Aflac Cookies and Tracking Technology Policy

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Effective Date: March 1, 2019

Welcome! Thank you for visiting an offering of Aflac Incorporated and the Aflac group of insurance companies, including American Family Life Assurance Company of Columbus, its wholly owned subsidiary, American Family Life Assurance Company of New York, and Continental American Insurance Company ("CAIC") and Tier One (the Aflac group of insurance companies are collectively, “Aflac,” “we,” “our” or “us”). Aflac maintains the websites www.aflac.com, www.aflacgroup.com, www.aflacny.com and https://phs.aflac.com/aflac.phs.app/account/login, and our other related mobile websites, services, tools and other applications (collectively, the “Site”). We, along with our advertising partners and vendors, use a variety of technologies to learn more about how people use the Site. You can find out more about these technologies and how to control them in the information below. As applicable, this policy forms part of the Privacy Policy

COOKIES AND OTHER TRACKING TECHNOLOGIES: HOW WE USE THEM
USE OF COOKIES AND TRACKING TECHNOLOGIES BY OUR ADVERTISING PARTNERS
YOUR COOKIE CHOICES AND HOW TO OPT-OUT
COOKIES AND TRACKING TECHNOLOGIES USED ON AFLAC’S SITE
DEFINITIONS
SOCIAL PLUGINS
CONTACT US

COOKIES AND OTHER TRACKING TECHNOLOGIES: HOW WE USE THEM
Like many companies, we use cookies and other tracking technologies on our Site (referred to together from this point forward as “cookies,” unless otherwise stated) including HTTP cookies, HTML5, web beacons/GIFs, embedded scripts and e-tags/cache browsers as defined below.

We may use cookies for a variety of purposes and to enhance your online experience, for example, by remembering your log-in status and viewing preferences from a previous use of our Site, for when you later return to the Site.

We use both session and persistent tracking technologies. Tracking technologies (e.g., cookies) can either be persistent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser).

We also use first and third-party cookies. First party cookies are used and controlled by us to provide services on the Site. Third-party cookies are controlled by third-parties, mostly for the purpose of advertising and analytics.

In particular, our Site uses the following categories of cookies:
- Strictly Necessary Cookies: These are cookies which are needed to provide services and features you have specifically requested. We may use cookies and tracking technologies required to prevent fraudulent activity, improve security, for system administration and/or allow you to make use of shopping cart functionality. We are not required to obtain your consent to cookies that are strictly necessary.
- Analytics and Performance Related Cookies: We may use cookies to assess the performance of our Site, including as part of our analytic practices to improve the content offered through the Site. These cookies may be used to prevent fraudulent activity and improve security.
- Functionality Related Cookies: We may use cookies to tell us, for example, whether you have visited the Site before or if you are a new visitor and to help us identify the features in which you may have the greatest interest.
- Targeting Related Cookies: We and our third-party service providers may use cookies to deliver content, including ads, relevant to your interests on our Site and third-party sites based on how you interact with our advertisements or content. We have set out further information about the use of cookies by our Ad Network partners below. By using our Site you consent to the use of cookies and tracking technologies and the corresponding processing of information. You can withdraw your consent at any time by deleting placed cookies and disabling cookies in your browser. For further information about our use of cookies and tracking technologies and your opt-out choices, see Your Cookie Choices and How to Opt-Out. See here for details of each type of cookie used on Aflac’s Site.
USE OF COOKIES AND TRACKING TECHNOLOGIES BY OUR ADVERTISING PARTNERS
The Ad Network partners below that deliver ads on our Site may use cookies to uniquely distinguish your web browser and keep track of information relating to serving ads on your web browser, such as the type of ads shown and the web pages on which the ads appeared.

Some of these companies may combine information they collect from our Site with other information they have independently collected relating to your web browser's activities across their network of websites. These companies collect and use this information under their own privacy policies.

These companies, their privacy policies and the opt-outs they offer can be found in the table below in Section 4:

You may also opt-out of additional third-party advertising networks by going to the Network Advertising Initiative’s Website at http://optout.networkadvertising.org/?c=1 and follow the directions there.

We are not responsible for the effectiveness of any such opt-out options. California residents may be entitled to know the effects of opt-out options under California Business & Professions Code Section 22575(b)(7). The effect of an opt-out, if successful, will be to stop targeted advertising, but it will still allow the collection of usage data for certain purposes (e.g., research, analytics and internal Site operation purposes).
YOUR COOKIE CHOICES AND HOW TO OPT-OUT
You have the choice whether to accept the use of cookies and we have explained how you can exercise your rights, below.

Most browsers are initially set up to accept HTTP Cookies. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies and how to disable existing cookies. For more information about HTTP cookies and how to disable them, you can consult the information at http://www.networkadvertising.org/choices/ and http://www.allaboutcookies.org/manage-cookies/.

