Last modified: February 2025

Pacific Life (“Pacific Life”, “Us” or "We") respects your privacy and is committed to protecting it through our compliance with this policy.

Pacific Life has established the following Online Privacy Policy that describes how we use the information we collect from our website visitors. For the purposes of this policy, our US websites will be collectively defined as our “Website.”  Pacific Life within this policy means Pacific Life Insurance Company and its US subsidiaries, including, but not limited to, Pacific Life & Annuity Company, and Pacific Select Distributors, LLC.

This policy does not apply to information:

• Collected by us when you apply for a Product or Service, please refer to our Privacy and Other Policies page for the applicable Privacy Notice.
• Collected by us when you apply for a job. Please see our Applicant Notice for more information.
• Collected by us offline or through any other means, including any other website operated by one of our affiliates; or
• Collected by any linked third-party website that may be accessible through the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with any part of this policy, then please do not use the Website. Please review this Online Privacy Policy frequently as it may change at any time at Pacific Life's sole discretion. The "Last modified" date at the top of this page indicates when the last revision was made. Any changes will become effective when we post the revised policy on the Website. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Pacific Life is licensed and registered to provide products and services in the United States only; therefore, the Website and the information contained within them is intended for use in the United States only.

Our Website is not intended for children under the age of 13. We do not knowingly collect any personal information from children under 13. If you are a parent or guardian of a child under 13 who has provided information to us without your knowledge or consent, you may submit a request to remove the child’s information by contacting us at the contact information listed below.

Information We Collect About You and How We Collect It

We collect several types of information from and about Website visitors, including:

• Identifiers such as name, email, address, phone, directly from you when you provide it to us for example when you submit a contact form.
• Information collected automatically as you browse our Website, review content, and watch informational videos. This may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies. For more information, please see our Automatically Collected Information Section below.

Automatically Collected Information

When you use our Websites, we may obtain certain information by automated means, such as browser cookies, web beacons, device identifiers, server logs, and other technologies. The information we obtain in this manner may include your device IP address, domain name, identifiers associated with your devices, device and operating system type and characteristics, web browser characteristics, language preferences, clickstream data, your interactions with our Websites (such as the web pages you visit, links you click and features you use), the pages that led or referred you to our Websites, dates and times of access to our Websites.

In addition, we partner with other third-parties, including third-party advertising networks and social media websites, to manage our advertising on other Internet websites. Our third-party partners may use cookies, pixels, web beacons, JavaScript tags, and other storage technologies to collect or receive information about an IP address, device type, date and time of visit, browser type, and your activities on those websites or elsewhere on the Internet and use such information to provide measurement services and targeted advertising for us.

Some of our Websites may include social media buttons or icons (“plug-ins”). These plug-ins may log certain information such as your IP address, browser type and language, and what webpages you view and when. If you are logged into those social media platforms while using our Websites, they may also link such collected information with your profile on that platform. We do not control these third-party tracking technologies. We encourage you to review the privacy policies on social media platforms where you have an account to better understand how these third parties collect and treat such information. We are not responsible for the privacy or security practices of the social media platforms we use.

We use analytical trackers such as Adobe Analytics and Google Analytics, to collect various types of data about the usage of our Websites and electronic communications. They use cookies, SDKs and other technologies to collect and generate data about how often users visit, what pages they visit, when and for how long, clickstream data (such as mouse clicks, mouse movements, scrolling activity), what other websites they visited prior to coming to our Websites, and what links to other websites they follow. We use the insights we obtain from them to improve our Websites and also use this data to present you with content, products, or services we hope will interest you. You can prevent these Analytics Services from recognizing you on return visits to our Websites by changing your Cookie settings or disabling cookies in your browser or by installing an add-on such as that offered by Google Analytics. Please, visit Adobe Privacy to learn about Adobe Analytics' privacy practices or to opt-out of cookies set to facilitate reporting. To opt-out of being tracked by Google Analytics, you may download and install the Google Analytics Opt-out Browser Add-on.

