Privacy Policy

Thank you for choosing to do business with Integrity Life Insurance Company, National Integrity Life Insurance Company, Western-Southern Life Assurance Company  and W&S Financial Group Distributors, Inc., all member companies of the Western & Southern Financial Group (Western & Southern). Western & Southern places a high value on the trust and confidence our customers place in us. Today’s technology allows information to be shared at light speed, and we share your concerns about privacy. You have our pledge that we will treat the personal information you share with us with respect and confidentiality. Please take a moment to review our Privacy Policy and see how it protects you. By visiting WSFinancialPartners.com, you are accepting the practices described in this Privacy Policy.

NOTE: If you have questions about WSFinancialPartners.com Privacy Statement, please send us an email.

• We collect only the information we need to serve you and conduct our business with you.
• We are committed to keeping your information confidential, and we place strict limits and controls on the use and sharing of your information.
• We make every effort to ensure the accuracy of information.
• We train all our employees about the importance of protecting customer information in regard to customer respect, privacy, confidentiality and security.
• All of our Licensed Insurance Agents and affiliates must adhere to our Confidentiality Agreement.
• We practice and enforce procedural, physical and electronic safeguards to protect customer information.
• Third parties who need access to customer information must have a privacy policy consistent with our own. They may use the information only to provide the services we request of them, and may not use the information for any other purpose.
• We never sell customer information.

• Through "cookies" we capture your IP address (the number assigned to your computer when you use the Internet), your domain name, browser and platform types, time you accessed our site and your activity while on our site. Please read our “Cookies Policy” for more details. WSFinancialPartners.com does not use Web Beacons to monitor your activity on our site.
• We gather information you provide to us on applications or forms, whether on this Web site, by mail or phone or in conversation with a Western & Southern agent. We collect this information to service your accounts, and to provide information to you about our products and services. This includes your name, address, email address, telephone number, birth date, gender, Social Security number, assets, income, joint owners and beneficiaries.
• Information we receive from consumer reporting agencies.
• We sometimes collect medical information. We may use this medical information for a product or service you’re interested in, to pay a claim or to provide a service. We may share this information for these purposes if required or permitted by law. We do not use it for marketing purposes unless you give us permission.

• We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or as described in this Privacy Policy.
• We limit our collection and use of personal information to provide you with services or administration of financial products by Western & Southern to third parties we retain for this purpose; to tell you about products and services; or to evaluate your financial needs. This may include advising you about products or services and other opportunities we believe you would find of interest. To do this, it may be necessary to share your information with our licensed insurance agents or our affiliates. When we share information with a licensed insurance agent or our affiliates, we require adherence to a confidentiality agreement and/or our Privacy Policy.
• We may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. We may also provide the information we collect to a third party with whom we have a business relationship in connection with the services we provide to you. Any company with which we team must conform to our privacy standards.
• We require that these companies, including our own subsidiaries and affiliates, strictly maintain the confidentiality of this information and abide by all applicable laws. Companies within our corporate family that may receive this information are financial service providers and insurance companies. Neither we nor those to whom we provide customer information sell our customer information.
• Access to your nonpublic personal information is restricted to authorized employees who need the information to administer your business.
• We may disclose your personal information to perform necessary credit checks, to collect or report debts owed to us and to protect our rights or property.

Western & Southern employs safeguards to keep your information private and secure while you are online. Specific Internet practices include:

• We use Secure Sockets Layer (SSL) technology to encrypt transmitted data.
• We maintain firewall barriers and authentication procedures to prevent unauthorized access.
• Use of Cookies.

Like most Web sites, WSFinancialPartners.com uses "cookies" to record information while you are on our website. A "cookie" is a small text file that is stored on your hard drive whenever you visit us. Cookies help us personalize your WSFinancialPartners.com session, making your movements through our site faster and easier. Our Web server sends cookies securely, so your privacy and security are never compromised when you accept a cookie from our Web site. Cookies cannot get data from your hard drive, read your email or access other sensitive information. We never use cookies to collect information for distribution to third parties. Our cookies are active only while you are on our Web site and we do not use them to track other Web sites you visit.

You can set your browser to accept all cookies, block all cookies or send a message when a cookie is being sent. Please be aware that if you reject or disable cookies on your Web browser, parts of our Web site may not be available to you.