Controlling the HTML5 local storage on your browser depends on which browser you use. For more information regarding your specific browser please consult the browser’s website (often in the Help section).

Please note, however, that without HTTP cookies and HTML5 local storage, you may not be able to take full advantage of all our Site features and some parts of the Site may not function properly.

Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site, or that you will not see our ads on other sites.

COOKIES AND TRACKING TECHNOLOGIES USED ON AFLAC’S SITE

The following table sets out details of the individual cookies we use and the purposes for which we use them:

We provide the chart below as a courtesy but we are not obligated to maintain or update it. We are not responsible for third-party sites and their privacy practices as it relates to opt-outs from tracking activities. The following third-parties that collect information from you on our Site have given us notice that you may obtain information on their policies and practices, and in some instances opt-out of certain of their activities, as follows:

Party	Service	For More Information	Use of Tracking Technologies	Privacy Choices
AddThis	Widgets, Social	https://www.addthis.com/about	Yes	For privacy information, go to: https://www.addthis.com/privacy/privacy-policy. To opt-out, visit: https://www.addthis.com/privacy/opt-out.
Advertising.com (AOL Advertising)	Advertising	https://www.oath.com/advertising/	Yes	For privacy information, go to: https://www.oath.com/advertising/. To opt-out, visit: http://www.aboutads.info/choices/.
CJ (Affiliate)	Advertising	https://www.cj.com/about-us	Yes	For privacy information, go to: https://www.conversantmedia.com/legal/privacy. To opt-out, visit: https://www.conversantmedia.com/optout.
Decibel Insights	Web Analytics & Site Optimization / Customer Experience Improvement	https://www.decibelinsight.com/	Yes	To opt-out, visit: https://www.decibelinsight.com/optout.
DialogueTech	Interactive Voice Response	https://www.dialogtech.com/	No
DoubleClick	Advertising	http://www.google.com/doubleclick/	Yes	For privacy information, go to: http://www.google.com/intl/en/policies/privacy/. To opt-out, visit: https://adssettings.google.com/u/0/authenticated?hl=en.
DoubleClick Bid Manager	Advertising	https://marketingplatform.google.com/about/enterprise/	Yes	For privacy information, go to: http://www.invitemedia.com/privacy_policy.shtml. To opt-out, go to the To Opt-out from our cookies section of the privacy policy page linked above.
DoubleClick Floodlight	Beacons, Tag Manager, Analytics	http://www.google.com/doubleclick/	Yes	For privacy information, go to: http://www.google.com/intl/en/policies/privacy/. To opt-out, visit: https://www.google.com/settings/u/0/ads?hl=en.
Facebook Ads	Advertising, Social	https://www.facebook.com/business/ads	Yes	For privacy information, go to: https://www.facebook.com/business/m/privacy-and-data. Preference Management, visit: https://www.facebook.com/help/1075880512458213/control-the-ads-you-see.
Facebook Connect	Advertising, Social, Widgets	http://developers.facebook.com/docs/guides/web/	Yes	For privacy information, go to: https://www.facebook.com/about/privacy/.
Google Analytics	Google Analytics for Display Advertisers, Ads Preferences Manager, and Google Analytics Opt-out Browser Add-on Cookie name: _ga _gat __utma __utmb __utmc __utmt __utmv __utmz	Information generated to better understand how to improve the Site. Identifies user when they return to specific websites store. Your IP-address anonymized by removing the last octet of the IP address prior to its storage. https://support.google.com/analytics/answer/2700409?hl=en&topic=2611283.	Yes	For privacy information, go to: http://www.google.com/intl/en/policies/privacy/. To opt-out install the plug-in: https://tools.google.com/dlpage/gaoptout.
Google Dynamic Remarketing	Advertising	https://ads.google.com/home/	Yes	For privacy information, go to: http://www.google.com/intl/en/policies/privacy/. To opt-out, visit: https://www.google.com/settings/u/0/ads?hl=en.
LinkedIn	Advertising, Social	https://business.linkedin.com/marketing-solutions	Yes	For privacy information, go to: https://www.linkedin.com/legal/privacy-policy. Opt-out/Preference Management, visit: https://www.linkedin.com/help/linkedin/answer/62931?trk=microsites-frontend_legal_privacy-policy&lang=en.
Magnetic	Beacons, segment data, behavioural tracking	http://www.magnetic.com/	Yes	For privacy information, go to: http://www.magnetic.com/. To opt-out, visit: http://www.magnetic.com or http://www.aboutads.info/.
MediaMath	Advertising	http://www.mediamath.com/about/	Yes	For privacy information, go to: http://www.mediamath.com/privacy-policy/. To opt-out, go to the To Opt Out section of the privacy policy page linked above.
PulsePoint	Advertising	http://www.pulsepoint.com	Yes	For privacy information, go to: http://www.pulsepoint.com/#privacy-policy-pulseaudience. To opt-out, visit: http://optout.networkadvertising.org/?c=1.
Rakuten Advertising	Advertising	https://rakutenadvertising.com	Yes	For privacy information, go to: https://rakutenadvertising.com/legal-notices/services-privacy-policy/. To opt-out, visit: https://rakutenadvertising.com/legal-notices/subject-requests/.
Rubicon	Advertising	https://rubiconproject.com/contactus/	Yes	For privacy information, go to: https://www.rubiconproject.com/privacy-policy/. To opt-out, visit: http://optout.networkadvertising.org/?c=1 or http://www.aboutads.info/choices/.
Run	Advertising	http://www.runads.com/	Yes	For privacy information, go to: http://www.runads.com/privacy-policy. To opt-out, go to section of the privacy policy called Opting Out and Reviewing Your Ad Preferences in the link above, or visit: http://optout.networkadvertising.org/?c=1 or http://www.aboutads.info/choices/.
ScoreCard Research Beacon	Beacons, Analytics	http://www.fullcirclestudies.com/about.aspx	Yes	For privacy information, go to: http://www.fullcirclestudies.com/privacy.aspx. To opt-out, visit: http://scorecardresearch.com/preferences.aspx.
Stack Adapt	Advertising, Analytics	https://www.stackadapt.com/company	Yes	For privacy information, go to: https://www.stackadapt.com/privacy-policy. To opt-out, visit: http://optout.networkadvertising.org/?c=1.
TradeDesk	Advertising	https://www.thetradedesk.com/	Yes	For privacy information, go to: https://www.thetradedesk.com/general/privacy. To opt-out, go to the http://www.adsrvr.org/.
Twitter Button	Widgets, Social	https://about.twitter.com/	Yes	For privacy information, go to: https://twitter.com/en/privacy.
WebTrends	Beacons	http://www.webtrends.com/about-us/	Yes	For privacy information, go to: http://www.webtrends.com/terms-policies/privacy/privacy-statement/.
Visual Website Optimizer	Web Analytics & Site Optimization / Customer Experience Improvement	https://vwo.com	Yes	To opt-out visit: https://vwo.com/opt-out/.

