requests made by law enforcement and regulatory authorities, and to comply with and as permitted by law
• To support the purposes for which we collect your information as described in this notice

We do not sell your personal information.

 

Confidentiality and security

We have administrative, physical and technical safeguards to protect your information. We train our employees on how to properly handle your information. When we share, we require non-affiliates to keep your information confidential.

 

Your rights

You may have the right to correct, amend or delete the personal information we have about you. You may do so by contacting us by email or in writing. You may also review your information in person at our Head Office. We may charge a reasonable fee to cover the costs incurred to provide you with copies of any requested information. To exercise any of these rights, contact us at the email or mailing address below. If we agree to your request, we may correct, amend, delete or anonymize your personal information, as applicable, and notify affected parties as required by law. If we do not agree to your request, we will let you know. We may maintain a record of your request in our files. You may also request a list of disclosures we have made of your medical records and other personal information, with certain exceptions.

For Vermont residents. We will not share information about your creditworthiness with our affiliates, other than as allowed by law, unless you authorize us to do so.

 

Contacting us

If you have a question about this privacy notice, you may contact us:

By mail:

Foresters Financial

Attn: Chief Privacy Officer
P.O. Box 179

Buffalo, NY – 14201

Email address: privacy@foresters.com

Toll free: 800-828-1540

 

Effective: May 1, 2023

Online Privacy Notice for California Residents

Effective Date: January 1, 2020

Last Updated: May 2022.

 

This Online Privacy Notice for California Residents (“Notice”) supplements the information contained in Foresters Enterprise Privacy Statement, US Privacy Policy and Online Privacy Statement and our California Privacy Notice and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”).

Information we collect

We use several technologies to collect information for business purposes about visitors to Foresters Sites. This may include information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly with an individual or with a device (“personal information”).

Personal information does not include:

• Publicly available information from government records.
• Deidentified or aggregated consumer information.
• Information that is specifically excluded from the scope of the California Consumer Protection Act including:
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act, Gramm-Leach Bliley Act, or the California Financial Information Privacy Act.
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996.

Over the last 12 months, we may have collected and/or disclosed the following categories of personal information for a business purpose:

• Online identifiers, such as a name, alias, address, date of birth, Internet Protocol (IP) address or other unique identifiers.
• Internet or other similar network activity, such as browsing history, search history, information about a consumer’s interaction with our Sites, or advertisement.
• Geolocation data, such as information about the location of consumers or their device(s).
• Professional or employment related information, such as when applying for a job opportunity, including current or past job history.
• Non-public education information, such as education records provided when applying for a Foresters Scholarship, including grades, transcripts.
  
  

Your rights and choices

The California Consumer Protection Act (“CCPA”) provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

 

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you
• The categories of sources for the personal information we collected about you
• Our business or commercial purpose for collecting that personal information
• The categories of third parties with whom we share that personal information
• The specific pieces of personal information we collected about you
• If we disclosed your personal information for a business purpose, identifying the personal information categories that each category of recipient obtained

 

Deletion Request Rights

You have the right to request us to delete any of your personal information that we hold, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may not be able to honor your request if retaining the information is necessary for us or our service provider(s), such as to:

• Complete the transaction for which we collected the personal information, provide a product or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Identify errors, repair or maintain systems, including errors that impair existing intended functionality.
• Comply with our legal and regulatory obligations.
• Enable internal and lawful uses of that information that are reasonably aligned with consumer expectations based on your relationship with us and compatible with the context in which you provided it.

 

Exercising Access, Data Portability, and Deletion Rights

To exercise any of the rights described above, you can submit a consumer request in one of the following ways:

 

1. Submit a Personal Information Access Request Form.
   Download and fill out the Form. Return the completed form to us in one of the following ways:

   via email at privacy@foresters.com
   

   via regular mail: 
   Foresters Financial 
   Attn: AVP North America Compliance and Privacy Officer 
   PO Box 179 
   Buffalo, NY 14201
   
   

2. Call us toll free at 800-828-154

To respond to a consumer request, we will need to verify your, or your authorized representative’s, identity or authority to make the request. Only you, or your authorized representative, may make a consumer request related to your personal information. You may also make a consumer request on behalf of your minor child. We will not be able to respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

You may make a consumer request for access or data portability twice within a 12-month period. The consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Making a consumer request does not require you to create an account with us.

We will only use personal information provided in a consumer request to verify the requestor's identity or authority to make the request.

 

Response Timing and Format

We endeavor to respond to a consumer request within thirty days (30) days of receiving it. If we need more time, we will inform you, in writing, of the reason and extension period.

