91Ë¿¹ÏÊÓƵ

91Ë¿¹ÏÊÓƵ is a group of companies focusing primarily on life- and health-related reinsurance solutions.  Our core products and services include life reinsurance, living benefits reinsurance, group reinsurance, health reinsurance, financial solutions, facultative underwriting and financial product development.

The headquarters of Reinsurance Group of America, Inc. are located in St. Louis, Missouri, United States of America.

91Ë¿¹ÏÊÓƵ International Reinsurance Company dac located in Dublin, Ireland is our representative in the European Economic Area (¡®EEA¡¯).

Other 91Ë¿¹ÏÊÓƵ group entities operate and provide products and services all over the world. A full list of all 91Ë¿¹ÏÊÓƵ entities is available at .

91Ë¿¹ÏÊÓƵ is the controller responsible for the Personal Information we collect and process within the scope of this Privacy Notice. 

This Privacy Notice is designed to provide compliance with relevant laws in countries where 91Ë¿¹ÏÊÓƵ entities operate. Some 91Ë¿¹ÏÊÓƵ entities have adopted local Privacy Notices available on their websites.

91Ë¿¹ÏÊÓƵ will handle Personal Information in accordance with multiple local privacy laws at the place where the Personal Information is collected and processed.  If an applicable law provides for a lower level of protection of Personal Information than that established by this Privacy Notice, then this Privacy Notice shall prevail. 

Personal Information means information, or a combination of pieces of information, that could reasonably allow an individual to be identified.

We collect your Personal Information when you access our Sites via online tracking technologies such as cookies.

Cookies are text files containing small amounts of information which are downloaded to and stored on your computer or mobile device when you visit our Sites. On each subsequent visit of our Sites, these cookies are sent back to us and make us aware of your visits to our Sites.

Cookies allow us to obtain the following information: location (country, region, city), date and time of your visit, title of the page being viewed, URL of the page being viewed, URL of the page that was viewed prior to the current page, IP address, device serial number, files that were clicked and downloaded, links to an outside domain that were clicked, language of the browser being used, browser version, browser plugins, operating system version, language of the visited page.

91Ë¿¹ÏÊÓƵ does not collect or process any special category or sensitive Personal Information under this Privacy Notice. 

91Ë¿¹ÏÊÓƵ does not sell your Personal Information collected under this Privacy Notice.

91Ë¿¹ÏÊÓƵ does not engage in profiling or automated decision making for the processing activities covered by this Privacy Notice.

We use cookies for the technical functioning of our Sites and collection of information about your browsing experience helping us to provide improved accessibility and content on our Sites. More specifically, we use cookies to:

• Ensure that our Sites and content are accessible to users (facilitated via Strictly Necessary Cookies and Functional Cookies);
• Save user preferences and other user input details (facilitated via Strictly Necessary Cookies and Functional Cookies);
• Analyse and better understand performance of our Sites, our online audience and their interests in our products and services (facilitated via Performance Cookies); and
• Facilitate enhanced functionalities of our Sites, content personalization and targeted advertising (facilitated via Functional Cookies and Targeting Cookies)
  

Our ability to obtain and process your Personal Information via cookies is based on one of the following legal bases:

• Your consent obtained via an opt-in selection through our Privacy Preference Center; and
• Our legitimate interests, including enabling technical functionality of our Sites and recognizing user preferences.

Please find more details about how these legal bases and purposes apply to each type of cookies in the table below:

When you visit our Sites for the first time, you will be directed to our Privacy Preference Center where you will be able to decide whether you would prefer us using certain cookies. Please note that Strictly Necessary Cookies are active by default.

If you click ¡°Agree,¡± you will be able to agree to our use of all ¡°Active¡± cookies, including Functional, Perfomance and Targeting Cookies. If you click ¡°Reject All,¡± you will be able to refuse all of these cookies.

In ¡°Change Settings¡± section, you will be able to review all cookies, find more details about them and set your own preferences. Please note that choosing not to allow cookies on your computer may impact or alter the expected performance and functioning of our Sites.

How do I change my cookie settings?

You can change your cookie preferences at any time by navigating along the menu bar at the bottom on the Site. You may need to delete your browsing history and refresh your page for your settings to take effect.