To set cookie preferences when using Internet Explorer

• On the Menu bar, select Tools-Internet Options.
• Select the Privacy tab.
• Drag the slider to the security level you want. The text will indicate what types of cookies you have blocked.

To set cookie preferences when using Firefox:

• Select Tools-Options-Privacy.
• Select “Cookies".
• Use the check boxes and drop-down menus to set your general preferences.
• Click the “Exceptions” button to block or permit cookies from selected sites.
• Click "OK".
• If you are using another browser, the Help function can help you learn how to set cookie preferences.
• We continually review our policies and practices to stay in accord with industry standards for privacy.
• We continually test the strength of our security in order to maintain a secure Web site.
• We continually monitor our computer networks.

WSFinancialPartners.com believes in providing safe and secure online access. We follow standard Internet security guidelines so you can view your account information safely. At WSFinancialPartners.com, we never transmit private information to you by email.

Our site is designed to deliver your account information on Foxfire or Internet Explorer Web browsers, version 4.0 or higher. We store all information you provide on secure servers and encrypt your account information with SSL technology. SSL protects your information from being intercepted and used by someone else. Logging into the account area of our site requires a personal account number and a password that you select. Only you have access to these password-protected areas. We recommend that you change your password periodically and always keep it in a safe place.

You'll know you're in a secure area of our site when you see a closed-lock or unbroken-key icon in the corner of your browser window. We maintain the secure connection until you finish viewing your account information. When you finish accessing your WSFinancialPartners.com account, be sure to log off and close your browser window to prevent someone else from accessing your account and viewing your personal information. This is especially important if you are using a computer that others can access – like one in a computer lab, shared office space or library.

WSFinancialPartners.com will never ask you for your password in an unsolicited phone call or email.

At Western & Southern we recognize the importance of protecting children’s privacy. It is our policy never knowingly to collect personal information from children under the age of 18. Children who do wish to transmit information to a Western & Southern Financial Group company should have written permission from a parent or legal guardian.

When you fill out forms on this Web site you are by default allowing us to send marketing material to you.

Federal law gives you the right to limit some but not all marketing from the Western & Southern Financial Group companies. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from the Western & Southern Financial Group companies. You may limit the Western & Southern Financial Group member companies, such as its insurance and securities affiliates, from marketing their products or services to you based on your personal information that they receive from other Western & Southern Financial Group companies. This information may include your assets and income, property address and value, account and policy information and consumer report information.

Your choice to limit marketing offers from the Western & Southern Financial Group companies will apply for at least five years from when you tell us your choice. Once that period expires, you will receive a renewal notice that will allow you to continue to limit marketing offers from the Western & Southern Financial Group companies for at least another five years.

To limit marketing offers, contact us at 1.800.586.2302 Integrity at 800.325.8583 or National Integrity at 800.433.1778.

If you have questions or would like additional information about WSFinancialPartners.com Privacy Policy, please contact us. A Privacy Issue Representative is available 8:00 a.m. - 5:00 p.m. EST, Monday through Friday (excluding holidays).

Currently, it is not our practice to share information about you with our affiliates for any purpose other than the administration of your financial product as permitted by law. In the future, we may determine that sharing your information with our affiliates would benefit our customers through enhanced services.

Western & Southern Financial Group members covered by this policy:

• The Western and Southern Life Insurance Company
• Western-Southern Life Assurance Company
• W&S Agency Group
• W&S Brokerage Services, Inc.^*
• W&S Financial Group Distributors, Inc.
• Capital Analysts Incorporated^{* **}
• Columbus Life Insurance Company
• Eagle Realty Group, LLC
• Fort Washington Capital Partners, Inc.
• Fort Washington Investment Advisors, Inc.^**
• Fort Washington Savings Company
• IFS Financial Services, Inc.
• Insurance Profillment Solutions, LLC
• Integrity Life Insurance Company
• The Lafayette Life Insurance Company
• Lifetime Income Solutions Group
• National Integrity Life Insurance Company
• Touchstone Advisors, Inc.^**
• Touchstone Securities, Inc.^*

*member FINRA/SIPC

**registered investment advisor

The WSFinancialPartners.com Privacy Policy may be modified occasionally, and we will post modifications on this Web site as we implement them. The date of the latest revision will always appear on the bottom right side of this page, and we encourage you to check here periodically for updates.