Phoenix Group respects your privacy

Phoenix Group and its subsidiaries respect your privacy and are committed to protecting it. Phoenix Group provides this Privacy Statement to inform you of our Privacy Policy and practices and of the choices you can make about the way your information is collected online and how that information is used. We've structured our websites so that, in general, you can visit Phoenix Group on the Web without identifying yourself or revealing any personal information. We make this notice readily available on our home page and at the bottom of every Phoenix Group Web page.

1. Sites covered by this privacy statement
2. Types of information we collect
3. How we use your information
4. Who we share your information with
5. Changes to this Statement

1. Sites covered by this Privacy Statement

This Privacy Statement applies to all Phoenix Group owned websites and domains, and our wholly owned subsidiaries ("Phoenix Group websites.")

Links to non-Phoenix Group websites

The Phoenix Group websites may provide links to third-party websites for your convenience and information. If you access those links, you will leave the Phoenix Group website. Phoenix Group does not control those sites or their privacy practices, which may differ from Phoenix Group's. We do not endorse or make any representations about third-party websites. The personal data you choose to give to unrelated third parties is not covered by the Phoenix Group Privacy Statement. We encourage you to review the privacy policy of any company before submitting your personal information. Some third-party companies may choose to share their personal data with Phoenix Group; that sharing is governed by that third-party company's privacy policy.

2. Types of information we collect

This Privacy Statement covers personal information, non-personal data collection and aggregate reporting.

Personal information is information that is associated with your name or personal identity. Phoenix Group uses personal information to understand better your needs and interests and to provide you with better service. Once you choose to provide us with personal information, you can be assured it will be used only to support your customer relationship with Phoenix Group. We take seriously the trust you place in us. Phoenix Group will not sell, rent or lease your personal information to others.

On some Phoenix Group websites, you can order products or services, request information, or apply for a job at Phoenix Group. The types of personal information you provide to us on these pages may include name, address, phone number, e-mail address, user IDs and passwords, contact preferences, educational and employment background, and job interest data.

To personalize our websites, services or communications and improve our products and services, we may also ask you to provide us with information regarding your personal or professional interests, demographics, and experiences with our products or services. Providing this additional information is optional.

Non-personal information is data about usage and service operation that is not associated with a specific personal identity. Phoenix Group collects and analyzes non-personal information to evaluate how visitors use the Phoenix Group websites.

Non-personal data we collect may include the pages visited on the Phoenix Group websites, unique URLs (1) visited within Phoenix Group.com, browser type and IP (2) address. Most non-personal data is collected via cookies or other analysis technologies.

3. How we use your information

Phoenix Group may use your personal information to provide you with services and to help us better understand your needs and interests. Specifically, we may use your information to help you to communicate with you, to provide service and support, to update you on services and benefits, to personalize promotional offers and to personalize some Phoenix Group websites.

Personal data collected online may also be combined with information you provide Phoenix Group through other sources such as product registration, or public events such as trade shows or seminars.

Personal data given to Phoenix Group may be transferred across state and country borders for the purposes of data consolidation, storage and simplified customer information management.

Non-personal data is aggregated for reporting about Phoenix Group website usability, performance and effectiveness. It is used to improve the customer experience, usability and site content.

4. Who we share your information with

Phoenix Group will not sell, rent or lease your personal information to others. Phoenix Group will not share your personal information with third parties except in responding to your requests for products or services. Phoenix Group may share customer information across Phoenix Group-owned business entities and companies working on our behalf, but only as described above in "How we use your information."

Phoenix Group or its related entities could merge with or be acquired by another business entity or some or all of their respective assets could be acquired. If such a combination or acquisition occurs, Phoenix Group will make every reasonable effort to notify you in the event we share with the merging or acquiring entity some or all of your personal information to continue serving you.

5. Changes to this Statement

If there are updates to the terms of Phoenix Group's Online Privacy Statement, we will post those changes and update the revision date in this document, so you will always know what information we collect online, how we use it, and what choices you have. For material changes to this Statement, Phoenix Group will provide notification to affected customers.

(1) A URL (Uniform Resource Locator) is the global address of documents and other resources on the World Wide Web. For example, http://www.phoenixgrouppanama.com is the URL for Phoenix Group's home page.

(2) An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol (TCP/IP) network, such as the World Wide Web. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop.