Privacy Policy & Disclosures

Voya, Inc. Registered Representative's Web Site Privacy Policy
Protecting Your Privacy. Voya, Inc. (Voya Financial Advisors, INC.), Registered Representatives respect your right to privacy and are committed to protecting it. Whether you are a current customer or just visiting us online, we are dedicated to keeping any confidential financial information you provide us with secure and confidential. A summary of how we use and how we protect your information both online and in general is set forth below. You should be aware that linked sites (either to or from this web site) may contain privacy or confidentiality provisions that differ from the provisions provided herein. Your use of linked sites is governed by the privacy policies and other terms and conditions of those sites.
Privacy Online
Our web site is a great way for current and potential customers to find out more about Voya Financial Advisors,INC. products and services. It also offers users some handy "financial calculator" tools and market information. Rest assured that when you visit our site we will not try to gather any personally identifiable information from you without you knowing it. The following summarizes the extent to which we gather and use information obtained through our web site:
Cookies. A "cookie" is a small piece of information that our web site may provide to your browser while you are visiting. Most browsers are defaulted to accept and maintain cookies. Our sites create a “temporary” cookie which allows you to view some of our disclosure information. When you close your browser, this cookie is automatically deleted from your system.
Statistical Domain and Access Data. Please note that when you visit our web site, no personally identifiable information about you, such as your e-mail address, will be automatically collected by us. In fact, unless you choose otherwise, the only information we may collect from your visits is some information regarding the domain from which you are connecting to our web site, (i.e., msn.com if you are connecting from Microsoft Network, or aol.com if you are connecting from America Online) and the pages you view while on our site. This information is collected solely for statistical purposes and is not used to identify individuals.
"Contact Us" In some cases, you may actually choose to provide us with your e-mail address or other personal information such as your address or phone number. For example, when you complete our "Contact Us" form, we request certain contact information from you so that we may properly respond to your inquiry. Likewise, if you send us an e-mail for any reason, you are by default providing us with an e-mail address.
Your inquiry, whether it is an e-mail or a "Contact Us" form submission, will be addressed by an Voya Financial Advisors, INC, Registered Representative who is licensed in your state. This is necessary to help insure that your specific inquiry is answered in accordance with the laws and regulations of your state of residence. E-mail addresses or other information you voluntarily provide while visiting our web site are used solely for the purpose of responding to your questions and concerns, and will only be shared with others in accordance with applicable laws and regulations, which in some instances may require sharing such correspondence with our legal and compliance departments or with state and/or federal regulators.
Portfolios. When you visit our site, you may build a portfolio, then monitor and update it using an e-mail address and a password that you have created. We do not have access to the username and password database, which is maintained by a third party host. The database is stored on a secure server to protect information from unauthorized access using carefully developed security procedures and practices. Information is not shared with Voya Financial Advisors,INC. Registered Representatives at any time.
Protecting our children. We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
Protecting Customer Information In General
Collection, Use and Retention of Customer Information. In the course of doing business, we collect and use various types of information, including information provided by customers through personal interviews, account applications and other forms, as well as information about your transactions with us and our agents and affiliates. We use this information to service your accounts and to help you determine the types of financial products that are best suited to your financial needs and goals. We may also access information about you when considering a request from you for additional services or when exercising our rights or responsibilities under the law or any agreement with you.
Maintaining the Accuracy of Customer Information. Keeping your account information accurate and up to date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement. We will correct any erroneous information as quickly as possible.
Protection of Information via Established Security Procedures. We value your privacy and maintain physical, electronic and procedural safeguards to protect your nonpublic personal information. Access to such information is restricted to our employees, representatives and agents with a business reason for access to such information. We safeguard information according to established security standards and procedures, and train our employees and representatives to understand and comply with these protections.
Restrictions on the Disclosure of Account Information with Non-Affiliated Third Parties. Voya Financial Advisors, Inc. and Voya Financial Advosors, Inc. Registered Representatives will only provide personally identifiable nonpublic customer information to non-affiliated third parties when: 1) required by law, or by rules or regulations that govern Voya Financial Advisors, Inc., its affiliates, or the financial institutions that Voya Financial Voya, Inc. has contracted with to provide financial services , 2) required in order to process a transaction with you (such as information provided to our Clearing Brokers or Product Sponsors in order to process a transaction you have requested); or 3) you have been provided with an opportunity to stop us from sharing such information (“opt-out”) and you have not exercised such opportunity. Furthermore, whenever we share personally identifiable customer information with non-affiliated third parties, we will insist that the third party agrees to maintain the confidentiality of this information in accordance with all applicable laws.
Sharing information with Voya Financial Advisors, Inc.  affiliates. As part of Voya, one of the nation’s largest financial services companies, Voya Financial Advisors, Inc., has numerous affiliates, including several state chartered insurance agency subsidiaries. Please note that we will continue to share some account information among the Voya family of companies as permitted by law. We may do so for internal purposes, in order to process a transaction for you, or to provide you with more value or better service.
Disclosure of Privacy Principles to Customers. We believe that our customers have a right to know how their personal information is collected, maintained and used. To this end, we are committed to providing each of our customers with a summary of our privacy policies each time an account is opened and once a year thereafter. If you ever have any questions regarding these policies, please contact us by selecting the e-mail link in the “Contact Us” section of our site.

