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Privacy Policy

LIMRA is committed to maintaining your confidence and trust, and accordingly maintains the following privacy policy to protect personally-identifiable information that we collect from you as you use this Web site (“Site”).  By submitting information, you agree to LIMRA’s use of such information as described in this privacy statement.

What information does LIMRA collect?

LIMRA collects personally-identifiable information (such as your name and email address) at certain points on our Site—for example, when you complete registration/subscription data for services, purchase or take a course, fill out a survey, enter a contest or sweepstakes, register for a meeting or event or complete other interactions or transactions through the Site.  The personally-identifiable information collected may consist of a unique access ID, company affiliation, title, and contact information, such as name, mailing address, email address, and telephone and fax number, areas of interest, and any other personally available information you provide.  LIMRA also collects billing information, including credit card numbers and expiration dates, from visitors who pay or register for LIMRA events, products, and services online.

LIMRA logs visitors' IP addresses for the collection of aggregate information about site visitors and their interests.  For example, in tracking information about the visits to our Site, we compile statistics that show the daily number of visitors to our Site, the daily requests we receive for particular files on the Site, and what countries those requests come from.  These aggregated statistics are used internally to improve service to our customers and may also be provided to others (such as banner advertisers).  The statistics contain no personal information and cannot be used to gather such information.

LIMRA may place a "cookie" on the visitor's hard drive in order to facilitate a user-friendly experience while users are on the Site.  Cookies are small files that contain information a website uses for tracking purposes.  LIMRA uses cookies to help track who you are when you log on to the Site.  When users log on, a cookie is set; when they log off, some cookies are deleted.  Other cookies known as “persistent cookies” are placed in visitor’s temporary Internet files in order to maintain e-commerce functions across multiple browsing sessions.  LIMRA uses the cookie information it receives to improve the efficiency of our customer service.  LIMRA may also use cookies to enhance the Site content by compiling aggregate information about what specific sections and pages users visit.  Except as provided in this privacy statement, LIMRA does not collect or make information obtained about any individual users available to third parties.

LIMRA does not direct any of our content to children under the age of 13 and no part of this Site is structured to attract anyone under 13.  We do not knowingly collect or use personally-identifiable information from children under 13.  If we learn that a user is under 13 years of age, we will promptly delete any personally-identifiable information we have collected about that user.  If you are under the age of 13, please do not send us any information about yourself.

How is the information used?

LIMRA may use the information collected to enhance the value of this Site by informing you of new research, special events, the release of reports and publications, to announce new products and services that we believe you will find useful or interesting, and to process your requests to register for and take courses.  LIMRA may use your information in the aggregate for marketing and promotional purposes, to improve the content of the Site, or to notify you about updates to our Site.  LIMRA never shares personally-identifiable information with anyone not affiliated with our organization.  LIMRA may also provide contact information in connection with LIMRA meetings to organizations that work with LIMRA.  The use of this information is limited to contact in connection with the LIMRA meeting.  Like most organizations, we may provide LIMRA conference participants with a list of attendees and contact information for conferences they attended.  At any time, you may request that your information not be used for such purposes by sending an email to LIMRA at


In order to access certain restricted portions of the Site, such as Members-Only content, a user must complete a registration form and provide their contact information (such as name and email address) and specific demographic information.  This information is used to contact the user about the services on the Site for which they have expressed interest and to ensure that only authorized users of the Site have access to the secure parts of the Site.  For example, we may send all new registered users a welcoming email to verify password and user name.  Established users may also receive information on products, services, special offers, and a newsletter.

Who can see my information?

LIMRA is the sole owner of the information collected on the Site.  We do not sell, share, or rent this information to others in ways different from what is disclosed in this statement.  LIMRA does not intentionally disclose (and shall take reasonable steps to prevent the accidental disclosure of) your personally-identifiable information to third parties (e.g., persons or entities not associated with LOMA), whether for such third parties' marketing purposes or otherwise, subject to the following exceptions:

  • LIMRA may disclose your personally-identifiable information to third parties as required or permitted by the laws, rules, and regulations of any nation, state, province, or other applicable jurisdiction;
  • LIMRA may disclose your personally-identifiable information to third parties who deliver information from us to you for the purpose of performing such delivery;
  • LIMRA may share personally-identifiable information with third party intermediaries, such as credit card companies and banks, for the purpose of conducting online purchase transactions;
  • LIMRA may disclose your personally-identifiable information if, in connection with submitting the information, you consent to such disclosure;
  • LIMRA may disclose your contact information in response to inquiries by bona-fide rights owners in connection with allegations of infringement of copyright or other proprietary rights arising from information you have posted on the Site or otherwise provided to LIMRA;
  • If LIMRA merges with or transfers substantially all of its assets to a third party, information collected by LIMRA may be disclosed to and owned by the merged entity or third party.

Internally, LIMRA restricts access to personally identifiable information to those employees who need the information to do their jobs.  These employees are limited in number, and are committed to our privacy and security policies.

If LIMRA plans to use information collected from users in a manner different from that stated at the time of collection, LIMRA will post a notice on the Site and users will have the option of being excluded from this use.


LIMRA has implemented generally accepted standards of technology and operational security in order to protect personally-identifiable information from loss, misuse, alteration, or destruction. Your credit card information is encrypted for security.  Our ordering process is protected by the Secure Sockets Layer (SSL) protocol, which encrypts your information and confirms the identity of the LIMRA server during your shopping cart purchase process.  Credit card information is maintained only for the duration of a transaction, and is not stored within LIMRA.  Despite these precautions, LIMRA cannot guarantee that unauthorized persons will not obtain access to your personally-identifiable information.

Links to other sites

LIMRA may provide links to third-party websites as a service to our users.  In addition, some of the content appearing to be on the Site may be in fact supplied by third parties, for example, in instances where we open frames to third-party websites or incorporation of content supplied by third-party servers.  Please be aware that we cannot control and are not responsible for the information collection practices of such third-party websites, which may differ from those of the Site.  We encourage our users to be aware when they leave our Site to read the privacy statements of each and every website that collects personally identifiable information.  This privacy statement applies solely to information collected by the Site.

How can I access, change, and/or delete information?

You may access, correct, update, and/or delete any personally-identifiable information that you have submitted to the Site.  You may also unsubscribe from mailing lists or any registrations on the Site.  To do so, please either follow instructions on the page of the Site on which you have provided such information or subscribed or registered, or send an email to 

Transborder hosting, processing, transfer of information, and Consent

Personally-identifiable information collected on the Site may be transferred from time to time to LIMRA offices or to associated businesses located in other parts of the world, including locations outside North America.  Furthermore, the Site may be viewed and hosted anywhere in the world, including countries that may not have laws regulating the use and transfer of personally-identifiable data.  By using the Site and submitting your information, regardless of your location, including if you are located in Canada or one of the member states of the European Union, you unambiguously consent to the collection, use, and storage of your information in the United States and to the transborder collection, transfer, use, processing, and hosting of such information anywhere in the world.

Contact our Privacy Department

If you have any questions about our Privacy Policy, please email us at