California Notice at Collection
Last Updated:
Who We Are
References to the "Northwestern Mutual Family of Companies," "Northwestern Mutual," "NM," "we," "us," "our," or "ours" within this Notice mean The Northwestern Mutual Life Insurance Company, Northwestern Long Term Care Company, Northwestern Mutual Investment Services Company, Northwestern Wealth Management Company, Northwestern Mutual Investment Management Company, and the network offices of our sales force. Our sales force includes the agents who sell our products and services, along with their staff.
Defined Terms
For purposes of this Notice, the terms "Personal Information," "Notice at Collection," "consumer," "share," and "sell" have the same meaning as provided in the California Consumer Privacy Act of 2018 and the California Privacy Rights Act of 2020 (collectively, "CPRA").
California Privacy Policies
California residents can find additional details about our privacy practices within the following privacy policies:
- California Consumer Privacy Policy
- California Workforce Privacy Policy
- California Sales Force Privacy Policy
The charts in the Information Collected section describe each category of Personal Information we may collect, along with examples of types of information falling into each of those categories when we collect Personal Information from you, including when you visit our NorthwesternMutual.com website or other websites owned by the Northwestern Mutual Family of Companies. Please note that the charts will not include entries when our websites offer functionality that doesn't result in us collecting any Personal Information. Also, for additional information about all categories of Personal Information collected by Northwestern Mutual and our Northwestern Mutual Family of Companies, please read our Privacy Notices.
Personal Information Sold or Shared:
We do not sell Personal Information for money. We do, though, disclose Personal Information in connection with our online advertising in ways that may be considered a "sale" or "share" as defined by the California Consumer Privacy Act. You have the right to opt out of this type of sharing by clicking on the "Do Not Sell or Share My Personal Information" link within the footer or by clicking "Opt-Out" on the banner on our website and deselecting "Marketing Cookies," or by using an industry-accepted opt-out preference signal. We do not knowingly "sell" or "share" Personal Information of minors.
Personal information categories and examples Category of Personal Information Sold or Shared Examples Category of Service Providers and/or Third Parties to whom information is sold or shared Business Purpose Internet or Other Electronic Network Activity Information Browsing history, IP address, online identifiers, company device identifiers, cookies, web beacons, pixel tags, and clickstream or other traffic data, use of IT resources, interaction with our websites, mobile app, and advertisements - Marketing, or media companies and social media platforms
- Research or analytics companies
- Cross-context behavioral advertising and auditing
Information Collected From You on All Pages Within NorthwesternMutual.com and Other Websites Owned by the Northwestern Mutual Family of Companies:
Category of Personal Information Examples Internet or Other Electronic Network Activity Information Browsing history, IP address, online identifiers, company device identifiers, cookies, web beacons, pixel tags, and clickstream or other traffic data, use of IT resources, interaction with our websites, mobile app, and advertisements Information Collected From You When You Fill Out Find a Financial Advisor Forms:
Category of Personal Information Examples Identifiers Name, email, phone number, zip code Demographics Age Professional or Employment Information Income or household income Internet or Others Electronic Network Activity Information Browsing history, IP address, online identifiers, company device identifiers, cookies, web beacons, pixel tags, and clickstream or other traffic data, use of IT resources, interaction with our websites, mobile app, and advertisements Profile Information Profiles reflecting a person's preferences, such as biggest or most important financial goal Information Collected From You When You Use the Retirement Calculator located on NorthwesternMutual.com:
Category of Personal Information Examples Identifiers Name, email, phone number, zip code Demographics Age, gender Professional or Employment Information Income or household income Financial Information Annual retirement contributions, total retirement savings Internet or Other Electronic Network Activity Information Browsing history, IP address, online identifiers, company device identifiers, cookies, web beacons, pixel tags, and clickstream or other traffic data, use of IT resources, interaction with our websites, mobile app, and advertisements Profile Information Desired retirement age, intended retirement spending habits Information Collected From You When You Use the Life Insurance Calculator located on NorthwesternMutual.com:
Category of Personal Information Examples Identifiers Name, email, phone number, zip code Demographics Age, age of partner, number of children, age of youngest child, gender Professional or Employment Information Income, income of partner Financial Information Monthly expenses, mortgage amount, other debt, total assets Internet or Other Electronic Network Activity Information Browsing history, IP address, online identifiers, company device identifiers, cookies, web beacons, pixel tags, and clickstream or other traffic data, use of IT resources, interaction with our websites, mobile app, and advertisements Information Collected From You When You Contact Us on Innovation.NorthwesternMutual.com:
Category of Personal Information Examples Identifiers Name, email Internet or Other Electronic Network Activity Information Browsing history, IP address, online identifiers, company device identifiers, cookies, web beacons, pixel tags, and clickstream or other traffic data, use of IT resources, interaction with our websites, mobile app, and advertisements Profile Information Profile information about you that may be included with any attachments you submit Information Collected From You When You Attend a Recruiting Event, Job Fair or Visit Jobs.NorthwesternMutual.com:
Category of Personal Information Examples Identifiers Name, alias, date of birth, home address, driver's license number or state identification card, passport number, Social Security number, email address, contact information, physical or electronic signature Professional or Employment Information Salary, employment history, professional designations, veteran or military status, disciplinary action, performance reviews, and other information collected from job applications or resumes Education Information School(s) attended, dates attended, degree(s) earned, academic achievements, transcripts and other information collected from job applications or resumes Internet or Other Electronic Network Activity Browsing history, IP address, online identifiers, company device identifiers, cookies, web beacons, pixel tags, and clickstream or other traffic data, use of IT resources, interaction with our websites, mobile app, and advertisements Profile Information Profiles reflecting a person's preferences, such as interests, hobbies, characteristic tendencies, behaviors, attitude, or aptitude, goals, and inferences drawn from Personal Information including browsing information and clickstream or other website traffic data Information collected as authorized by you to facilitate tax preparation services:
Category of Personal Information Examples Identifiers Name, alias, date of birth, home address, driver's license number or state identification card, passport number, Social Security number, email address, contact information, physical or electronic signature Demographics Age, marital status, military/veteran status, disability status, family member information, identity, sex/gender, sexual orientation, personal pronouns, birth country, citizenship, race, color, religion, ethnicity Professional or Employment Information Salary, employment history, professional designations, veteran or military status Financial Information Bank accounts, investment or brokerage accounts, information regarding estate or tax planning (including tax return or tax-document information), debts, income, trusts, business financial statements, state tax notices, IRS correspondence Commercial Information Policy/account values, records of personal property Information Collected From You When You Contact Us to Make a Privacy Request:
Category of Personal Information Examples Identifiers Name, email, address, phone number, date of birth, last 4 digits of Social Security number Information Collected From You When You Contact Us to Make a Privacy Request as an Authorized Agent:
Category of Personal Information Examples Identifiers Name, email, address, phone number, date of birth, last 4 digits of Social Security number We may use Personal Information we collect, depending on our relationship or interaction with you, for one or more of the following purposes:
- Marketing and advertising of our company and its products and services: offering NM products and services, personalizing an individual's NM website or mobile app experience delivering content or product and service offerings relevant to an individual's interests, including promotional offers. We do not use Sensitive Personal Information for this purpose except where aggregated or deidentified.