These technologies help us (1) properly identify your computer and remember your information so you will not have to re-enter it, (2) tailor our Websites around your preferences, (3) measure the usability and functionality of our Websites, (4) understand the effectiveness of our communications, (5) generate meaningful usage statistics, such as how many visitors entered our Websites, how they interacted with our Websites and specific pages that were visited, and (6) otherwise manage and enhance our Websites.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will serve cookies when you direct your browser to our Website.
• Web Beacons. Pages of our Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Pacific Life, for example, to count users who have visited those pages and for other related Website statistics (for example, recording the popularity of certain Website content and verifying system and server integrity).    

You can stop certain types of cookies from being downloaded on your computer by selecting the appropriate settings on your web browser. Most web browsers will tell you how to stop accepting new browser cookies, how to be notified when you receive a new browser cookie and how to disable existing cookies. You can find out how to do this for your particular browser by clicking “help” on your browser’s menu or by visiting www.allaboutcookies.org. Our Websites are not designed to respond to “do not track” signals received from browsers. Please be aware that if you choose to disable cookies or other automated technologies, you may not be able to use all the features of our Websites.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• To provide the Services and related support, and to fulfill other customer service and support purposes.
• To communicate with you, including to respond to your requests, submissions, and inquiries; to request feedback from you; and to send you important updates and communications about this Privacy Notice and/or other applicable terms and conditions.
• To protect the integrity of the Services, including to verify your identity and to detect and prevent fraud and unauthorized activities.
• To analyze and improve the Services and our business, including to better understand how you and others access and use the Services; to evaluate and improve the Services and our business operations; to develop new features, offerings, and services; to conduct surveys and other evaluations; and to fulfill other research and analytical purposes.
• To personalize the Services, including to tailor content we display on the Sites and send you relating to the Services (e.g., information that is relevant to your geographic area); to offer personalized help and instructions; and/or to otherwise personalize your experiences with the Services.
• To send marketing and promotional communications, including emails and other communications about our Products and Services.
• Secure and protect our business, including to protect and secure our business operations, our assets, the Services, and our systems and networks and to investigate, prevent, detect, and take action regarding fraud, unauthorized access, situations involving potential threats to the rights or safety of any person or third party, and/or other unauthorized activities or misconduct.
• Defend our legal rights, including to manage and respond to actual and/or potential legal disputes and claims and/or to otherwise establish, defend, or protect our rights or interests, including in the context of anticipated or actual litigation.
• Auditing, reporting, corporate governance, and internal operations, including to carry out financial, tax, and accounting audits and audits and assessments of our operations, privacy and/or security posture, financial controls, risks, and compliance with legal obligations; to carry out our general business, accounting, record keeping, and legal functions; to maintain appropriate business records; to enforce company policies and procedures; and to carry out business transactions (e.g., any actual or contemplated merger, acquisition, asset sale or transfer, financing, bankruptcy, or restructuring of all or part of our business).
• Consent.  We will also use your personal information as described to you at the point of information collection or with your consent.
• To present our Website and its contents to you.
• To analyze and understand how you access, use, and interact with our Websites; to identify and resolve bugs and errors in our Websites; to assess, secure, protect, optimize, and improve the performance of our Websites; for marketing, advertising, measurement and analytics purposes; and to personalize content on our Websites
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.    

Disclosure of Your Information

We may disclose aggregated information about our website users, and information that does not identify any individual, without restriction.

We may disclose the personal information that we collect or that you provide, as described in this policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Pacific Life's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Pacific Life about our Website users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our terms and conditions located here.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Pacific Life, our customers, or others.

State Privacy Rights

California’s state consumer privacy laws may provide their state residents with additional rights regarding our use of their personal information.

Please review the privacy notice which is applicable to your relationship with us for more information:

• California Producer Privacy Notice
• US Employee Privacy Notice
• Applicant Privacy Notice

To learn more about your California resident privacy rights please visit our Your Privacy Choices page or contact us via contact information below.

Data Security

We have administrative, technical and physical security measures in place to keep the personal information you share on our Website safe from things like accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

• Email: PrivacyMatters@pacificlife.com
• Phone: 1-877-722-7848
• Address: Privacy Office at Pacific Life, 700 Newport Center Drive, Newport Beach, CA 92660

For additional resources tailored to your non-privacy needs, we recommend visiting our Contact Us page where you’ll find a variety of contact options that may be applicable to you.