Voya Financial Advisors, Inc. and its insurance subsidiaries (“Voya Financial Advisors, Inc.”) take your privacy very seriously. We share a commitment to protect your privacy and the confidentiality of your personal and financial
information.

As providers of products and services that involve compiling personal — and sometimes, sensitive —information, protecting the confidentiality of that information has been, and will continue to be, a top priority throughout the Voya Financial Advisors, Inc. companies. We believe that you should know about the information we collect, the measures we take to safeguard it, and the situations in which we might share information with select business partners. This brochure explains how the Voya Financial Advisors, Inc. companies handle — and protect — the personal information we collect. “Voya Financial Advisors, Inc.,  companies” or “Voya Financial Advisors, Inc., company” refers to the Voya businesses listed at the end of this notice.
The information we collect and the extent to which we use it will vary depending on the product or service involved. In fact, in certain cases, we may not collect or share some of the types of information noted below. For example, in a number of cases an Voya Financial Advisors, Inc. company may have an agreement with a third party that limits the sharing of information about its customers with another company, even if that company is an Voya affiliate. These agreements will continue to be honored. Our privacy promise derives from basic principles of trust, ethics, and integrity:
1.We collect only the customer information necessary to consistently deliver responsive products and services.
The Voya Financial Advisors, Inc. companies collect information that helps serve your financial needs; provide high standards of customer service; develop and offer new products or services for our customers and potential customers; and fulfill legal and regulatory requirements. The information collected generally varies depending on the products or services you request and may include:
• Information provided in personal interviews or on applications and related forms, for example, name, address, Social Security number and annual income.
• Responses from your employer, benefit plan sponsor, or association regarding any group products we may provide, for example, name, age, address and Social Security number.
• Third-party reports, such as consumer credit history, motor-vehicle records, demographic, and/or medical information, if relevant to your product or service.
• Information about your relationships with us, such as products or services purchased, and account balances (if applicable), which we may obtain in writing, during telephone or Internet transactions or from data gathering software used when you are accessing ING Web sites.
2.We maintain safeguards to ensure information security.
We have implemented security standards and processes — including physical, electronic and procedural safeguards — to ensure that access to customer information is limited to employees, registered representatives and agents who may need it to do their jobs. They are required to respect the confidentiality of all customer information.
3.We limit how, and with whom, we share customer information.
First and foremost, we do not sell lists of our customers, nor do we disclose customer information to marketing companies outside the Voya Financial Advisors, Inc. companies, with the exception of companies we may hire to provide specific services for us, as described below.
Under no circumstances do we share medical information for marketing purposes.
We will share customer information only for the following reasons:
When it is necessary to disclose information to third parties to effect, administer, or enforce a transaction that you request or authorize — for example, when we provide information we collect to a mutual fund company from which you wish to purchase shares.
When you have requested a life insurance product, the VOYA life insurance companies may use a common application to avoid multiple medical tests; in this way, the information you provide and authorize us to obtain may subsequently be used by one or all of these companies as necessary to determine — and offer to you — the
product most appropriate for your needs.
We may be required by law or regulation to disclose information to third parties — for example, in response to a subpoena; to prevent fraud; and to comply with rules of, or inquiries from, industry regulators.
In some cases, we may share information we collect — for example, name, address, age and Social Security number, with other VOYA businesses such as our securities broker-dealers or our insurance companies and agencies to process or service a transaction you have requested, to facilitate enhanced customer services, or to inform you of financial products or services you may find useful. In a few cases, an VOYA business not listed in this notice may have a privacy policy that differs from the one stated in this notice. If that is the case, you will receive a separate privacy notice from that VOYA business if you are a customer. The registered representative or agent with whom you work to obtain financial products and services may use the personal information about you in his or her files to advise you of other products or to help you with your overall financial strategy.
An Voya Financial Advisors, Inc. company will not share information about you with another VOYA company that may be used to make insurance underwriting or lending decisions about you, unless you so direct us, or unless we tell you beforehand and give you a chance to say no.
Furthermore, as permitted by federal and state laws, we may share or exchange information with companies engaged to work with us, such as:
• Third-party administrators and vendors hired to effect, administer or enforce a transaction that you request or authorize; to develop or maintain software; or to perform marketing research.
• Financial services entities, such as banks, credit unions, credit union service organizations, thrifts, thrift service organizations, insurance companies, or securities broker-dealers, with which we have joint marketing agreements. The information we may share is described in Section 1.
• Reputable consumer reporting agencies in connection with your application or renewal of insurance coverage. Other than what is described herein, we won’t share information about you with third parties to market products to you, unless we tell you about it first, and give you a chance to say no.
We uphold these privacy principles throughout the Voya Financial Advisors, Inc. companies and with our business partners. Companies with which we share customer information are required to maintain the confidentiality of that information. In those states where privacy or consumer information laws are more restrictive than our privacy policy, we will restrict our sharing of your information to comply with state law.
We will reaffirm this policy annually in writing, as long as you maintain an ongoing relationship with any of the Voya Financial Advisors, Inc. companies. While this policy may change from time to time, you can always review our current policy online at www.voyafa.com.
In this notice of our privacy promise, the words “you” and “customer” are used to mean any individual who obtains or has obtained a financial product or service from an Voya Financial Advisors, Inc. company that is to be used primarily for personal, family or household purposes.
Following is a list of the VOYA companies that this notice applies to, as of January 1, 2004:
VOYA Advisors Network
VOYA Brokers Network LLC
VOYA Insurance Agency, Inc.
VOYA Insurance Agency of Massachusetts, Inc.
Voya Financial Advisors, Inc., Inc.
IFP Massachussetts Insurance Agency, Inc.