- Cross-context behavioral advertising and auditing: auditing related to an interaction with a consumer and a concurrent transaction, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with standards that may apply. We do not use Sensitive Personal Information for this purpose except where aggregated or deidentified.
- Research & strategic development: information collected for business, product, strategy, and technological development, excluding marketing and advertising activities. We do not use Sensitive Personal Information for this purpose except where aggregated or deidentified.
- Legal/Compliance/Regulatory purposes: information collected to meet internal and regulatory compliance requirements, respond to regulatory exams, conduct internal and external audits, respond to subpoenas and other law enforcement requests, record keeping, and enforce or defend our rights and property. Sensitive Personal Information may be used for these purposes as required or permitted by law.
- Detecting and protecting: detecting and protecting against security incidents and malicious, deceptive, fraudulent, or illegal activity. Sensitive Personal Information may be used for these purposes as required or permitted by law.
- Debugging: activities to identify and repair errors in technological functionality. Sensitive Personal Information may be used for these purposes as required or permitted by law.
- Backups and archives: data that is kept to ensure business continuity, for historical reference, and to meet record-keeping obligations. Sensitive Personal Information may be used for these purposes as required or permitted by law.
- Analytic activities: analysis of data to improve NM marketing, advertising, websites, mobile app, products, and services, to complete behavioral research, to do other scientific research, reporting, or evaluation. Further, to enable us to continually improve on the content we offer you, as well as for purposes of personalization, analyzing user behavior, enhancing navigation, systems administration, site security, and fraud detection and prevention we capture IP addresses and track your activity on our websites. We do not use Sensitive Personal Information for this purpose except where aggregated or deidentified.
- Performing services on behalf of NM: issuing and servicing of NM products and services, including but not limited to: customer service, verifying consumer information, responding to consumer requests, illustrations, applications, underwriting, issuance, transactions, claims processing, and account maintenance related to NM's insurance products, investment products and services, and financial planning. Providing services relating to your financial security when you request services through us. Sensitive Personal Information may be used for these purposes as required or permitted by law.
- Providing Products and Services at your request and with your consent: When you join Northwestern Mutual, we seek to provide you with the solutions you need for your overall financial security. We may offer or suggest products and services such as tax preparation, tax advice, student loan management, personal loans, other banking services, and other services we believe may benefit you. We may also offer or suggest products and services to your employer. These products and services may be supported by other companies and may require disclosure of your information to those companies. Also, we may seek permission to receive information back from these companies. When we do, we will use the information received for the purposes described within this privacy notice.
- Short-term, transient use: data collected, but not retained, other than to facilitate a one-time transaction or non-personalized advertising shown as part of a consumer's current interaction with the business when information is not disclosed to another third party or used to build a profile or to alter consumer experience outside of with the current interaction with the business. Sensitive Personal Information may be used for these purposes as required or permitted by law
For more detailed information about "Purposes of Collection and Disclosure of Personal Information" see our California Consumer Privacy Policy.
We have policies and practices requiring the secure deletion of Personal Information when there is no applicable regulatory retention requirement and we no longer have a business need to use the information for a purpose that is compatible with our disclosed purposes of collection. Personal Information that has been aggregated or deidentified so that it cannot reasonably be used to infer information about you or otherwise be linked to you may be retained indefinitely.
We may change this Notice from time to time. When we make changes to this Notice, we will post the updated Notice on the Privacy pages of our website and mobile app with a new "Last Updated" date. Any changes will become effective when we post the updated Notice. Your use of the website or mobile app following these changes means that you accept the updated Notice.
We strive to provide an accessible digital experience to all consumers and are committed to providing all consumers with the same level of access to this Policy, including those with disabilities. Therefore, this Policy is compatible with standard screen readers.
If you have any questions or comments about this Notice, the ways in which we collect and use your Personal Information, your rights regarding such use, or if you wish to exercise your California privacy rights, please do not hesitate to contact us by:
- Completing the California Consumer Right to Access, Correct, or Delete Form
- Calling toll-free at (866) 950-4644, when prompted say "California Consumer Privacy Act," "CCPA," "California Privacy Rights Act," or "CPRA"
- Emailing us at: customerservice8200@northwesternmutual.com