Purpose

MONY Partners and MONY Life (collectively "MONY") have prepared this privacy statement to demonstrate our commitment to ensuring the personal privacy of those who visit this site. Further, this statement summarizes MONY's current practices on gathering and handling data on the visitors to its Web site.

Summary

MONY's Web site collects no individually-identifiable information (information revealing the visitor's identity) about visitors unless they knowingly and voluntarily provide it to us. This means that you can visit the MIN Web site without telling us who you are or revealing any information about yourself. If, however, you choose to provide us with individually-identifiable information, then we will not disclose it to anyone outside MONY unless you specifically authorize it or disclosure is required either by law or to protect the safety or security of MONY's customers, employees or property.

What Information MONY Collects

To measure the effectiveness of our Web site, MONY collects some non-individually-identifiable generic information about visitors. This information may be described as "aggregated tracking information." "Aggregated tracking information" is data collected on visitors as a group without any distinguishing characteristics from which individuals can be identified. For example, our Web server will recognize a visitor's domain name (such as .com, .gov, .edu), the Web pages from and to which the visitor enters and exits our site, the pages visited, the visitor's Web browser and how much time the visitor spends on each page. We aggregate this information to evaluate and improve our Web site.

How We Gather Information

Unregistered Users: We use a "cookie" to store the customization information for a single visit of an unregistered user. A cookie is a small data file (a few lines of text) that is transmitted to your Web browser and then stored on your hard drive. When you return to the site, the cookie is transmitted back to our server. A cookie file can contain information that the site uses to track the pages you' ve visited. However, the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites. We will delete the cookie when you end your browser session (i.e., when you choose "Exit" in Netscape's File menu or "Close" in Internet Explorer's File menu).

Registered Users: When a MONY visitor chooses to register with us, the information provided by the visitor is entered into a secure MONY Web site database. When a registered user logs in, the information stored in this database is used to recall previous customization options and information. The user can change this preference at any time, and we will delete the cookie.

We will use the information provided for broad demographic information purposes and for analyzing how this Web site is being used. We will not willingly share this information with any other organization outside of MONY or AXA Financial of which MONY is a wholly owned subsidiary. For example, we do not sell database information to telemarketers. On occasion, we may want to provide you with useful information about new products and services.

Our site also uses forms for customers to request information, inquire about careers, and to initiate customer service. Our site's registration form requires visitors to give us contact information (like their name and e-mail address) so that we can reply to an inquiry or service request. For certain customer service requests, we also ask for personal identifying information such as taxpayer ID number and date of birth so that we can later verify the customer's identity.