Depending on the circumstances relevant to the processing of your Personal Information, we may share your Personal Information with the following parties, unless it is not permitted by local applicable laws:

• 91Ë¿¹ÏÊÓƵ group companies. We operate as a global business, so we may share your Personal Information with group companies who may use this information for the purposes described in this Privacy Notice.
• Service providers. We may share your Personal Information with service providers that perform certain services and business operations for us, for example, data storage providers, event planners, online event or display platforms, digital publishing tools.
• Any law enforcement agency, court, regulator, or government authority. We may share your Personal Information with these parties where we believe this is necessary to comply with a legal or regulatory obligation, or otherwise to protect our rights or the rights of any third party.
  

If you require further information on who your personal information is shared with, please contact us at the details contained in the "Contact us" section below.

You have certain rights regarding your Personal Information, subject to local laws and circumstances relating to the processing of your personal information.

Your rights include the right to:

• access your Personal Information and details relating to the processing of your Personal Information;
• rectify the information we hold about you;
• erase your Personal Information;
• restrict our use of your Personal Information;
• object to our use of your Personal Information;
• receive your Personal Information in a usable electronic format and transmit it to a third party (right to data portability); and
• lodge a complaint with your local data protection authority.

Please note that we may require additional information from you in order to confirm your identity and honor your requests.

To exercise your rights, you may use our online contact form, or contact us directly using the contact details provided in section ¡®Contact Us¡¯ below.

We are committed to working with you to obtain a fair resolution of any request, complaint or concern about privacy. If, however, you believe that we have not been able to assist with your request, complaint or concern, you have the right to make a complaint to your local supervisory authority (i.e. the supervisory in the jurisdiction where you live or work) or the supervisory authority of the jurisdiction where you believe an infringement of data protection laws has occurred. Contact details of supervisory authorities are available at the following link: /privacy/web-privacy-policy/web-contacts  

We implement technical and organizational measures to ensure a level of security appropriate to the risk to the Personal Information we process. These measures are aimed at ensuring the on-going integrity and confidentiality of Personal Information. We evaluate these measures on a regular basis to ensure the security of the processing.

We will normally retain your Personal Information for as long as we need it to manage our online analytics campaigns for the purposes described above.  

More specifically, our cookies for the Privacy Preference Center expire after one year. We aggregate data about performance of our Sites, audience interests and campaigns and retain it anonymized.

Because we operate as a global business, your Personal Information may be transferred to, stored, and processed by 91Ë¿¹ÏÊÓƵ entities in other countries, which may include countries that are not regarded as ensuring an adequate level of protection for Personal Information under the European Union law or your local law. Therefore, 91Ë¿¹ÏÊÓƵ has adopted Binding Corporate Rules (¡®BCRs¡¯) to enable us to make international transfers of your personal information within our group of companies in compliance with data protection laws of the European Union and other relevant countries. Our BCRs are available at /our-company/responsibility/policies-and-governance-center/policy-and-rights

In other jurisdictions, where BCRs are not applicable, we perform cross-border transfers of Personal Information to 91Ë¿¹ÏÊÓƵ entities overseas under other transfer mechanisms permissible by applicable local laws.

If we need to transfer your personal information to service providers located outside the EEA or other relevant countries, we will make sure that adequate safeguards are in place with those parties under applicable local laws. We typically put in place contractual commitments in accordance with applicable legal requirements to ensure that your Personal Information is adequately protected. For more information on the appropriate safeguards in place, please contact us at the details contained in the "Contact us" section below.

If you have questions or concerns regarding the way in which your Personal Information has been used, please e-mail us at privacy@rgare.com or call or write to us.

For all other 91Ë¿¹ÏÊÓƵ entities postal addresses, please see  

If you would like to exercise a data subject right, you may use our online contact form.

91Ë¿¹ÏÊÓƵ¡¯s Data Protection Officer for the EMEA region is Dean Scotson.  

Should you have any questions or concerns for our DPO regarding the way in which your Personal Information has been used, please contact him via email at dpo@rgare.com 

You may request a copy of this Privacy Notice from us using the contact details set out above. We may modify or update this Privacy Notice from time to time. If we make a significant change to this Privacy Notice, we will post a notice about this on our website, and we may provide the notice directly to you.