Privacy Policy

Online Privacy Notice

Last Updated: September 1, 2026

Oceanview Life and Annuity Company, doing business as Oceanview Life and Annuity Insurance Company in California (“Oceanview,” “Company,” “we,” “us,” or “our”) provides this Privacy Notice to explain how we collect, use, disclose, and otherwise process personal information in connection with our websites, including oceanviewlife.com; online resources; email communications; marketing activities; annuity products; customer service; producer and professional relationships; and related business operations (collectively our “Services”).

Certain products, services, portals, forms, or relationships may be subject to additional privacy notices, terms, or disclosures. If another notice applies to a specific product, service, portal, or relationship, that notice should be read together with this Privacy Notice.

We may update this Privacy Notice from time to time. The “Last Updated” date above shows when this notice was last revised. Any changes will become effective when posted, or we may provide notice as required under applicable law.

Personal Information We Collect

Depending on your relationship with us, we may collect the following categories of personal information directly from you, automatically when you use our Services, and from our service providers or third parties:

  • Identifiers, personal records, and contact information, such as name, mailing address, email address, telephone number, IP address, online identifiers, account identifiers, government identification numbers, Social Security number, driver’s license number, passport number, tax identification number, signature, and similar identifiers.
  • Annuity, insurance, and other financial information, such as application information, contract number, policy or certificate number, premium information, payment details, bank account information, tax information, beneficiary information, suitability information, financial objectives, transaction history, account values, distribution or withdrawal information, claims or death-benefit information, and servicing records.
  • Protected classification and demographic information, such as age, date of birth, marital status, citizenship, residency, and gender.
  • Commercial and transaction information, such as products or services requested, considered, or purchased; communications with us; service history; preferences; and records of interactions with Oceanview, our representatives, and our service providers.
  • Internet, device, or other electronic network activity information, such as IP address; device identifiers; cookie identifiers; browser type; operating system; referring URL; pages viewed, links clicked, time spent on pages, search terms, and other website interactions; email interactions; and other information collected through cookies, pixels, tags, web beacons, server logs, or similar technologies.
  • Audio, electronic, visual, or similar information, such as call recordings, voicemail, electronic communications, and security-camera footage at our offices or facilities.
  • Geolocation data, such as approximate location derived from IP address.
  • Professional and employment-related information, such as employer, title, role, business contact details, insurance license information, producer appointment information, business affiliations, disciplinary or compliance information, and information about agents, producers, financial professionals, vendors, and business contacts.
  • Inferences and preferences, such as product interests; communication preferences; website preferences; or other information inferred from your interactions with us, our website, our advertisements, and our communications.

Our Services may link to client portals, agent portals, career pages, social media platforms, as well as other websites, applications, or online services operated by Oceanview, our affiliates, service providers, or third parties. These portals and linked services may collect personal information directly from you and may be subject to separate privacy notices, terms of use, security procedures, or cookie practices.

How We Use Personal Information

We may use personal information for the following purposes:

  • Offer our Services, such as to provide, issue, administer, service, maintain, manage, operate, secure, personalize, measure, and improve our websites, portals, communications, systems, and other Services.
  • Communicate with you, such as to respond to inquiries, provide customer service, send service-related notices, and manage your preferences.
  • Perform analysis, such as to conduct analytics, research, reporting, quality assurance, training, auditing, and business planning.
  • Marketing and advertising, such as to market Oceanview products, services, resources, events, or educational content; measure advertising effectiveness and understand interactions with advertisements or digital content; and support advertising or retargeting activities.
  • Security and integrity, such as to detect, prevent, investigate, or respond to fraud, security incidents, unauthorized activity, illegal activity, complaints, disputes, or misuse of our Services; perform audits and other assessments; and investigate claims and activities.
  • Legal and compliance, such as to comply with insurance, financial, tax, cybersecurity, consumer protection, anti-fraud, sanctions, anti-money laundering, recordkeeping, reporting, licensing, and other legal or regulatory obligations; cooperate with regulators, law enforcement, courts, auditors, reinsurers, rating agencies, and other authorized parties; and protect the rights, property, safety, and security of Oceanview, our affiliates, customers, producers, business partners, personnel, systems, and others; file, respond to, and otherwise process legal claims.
  • Corporate transactions, such as in connection with corporate transactions, reorganizations, financing, reinsurance, acquisitions, divestitures, business transfers, and similar business activities.