Important Disclosures
Voya Financial Advisors, Inc. Securities Inc (Voya Financial Advisors, Inc.), an independently managed subsidiary of VOYA, is an NASD registered securities broker-dealer and SEC Registered Investment Advisor registered in all 50 states. This web site is published in the United States for residents of the United States. Voya Financial Advisors, Inc. is a member of the Securities Investor Protection Corporation (SIPC.) Products and services mentioned in this web site may not be available in all states. To request a prospectus or information, contact your Voya Financial Advisors, Inc. investment professional. Voya Financial Advisors, Inc. is not soliciting business in international jurisdictions where it is not registered.
The information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell. This information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice designed to meet the specific needs of an individual investor. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.
Registered Representatives of Voya Financial Advisors, Inc. may also be designated to provide advisory services as Investment Advisor Representatives (IAR). IARs may receive fees for advisory services which are separate from commissions received in connection with the purchase or sale of securities. Information about Voya Financial Advisors, Inc. advisory services can be obtained by asking a Voya Financial Advisors, Inc. representative for a copy of Voya Financial Advisors, Inc. disclosure brochure or form ADV Part II.
VOYA FINANCIAL ADVISORS, INC., INC. OR ITS AFFILIATES OR DIVISIONS ARE NOT BANKS OR CREDIT UNIONS, AND THE PRODUCTS WE OFFER ARE NOT FDIC/NCUA INSURED, ARE NOT DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED BY A FINANCIAL INSTITUTION, ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, AND INVOLVE RISKS INCLUDING POSSIBLE LOSS OF PRINCIPAL, AND MAY FLUCTUATE IN VALUE.

Linked sites are not under the control of Voya Financial Advisors, Inc. and Voya Financial Advisors, Inc. is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions of this web site.