Last Revised: July 1, 2020
This information is provided pursuant to the rights afforded to consumers under the California Consumer Privacy Act of 2018 (the “CCPA”) and pertains to Brighthouse Financial’s collection or processing of personal information in the past 12 months (as personal information is defined by the CCPA).
The following disclosures only apply to a California consumer’s personal information that is subject to the CCPA. The disclosures do not apply to information that is not covered by the CCPA, including, for example, information that we collect from consumers that apply for or maintain Brighthouse Financial products or services.
Personal Information Collected, Use, and Disclosure:
Categories of Personal Information Collected
Brighthouse Financial may collect personal information about you, including:
Personal identifiers, such as your name, address, or email address,
Online identifiers, internet or other electronic network activity, such as your IP address or search or browsing history when interacting with our websites, email communications, or advertisements,
Commercial information, such as your marketing preferences or account information,
Audio, electronic, visual, or similar information, such as contact center call recordings,
Characteristics of protected classifications under California or federal law, such as your age or citizenship status,
Professional, educational, or employment-related information, such as your employment history, educational background, or advisement firm affiliations,
Biometric information, which includes physiological, biological or behavioral characteristics that can be used, singly or in combination with each other or with other identifying data, to establish individual identity,
Inferences drawn from any of the above categories of information, such as inferences reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes,
Geolocation data, and
Other personal information as defined in the California customer records law, such as financial account information.
Sources of Personal Information
We collect this information from our websites, from you directly, and through our service providers’ interactions with you. We may also receive your information from third party data sources, such as unaffiliated companies that supplement our records with additional information or your employer.
Business Purposes for Collection
We may use the categories of personal information described above to operate and maintain our business or otherwise to accomplish our business purposes and objectives. For example, depending on your relationship with us, we may use personal information:
- to maintain and service your account, including processing and fulfilling your transactions, verifying your information, and processing payments,
- to develop and improve our products and services,
- to communicate with you and fulfill your requests,
- for security purposes,
- for debugging to identify and repair errors in functionality,
- to detect and prevent fraud, security incidents, or illegal activity (or to prosecute those responsible for such activities),
- to audit consumer transactions and interactions,
- for advertising, marketing, and analytics purposes,
- to conduct research,
- to comply with legal requirements or exercise/defend legal claims,
- to undertake activities to verify or maintain the quality or safety of our services and products, and
- to perform other necessary and appropriate internal functions.
Disclosure of Personal Information
We may disclose the personal information described above to external or affiliated entities for the business purposes described in these disclosures or when required by law. These entities may include vendors providing services for Brighthouse Financial or assisting us in fulfilling your transactions or administering your accounts. For example, these entities may include:
- Service providers, such as information technology vendors, companies that provide marketing, advertising, and analytics services (e.g. email management databases or website analytics vendors) or operational service providers (e.g. our stockholder transfer agent),
- Auditors or advisors, and
- Regulatory authorities or self-regulatory bodies.
Brighthouse Financial does not knowingly sell the information of minors under the age of 16.
Your California Rights:
Under the CCPA, California consumers are afforded certain rights regarding their personal information, including:
- the right to request disclosure of the categories and specific pieces of your personal information that we collect, use, disclose, or sell (no more than two times within a given twelve-month timeframe);
- the right to request deletion of your personal information that we maintain in certain limited contexts;
- the right to non-discrimination, meaning we will not discriminate against you because you have exercised your rights under the CCPA; and
- the right to request information about the type of data collected from consumers and the categories of third parties to which personal information is sold.
California consumers also have the right to opt out from the sale of personal information to third parties. In the past twelve months, Brighthouse Financial has not “sold” personal information subject to the CCPA.
Making a Request:
- Access and Deletion Requests: To request access to or deletion of your personal information, please complete the electronic form or call our toll-free number at (844) 474-8372, Monday through Friday between 8:00 a.m. and 4:00 p.m., ET. If you would like to submit a request by mail, please follow the directions at the bottom of the electronic form.
- Verification: To protect the security of your information, all access and deletion requests will require verification of your identity. The information you provide on the submission form must match the information we know about you. Additionally, if you request specific pieces of your information or the deletion of certain information, you may be required to provide a signed declaration under penalty of perjury and otherwise authenticate your identity.
- Requests by Authorized Agents: You are permitted to designate an authorized agent to make a CCPA consumer request on your behalf. Your authorized agent can use the methods described above to submit the request and will be required to provide proof of authorization.
Changes to this Disclosure
Brighthouse Financial may change or update these California Privacy Rights and Disclosures by posting the revised version to www.brighthousefinancial.com/privacy-policy with an updated Last Revised date.
For More Information
For questions about Brighthouse Financial’s privacy policies and practices:
- Email: email@example.com
- Phone: (844) 474-8372
- Send mail to the following address:
Brighthouse Financial Privacy
PO Box 49781
Charlotte, NC 28277