Links

Our Services may include links to other websites that are owned and/or operated by third parties. When you leave our website or Services and access a third-party website or platform, this Privacy Notice may not apply. We encourage you to review the privacy notices and terms that apply to any portal, third-party website, or linked service before providing personal information. We are not responsible for the content or privacy practices of any linked websites that we do not control.

Our Services also may provide links to other websites operated by us or our subsidiaries, brands, or affiliates. Unless indicated otherwise, these websites are not governed by this Privacy Notice; we encourage you to review the privacy policies posted on these linked websites.

Cookies and Similar Technologies

We and our vendors use cookies, pixels, tags, web beacons, scripts, local storage, server logs, and similar technologies (collectively, “Cookies”) to operate our Services, remember your preferences, understand how visitors interact with our Services, improve our content, maintain security, measure marketing effectiveness, and support advertising activities.These Cookies may collect usage information (such as the browser you are using, IP address and device identifier, length and time of visit, and pages visited); general geolocation data (to deliver content based on your location); and details about how you interact with the Services (including clicks, cursor movement, scrolls, and keystroke activity).

We may engage certain web analytics services (including Google and Meta) to help us understand and analyze how visitors use the Services, help us administer and improve the quality of the Services, and serve ads on our behalf across the Internet. We’ve implemented Google Analytics Advertising Features such as remarketing with analytics, interest-based advertising, demographics and interests reporting, user segment analysis, and impression reporting.

We may contract with service providers to help us analyze activity on our Services through session replay technologies to help us understand and analyze how visitors use our Services, and to improve the Services. These technologies may collect information, such as IP address; screen size; device type (unique device identifiers); browser information; geographic location; and preferred language.

We or our vendors may collect personal information about your online activities over time and across different devices and online properties when you use the Services.

You can manage certain Cookie choices by selecting Cookie Preferences in the footer of the website or Manage Settings in our Cookie banner. Some Cookies are required for the website to function and cannot be disabled. You may also control Cookies through your browser settings. If you block or delete cookies, some website features may not function properly. In addition, the following services or organizations offer tools that you can use to limit or opt out of interest-based advertising:

  • Industry organizations. To opt out of interest-based advertising from companies that participate in the Digital Advertising Alliance or Network Advertising Initiative opt-out programs, please visit com/controland thenai.org/how-to-opt-out.

Your opt-out choice may apply only to the browser or device you are using when you opt out, so you should update your settings on each of your browsers and devices. If you opt out, you will still receive ads, but they may not be as relevant to you and your interests.

We do not control how third parties manage their opt-out processes. We are not responsible for the effectiveness of external parties’ opt-out options or programs, or the accuracy of their statements regarding their programs.

Your web browser may have settings that allow you to transmit a “Do Not Track” signal when you visit various websites or use online services. Like many websites, the Services are not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, visit allaboutdnt.com.

How We Disclose Personal Information

We may disclose personal information for the purposes described above to the following categories of recipients:

  • Oceanview and Bayview affiliated entities for our business purposes.
  • Insurance-services organizations that help us provide the Services, such as insurance agents, producers, financial professionals, broker-dealers, independent marketing organizations, field marketing organizations, and other distribution partners involved in your relationship with us.
  • Service providers and other vendors that assist us in operating the Services and our business, such as administrators, customer service providers, call centers, mailing vendors, print vendors, payment processors, banks, custodians, reinsurers, claims administrators, technology providers, cybersecurity providers, cloud and hosting providers, data analytics providers, fraud-prevention providers, and identity-verification providers.
  • Advertising partners for ad targeting, remarketing, personalized advertising, and analytics, such as social media and digital technology providers.
  • Law enforcement, government or regulatory bodies, or other authorized parties, such as regulators, insurance departments, law enforcement, courts, government agencies, tax authorities, auditors, rating agencies, and reinsurers.
  • Professional advisors, such as attorneys, accountants, consultants, and auditors.
  • Parties at your direction, such as persons or entities you authorize or direct us to disclose information to, including authorized representatives, beneficiaries, and financial professionals.
  • Corporate transaction counterparties and other parties in connection with reinsurance, financing, corporate transactions, business transfers, mergers, acquisitions, reorganizations, or similar transactions.
  • Other parties as permitted or required by law.

