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Privacy Policy

UPDATED AS OF: December 13, 2018
This online privacy policy is being provided by MassMutual Foundation, Inc. (the “MassMutual
Foundation,” “we,” “us,” or “our”).

We are committed to maintaining your confidence and trust as it relates to the privacy of your
information. Please read below and learn how we collect, protect, share and use your information as
part of our technology platforms, including, without limitation, our websites, interactive features,
applications, and social network pages (“Platforms”).

Information You Provide To Us

We may collect information you provide to us on the Platforms. This may include Personal
Information (information that can be used to identify you as an individual) such as your name, email,
telephone number, home address, demographic information (such as zip code, age). The types of
Personal Information we collect may vary depending on your use of the features of the Platforms.
Information We Collect Automatically

Usage Information. Whenever you visit or interact with the Platforms, we, as well as any third-party
advertisers and/or service providers, may use a variety of technologies that automatically or
passively collect information about how the Platforms are accessed and used (“Usage Information”).
Usage Information may include browser type, device type, operating system, application version, the
page served, the time, the preceding page views, and your use of features or applications on the
Platforms. This information helps us keep our Platforms fresh and interesting to our visitors and
allows us to tailor content to a visitor’s interests.

Device Identifier. We automatically collect your IP address or other unique identifier (“Device
Identifier”) for the Device (computer, mobile phone, tablet or other device) you use to access the
Platforms. A Device Identifier is a number that is assigned to your Device when you access a
website or its servers, and our computers identify your Device by its Device Identifier. We may use a
Device Identifier to, among other things, administer the Platforms, help diagnose problems with our
servers, analyze trends, track users’ web page movements, help identify you and your interests, and
gather broad demographic information for aggregate use.

Cookies; Pixel Tags. The technologies used on the Platforms to collect Usage Information, including
Device Identifiers, include but are not limited to: cookies (data files placed on a Device when it is
used to visit the Platforms), mobile analytics software and pixel tags (transparent graphic image,
sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which
indicates that a page or email has been viewed). Cookies may also be used to associate you with
social networking sites like Facebook and Twitter and, if you so choose, enable interaction between
your activities on the Platforms and your activities on such social networking sites. We, or our
vendors, may place cookies or similar files on your Device for security purposes, to facilitate site
navigation, to perform analytics, and personalize your experience while visiting our Platforms (such
as allowing us to select which ads or offers are most likely to appeal to you, based on your interests,
preferences, location, or demographic information). A pixel tag may tell your browser to get content
from another server.

To learn how you may be able to reduce the number of cookies you receive from us, or delete
cookies that have already been installed in your browser’s cookie folder, or prevent tracking
activities, please refer to your browser’s tools or help menu or other instructions related to your
browser. Because an industry-standard Do-Not-Track protocol has not yet been established, our
information collection practices on our Platforms will continue to operate as described in this online
privacy policy regardless of any “Do Not Track” signals that may be sent by certain browsers.
However, you may refuse to accept cookies in order to prevent tracking activities. If you do disable
or opt out of receiving cookies, please be aware that some features and services on our Platforms
may not work properly because we may not be able to recognize and associate you with your

account(s). In addition, the offers we provide when you visit us may not be as relevant to you or
tailored to your interests.

We use the information we collect about and from you for a variety of purposes such as to respond
to your questions and requests; provide you with access to certain areas and features of the
Platforms; verify your identity; communicate with you about your activities on the Platforms and, in
our discretion, changes to any of our policies; tailor content, and advertisements; improve the
Platforms; comply with license obligations; and for purposes disclosed at the time you provide your
Personal Information or otherwise with your consent. We may also collect your location based
information for the purpose of providing you with certain services.

Except as described here, we will not provide any of your Personal Information to any third parties
without your specific consent. We may share non-Personal Information, such as aggregate data and
Usage Information with third parties. We may also share your information as disclosed at the time
you provide your information, as set forth in this Privacy Policy and in the following circumstances:
Third Parties Providing Services. We may share your Personal Information with third parties that
perform functions on our behalf such as nonaffiliated companies in order to perform standard
operational functions ; service providers that host or operate our Platforms, analyze data, or process

Your Agreement to Have Your Personal Information Shared. While on our Platforms, you may have
the opportunity to opt-in to receive information and/or marketing offers from someone else or to
otherwise consent to the sharing of your information with a third party, including social networking
sites such as Facebook or Twitter. If you agree to have your Personal Information shared, your
Personal Information will be disclosed to the third party and the Personal Information you disclose
will be subject to the privacy policy and business practices of that third party.