We will deliver our written response by regular mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding receipt of the consumer request. If applicable, our response will also explain the reasons we cannot comply with a request. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We generally do not charge a fee to process or respond to your request unless it is excessive or repetitive. If we determine that a fee is necessary, we will tell you why and provide you with a cost estimate before we complete your request.

 

Non-Discrimination

We will not discriminate against you for exercising any of your rights under this Notice unless permitted by law.

 

Changes to our Privacy Notice

We reserve the right to amend this Notice at our discretion and at any time. When we make changes, we will post the updated Notice on our Sites and update the effective date. Your continued use of our Sites after any changes to this Notice constitutes your acceptance of such changes.

 

Online Privacy

Foresters understands that you care about how we collect, use and share information when you interact with us online through our websites, social media platforms, online services and mobile applications (collectively “Sites”). It outlines the types of personal information we collect through our Sites, how we use it, with whom we share it, and some of the choices you can make about our use of the information.

Some of our Sites may use online data collection tools and/or cookies to improve functionality, enhance security, evaluate the effectiveness of our Sites and advertising campaigns, or provide visitors with a customized online experience.

Our Online Privacy Policy explains the types of information we collect through our Sites, how we use and protect that information, and the choices you have regarding our collection, use and sharing practices. You can also learn more about how we use cookies in our Cookies Policy.

 

Information we collect online

Using various technologies, Foresters or our service providers may collect various information from or about visitors to our Sites. Information we collect online may include:

• Personal information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly with an individual or with a device. This may include information about your browser, IP address, device type or how long a visitor used the site and the pages they visited. Click here to learn more about how we use cookies.

Anonymous data about visitors to our Sites, such as browsing history or geolocation data.

Analytics

We use Google Analytics, Web Trends and similar analytics service providers (“analytics services”) to collect various types of data about use of our Sites. We use this data to monitor and improve our Sites, measure the effectiveness of our marketing and engagement campaigns and to offer you content, products or services that may be of interest to you.

 

Advertising

Foresters may contract with advertising and marketing service providers to promote our brand, products and services, across different media, including on third party websites that are not affiliated with us. They and third parties, including Facebook and LinkedIn, may use cookies, web beacons and similar tracking technologies to gather information about your online activities, including your interactions with our Sites and the pages you visit. We may use this information to deliver advertisements to you, both online and offline, that are customized to meet your specific interests. For example, we may send a marketing email based on a consumer’s interaction with a specific Site. We may combine aggregated and de-identified data, along with other personal information we have about you and your relationship with Foresters to determine which advertisements, products or services may be of interest to you, display them to you, monitor responses, and help us measure customer engagement.

To learn more about your choices relating to the collection and use of data for analytics or targeted advertising, visit https://youradchoices.com/control.

 

Social media

We use social networking platforms such as Facebook, Instagram, LinkedIn, Twitter and YouTube (“social platforms”) to provide product and service information, articles, news, community events and career opportunities. These social platforms facilitate online sharing and collaboration among users who have registered to use them. Any content you post on social platforms, such as pictures, videos, information, “Likes”, or any personal information you choose to make available on these platforms is subject to the terms of use and privacy policies of those platforms. We may receive personal information about you when you use such social platforms, for example your profile picture.

Some of our Sites may include social media buttons or icons (“plug-ins”) that enable users to easily share information on a social platform. These plug-ins may log certain information such as your IP address, browser type and language, and the web pages you have viewed. If you are logged into a social platform while using our Sites, they may also link information collected with your profile on that social platform. Foresters does not control these third-party tracking technologies. We encourage you to review the privacy policies on social platforms where you have an account to better understand how they collect and treat such information. Foresters is not responsible for the privacy or security practices of the social platforms we use.

 

How do we use and share your online information?

We use and share personal information only for disclosed purposes related to the products and services we offer, with your consent or as required or permitted by law. We may also use the information we obtain through our Sites in a way that does not directly identify you. For example, we may combine information about the nature or frequency of visits to our Sites and use or share aggregated information for statistical research or analysis, to optimize user experience and diagnose technical problems on our Sites, or other business purposes. We may share your information with our affiliates and licensed agents and agencies to provide you with a full range of our products and services. We may share your information with non-affiliated third-parties who help us conduct our business or who perform services on our behalf. They are contractually obligated to use, protect and secure your information in accordance with our policies and standards or as permitted or required by law. They only have access to the information necessary to perform these services on our behalf and are prohibited from using the information for any purposes except performing the contract.

Foresters does not sell your Personal Information.

 

How do we protect your information?