Email Choices

You may unsubscribe from marketing emails by using the unsubscribe link in the email.

Even if you opt out of marketing communications, we may still send you service-related, transactional, legal, regulatory, or administrative communications.

Security of Personal Information

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, acquisition, use, disclosure, alteration, or destruction.  However, no website, system, or transmission of information is completely secure, so we cannot guarantee the security of your personal information collected through our Services.

Additional Notice for California Residents

This Additional Notice for California Residents section applies to California residents. The disclosures that describe how and why we process personal information in this section also describe how we have processed personal information in the past 12 months.

We collect, use, and disclose personal information as described in the “Personal Information We Collect,” “How We Use Personal Information,” and “How We Disclose Personal Information” sections above. We process the following types of personal information that are considered sensitive under California law: Social Security, driver’s license, and passport number; citizenship status; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account.

Sale or Sharing of Personal Information

We do not sell personal information for money. However, we may disclose identifiers; geolocation data; internet, device, or other electronic network activity information; and other information collected via Cookies to advertising, analytics, social media, and other digital technology partners for cross-context behavioral advertising, which may be considered a “sale” or “sharing” under California law.

You may opt out of the sale or sharing of personal information by selecting Cookie Preferences in the footer of the website or Manage Settings in our Cookie banner, or by enabling a legally recognized opt-out preference signal. Our website and applications are not designed to respond to “Do Not Track” requests from browsers.

Please note that we do not collect, use, sell, or disclose personal information of individuals we know to be under the age of 18.

Retention

We retain each category of personal information for as long as reasonably necessary for the purposes described in this Privacy Notice, including to provide our Services, administer business relationships, and for our legal, regulatory, insurance, tax, accounting, cybersecurity, fraud prevention, dispute resolution, and business purposes. We will retain your personal information for as long as necessary to fulfill the purposes we collected it for, as required to satisfy any legal obligations, or as necessary to resolve disputes. To determine the appropriate retention period for personal information, we consider applicable legal requirements; the amount, nature, and sensitivity of the personal information; the potential risk of harm from unauthorized use or disclosure of your personal information; and the purposes for which we process your personal information and whether we can achieve those purposes through other means.

California Privacy Rights

Subject to applicable limitations and exemptions, California residents may have the right to:

  1. Know and access the personal information we process about you, including the categories of sources from which the personal information was collected; our purposes for collecting, selling, sharing, or disclosing personal information; the categories of recipients to which we disclose personal information; the categories of personal information that we sold or shared, and for each category identified, the categories of third parties to which we sold or shared that particular category of personal information; and the categories of personal information that we disclosed for a business purpose, and for each category identified, the categories of recipients to which we disclosed that particular category of personal information.
  2. Request deletion of your personal information.
  3. Request correction of inaccurate personal information we maintain about you.
  4. Opt out of the sale or sharing of your personal information.

We do not process sensitive personal information for purposes to which the right to limit certain uses or disclosures applies. We do not process personal information for automated decision-making in furtherance of decisions that produce legal or similarly significant effects or otherwise for which rights to access or opt out apply.

We will not discriminate or retaliate against you for exercising privacy rights.

Submitting Requests

To submit a request to know, delete, or correct, please email [email protected]. To opt out of sales and sharing, select Cookie Preferences in the footer of the website or Manage Settings in our Cookie banner, or enable a legally recognized opt-out preference signal.

Please include the statement “Attention: California Privacy Rights Request” in the body of your written request, as well as your name, email address, phone number, address, and Community account number. If necessary, we may request additional information to verify your identity before responding.

You may designate an authorized agent to make a request on your behalf. Authorized agents may be required to provide proof of authorization, and we may also require the consumer to verify their identity directly with us.

Contact Us

If you have questions about this Online Privacy Notice or would like to exercise a privacy right, you may contact us at [email protected].