DEFINITIONS

Cookies

A cookie (sometimes referred to as local storage object or LSO) is a data file placed on a device. Cookies can be created through a variety of web-related protocols and technologies, such as HTTP (sometimes referred to as “browser cookies”), and HTML5.

Web Beacons

Small graphic images or other web programming code called web beacons (also known as “1×1 GIFs” or “clear GIFs”) may be included in our Site’s pages and messages. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or email can act as a web beacon.

Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to HTTP cookies, which are stored on a user’s computer hard drive, clear GIFs are embedded invisibly on web pages and are about the size of the period at the end of this sentence.

Embedded Script

An embedded script is programming code that is designed to collect information about your interactions with the Site, such as the links you click on. The code is temporarily downloaded onto your device from our web server or a third-party service provider, is active only while you are connected to the Site, and is deactivated or deleted thereafter.

ETag, or entity tag

A feature of the cache in browsers, an ETag is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. If the resource content at that URL ever changes, a new and different ETag is assigned. Used in this manner ETags are a form of device identifier. ETag tracking may generate unique tracking values even where the consumer blocks HTTP, Flash, and/or HTML5 cookies.
SOCIAL PLUGINS
We also use social plugins on our Site. The social plugins used on the Site are hosted by social media networks such as Facebook, Twitter and Google+. Your browser sends cookie data to a social media network when loading its related social plugin inside your browser. This data contains information on your use of the Site. In case you are registered with the social media network, the data will be associated with your data already stored in the social media network. To find out more about the social media networks and their corresponding social plugins, see the table in Section 4 of this Cookies and Tracking Technologies Policy.
CONTACT US
For any queries in relation to this Cookies and Tracking Technologies Policy you may contact us online, phone us at 1-800-992-3522, or write to us at Aflac Worldwide Headquarters, ATTN: Digital Marketing , 1932 Wynnton Road, Columbus, Georgia 31999.

^* Continental American Insurance Company (Aflac Group), a proud member of the Aflac group of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. Continental American Insurance Company (Aflac Group) is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, coverage is underwritten by Continental American Insurance Company (Aflac Group). For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.

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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)

Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.

Aflac Worldwide Headquarters | Columbus, GA

Aflac Group | Columbia, SC

American Family Life Assurance Company of New York | Albany, NY

Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.

Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)

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