We strive to protect your personal information from the risk of loss, unauthorized access, disclosure, modification, or misuse. We comply with applicable laws and regulations and have implemented reasonable physical, electronic and procedural safeguards to protect your information that are appropriate for its sensitivity. For example, we encrypt your personal information and we use advanced firewall technology and layered security tools to protect our environment. We restrict access to your personal information to those employees who need to know the information to provide or administer our products or services. We regularly train employees to keep your information safe.

Contact us

If you have questions or wish to contact us about this policy please contact us:

Toll-free: 800-828-1540

Email: privacy@foresters.com

Regular mail:

Foresters Financial

Attn: Chief Privacy Officer

PO Box 179

Buffalo, NY 14201

 

Complaints

If you have a concern regarding our handling of your personal information you may contact us at privacy@foresters.com or call us at 800-828-1540. We will explain our complaint procedure to you and investigate all complaints. If a complaint is justified, we will take all appropriate steps to set the situation right, including changing our policies and practices if necessary. We will also let you know what other complaint procedures may be available to you.

 

Changes to this policy

We may change this policy at any time at our discretion and as required by applicable laws. If we make material changes, we will post those changes on our Sites.

419742 US (05/23)

 

In this section, “you” or “your” mean the person using the site. “We”, “us” or “our” means The Independent Order of Foresters (“Foresters”) and its affiliated companies. Together, we are “Foresters Financial”.  Additional or different terms of use may apply to other websites for the Foresters Financial family of companies, and you should review the terms of use posted on the website(s) you wish to use. Please note, the legal disclosures contained below may not be applicable to all the entities within the Foresters Financial family of companies therefore it is important you the disclosures carefully.

Trademark notice
Foresters and its affiliated companies each own or are licensed to use the trademarks on this site. For example, The Independent Order of Foresters owns Foresters and our logo, and its affiliates are licensed to use these. The trademarks are protected by Canadian, U.S. and European Union trademark laws. All rights reserved.

Ownership and use of content
The content of this site is protected by copyright. You can copy information for your own personal non-commercial use, but may not otherwise republish or reproduce any part without the prior written permission of the applicable Foresters Financial entity.

Governing law
If any provision in these Terms of Use is held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. These conditions of use shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada. You hereby consent and submit to the exclusive jurisdiction of the courts of the Province of Ontario sitting in the City of Toronto in any action or proceeding related to your use of this site.

Warranty, availability, advice and solicitation disclaimer

The use of the site is at your own risk. Foresters Financial provides access to resources and other information on the site as a service to our clients, members, producers, registered representatives and the public. However, please bear in mind that all information on the site is being offered free of charge and that the information has not been tailored for your particular situation. Although we make every effort to provide accurate and complete information on this site, we do not guarantee that the information is error-free. Therefore, all information is furnished without warranties of any kind, implied or expressed. Additionally, under no circumstances shall Foresters Financial be liable to you or any party for any direct, indirect, special or other consequential damages arising out of any use by you of this site. As with all financial matters, you should exercise great care in using the information on this site. All information is subject to modification and update from time to time without notice. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

Foresters Financial makes no representation that the products discussed on this site are available in all states in the United States or in all geographical areas, nor do we represent that the products are appropriate for all individuals, and the terms and conditions of some products may vary by jurisdiction. You may not be eligible for all of the products described herein. We do not intend to advertise products or services to residents of jurisdictions in which those products or services are not available. Please consult with a financial adviser or insurance agent to ascertain product availability and potential suitability. Nothing on this site should be construed as tax, legal, estate planning, investment or accounting advice. The content could become inaccurate as a result of developments occurring after publication. We endeavor to maintain this site and its operation.

Everyone’s situation and needs are different. This site gives you general information about Foresters Financial’s products. However, it does not intend to give you individualized financial or other professional advice. You should consult your financial adviser if you require any financial or other professional advice.  All material on this site is furnished solely for informational purposes and does not constitute an offer to sell or a solicitation of an offer to buy any financial product referenced in this site.

The information on the site is also not intended to be an offer by us to enter into a contract with you. If you would like more information about our products, or how to purchase them, click here. All products and services are subject to the terms and conditions of all applicable agreements.

Joint accounts

Unless we are notified otherwise and provided such documentation as we require, joint brokerage accounts shall be held jointly with rights of survivorship (payable to either or the survivor). Each joint tenant irrevocably appoints the other as attorney-in-fact to take all action on his or her behalf and to represent him or her in all respects in connection with this Agreement. We shall be fully protected in acting, but shall not be required to act upon the instructions of either joint tenant. Each joint tenant shall be liable, jointly and individually, for any amounts due to us pursuant to this Agreement, whether incurred by either or both joint tenants.

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