Legal Disclosure. We may transfer and disclose your information to third parties to comply with a
legal obligation; when we believe in good faith that the law or a governmental authority requires it; to
verify or enforce our Terms of Use or other applicable policies; to address fraud, security or technical
issues; to respond to an emergency; or otherwise to protect our rights or property or security of third
parties, visitors to our Platforms or the public.

We may receive information about you from third parties through your interactions with them. In
addition, if you are on another website and you opt-in to receive information from us, that website will
submit to us your email address and other information about you so that we may contact you as
requested. You may also choose to participate in a third party application or feature (such as one of
our Facebook or Twitter applications or a similar application or feature on a third party website)
through which you allow us to collect (or the third party to share) information about you, including
Usage Information and Personal Information such as lists of your friends, “likes”, comments you
have shared, groups and location. Services like Facebook Connect give you the option to post
information about your activities on our Platform to your profile page to share with others within your
network. In addition, we may receive information about you if other users of a third party website
give us access to their profiles and you are one of their “connections” or information about you is
otherwise accessible through your “connections’” web page, profile page, or similar page on a social
networking or other third party website or interactive service. We may supplement the information we
collect about you through the Platforms with such information from third parties in order to enhance
our ability to serve you, to tailor our content to you and/or to offer services that we believe may be of
interest to you.

You control the Personal Information that you provide to us on the Platforms, but some Personal
Information is required by us in order for you to use the Platforms. If you choose not to provide us
with your Personal Information on the Platforms, you may not be able to take advantage of some
functionality on the Platforms. Except as provided above in section 3, we will not share Personal
Information collected on the Platforms with third parties without your consent. You may also direct us

to stop sending you promotional emails by following the removal instructions in a communication you
receive from us. Your opt-out request will be processed within 10 business days of the date on which
we receive it.

If you wish to modify, verify, correct, or delete any of your Personal Information collected through the
Platforms, you may edit your registered user information or contact us. In accordance with our
routine record keeping, we may delete certain records that contain Personal Information you have
submitted through the Platforms. We are under no obligation to store such Personal Information
indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal
Information. It may not always be possible to completely remove or delete all of your information
from our databases without some residual data because of backups and other reasons. We will
retain your information (including geo-location data) for as long as needed to provide you services. If
you wish to request that we no longer use your information to provide you services through the
platform, contact us. We will retain and use your information as necessary to comply with our legal
obligations, resolve disputes, and enforce our agreements. We do not control certain privacy settings
and preferences maintained by our social media partners like Facebook and Twitter. If you wish to
make changes to those settings and preferences, you may do so by visiting the settings page of the
appropriate social media site.
We may use third party ad network providers to help present ads on the Platforms, as well as other
service providers to evaluate and provide us with information about the use of the Platforms and
viewing of our content. We do not share Personal Information with these providers (unless, of
course, you give us permission). Such providers may place and access cookies, pixel tags, or similar
technologies on your Device to serve you ads or other content personalized to your interests which
they infer from your browsing on the Platforms and other sites you have visited. In doing so, the
provider collects or has access to non-Personal Information such as your Usage Information. The
use of cookies, pixel tags, or similar technologies by these providers is subject to their own privacy
policies, not ours.


The Platforms are not directed to children under 13. We do not knowingly collect, use or disclose
personally identifiable information from anyone under 13 years of age. If we determine upon
collection that a user is under this age, we will not use or maintain his/her Personal Information
without the parent/guardian’s consent. If we become aware that we have unknowingly collected
personally identifiable information from a child under the age of 13, we will make reasonable efforts
to delete such information from our records.

We take information security seriously and use certain reasonable security measures to help protect
your Personal Information. However, no electronic data transmission or storage of information can
be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any
information you transmit to us, and you use the Platforms and provide us with your information at
your own risk.

The Platforms may contain links to other sites that we do not own or operate. We do not control and
are not responsible for these sites or their content, products, services or privacy policies or practices.
These other sites may send their own cookies to your Device, they may independently collect data
or solicit Personal Information and may or may not have their own published privacy policies. You
should also independently assess the authenticity of any site which appears or claims that it is one
of our Platforms (including those linked to through an email or social networking page).

The Platforms may make available chat rooms, forums, message boards, and news groups.
Remember that any information that you disclose in these areas becomes public information and is
not subject to the provisions of this Privacy Policy.

We may update this Privacy Policy to reflect changes to our information practices. If we make any
material changes we will notify you by email (sent to the e-mail address specified in your account) or

by means of a notice on our Platforms prior to the change becoming effective. We encourage you to
periodically review this page for the latest information on our privacy practices.

If you have any questions or concerns about this Privacy Policy, the practices of the Platforms, or
your experiences with the Platforms, please contact us.

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