Privacy Policy for www.lifeinsure.com
Effective Date: 9/30/2024
Your privacy is very important to us at www.lifeinsure.com (the “Site”). This Privacy Policy outlines how we collect, use, and protect your personal information when you visit our website or interact with our services. It also explains your rights under applicable privacy laws, including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the Telephone Consumer Protection Act (TCPA), and other regional privacy regulations. By using this Site, you agree to the collection and use of information as described in this Privacy Policy.
1. Information We Collect
We may collect the following types of information when you interact with the Site:
- Personal Information: This may include your name, email address, phone number, mailing address, date of birth, and other identifying information when you submit a request for an insurance quote or subscribe to our services.
- SMS Opt-in or phone numbers for SMS purposes are not shared.
- Non-Personal Information: This may include information about your device, IP address, browser type, operating system, and browsing behavior on the Site (such as pages viewed and time spent).
- Cookies and Tracking Technologies: We use cookies and similar tracking technologies to enhance your experience, help you understand how the Site is used, and improve our services. You can control cookie settings through your browser.
2. How We Use Your Information
We use your personal information for the following purposes:
- To provide, operate, and maintain our services.
- To process insurance quotes and facilitate communication between you and insurance providers.
- To personalize your experience on the Site and offer tailored content. To comply with legal obligations and protect our legal rights.
We do not sell, rent, or lease your personal information to third parties. However, we may share your information with:
- Service Providers: We may share information with third-party service providers who help us operate the Site and provide services to you.
- Legal Obligations: We may disclose your information when required by law or in response to a legal request such as a court order, subpoena, or government investigation.
3. Compliance with Applicable Privacy Regulations
General Data Protection Regulation (GDPR)
Even though we only provide services to those visitors within the United States, for individuals in the European Economic Area (EEA), we comply with the GDPR. You have the following rights:
- Right to Access: You may request access to your personal data that we hold.
- Right to Rectification: You may request that we correct or update your personal data if it is inaccurate or incomplete.
- Right to Erasure (Right to be Forgotten): You may request that we delete your personal data under certain circumstances.
- Right to Data Portability: You may request a copy of your personal data in a structured, machine-readable format.
- Right to Restrict Processing: You may request that we limit the processing of your personal data under certain conditions.
- Right to Object: You may object to the processing of your personal data for direct marketing purposes or where we rely on legitimate interests.
To exercise your GDPR rights, please contact us at (818) 495-4656.
California Consumer Privacy Act (CCPA)
For California residents, we comply with the CCPA. You have the following rights:
- You have the right to request what personal information we collect, use, and disclose about you.
- You have the right to request that we delete personal information collected from you.
- Right to Opt-Out: You can opt out of the sale of your personal information. Please note that we do not sell personal information.
You can exercise your CCPA rights by contacting us at (818) 495-4656 or submitting a request through https://www.lifeinsure.com/contact/.
We will not discriminate against you for exercising your privacy rights under the CCPA.
Other Regional Privacy Laws
Even though we only provide services to those visitors within the United States, if you are located in a region outside of the EEA or California, such as Canada, Australia, or Brazil, we strive to comply with local privacy laws applicable to your region. Please contact us to inquire about your privacy rights and how we handle your personal data in accordance with these laws.
4. Compliance with Telephone Consumer Protection Act (TCPA) Regulations
We are committed to complying with the Telephone Consumer Protection Act (TCPA) and ensuring that your rights are respected regarding telemarketing communications. The TCPA restricts certain unsolicited marketing communications via phone calls, text messages, and fax transmissions. Here’s how www.lifeinsure.com adheres to TCPA regulations:
Consent to Receive Communications
When you provide us with your phone number, you consent to receive communications from us, including telemarketing calls, automated SMS/text messages, or prerecorded messages, even if your number is listed on the National Do Not Call Registry. Consent is not a condition for purchasing any goods or services from us.
5. Terms of Service for SMS Communications
- Consent for SMS Communication
*Information obtained as part of the SMS consent process will not be shared with third parties.
- Types of SMS Communications
- If you have consented to receive text messages from Intramark Insurance Services, you may receive text messages related to your request for a life insurance application you submitted on www.lifeinsure.com
- Below are examples:
- Customers and Guests: Updates regarding your request for a life insurance application or other relevant information.
- Job Applicants: Information about your application status, onboarding materials, or other employment-related updates.
*Standard Messaging Disclosures
- Message and data rates may apply.
- You can opt-out at any time by texting “STOP.”
- For assistance, text “HELP” or visit our Privacy Policy]
Opting Out of Communications
You have the right to opt out of receiving marketing communications from us at any time. To opt-out:
- For Calls: You can request to be placed on our internal Do Not Call list by notifying us during a call or contacting us directly using the information provided in the “Contact Us” section below.
- For Text Messages: You can opt out of receiving text messages by replying “STOP” to any text message we send. Once we receive your opt-out request, we will stop sending you further marketing communications via text.
Do Not Call Registry
We respect the National Do Not Call Registry and will not contact numbers listed on it unless you have provided prior express consent for us to contact you or if another exemption applies under the TCPA.
Revocation of Consent
You have the right to revoke your consent to receive marketing communications from us anytime. To do so, notify us using the methods outlined in this Privacy Policy. Once your revocation request is processed, we will cease further communications under TCPA guidelines.
Penalties for Violations
We take TCPA compliance seriously. Violations of the TCPA may result in significant penalties, and we have implemented internal procedures to ensure that our communications practices align with the law.
Contact for TCPA Compliance Issues
If you have any questions, concerns, or requests regarding our compliance with the TCPA, please contact us using the following methods:
Email: info@lifeinsure.com
Phone: (818) 495-4656
Address: 450 N. Brand Blvd., Suite 600, Glendale, CA 91203
We value your privacy and are committed to upholding your rights under TCPA and other applicable privacy laws.
6. Data Security
We take the security of your personal data seriously. We use appropriate technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee the absolute security of your information.
7. Data Retention
We retain your personal data only for as long as is necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal obligations. When your data is no longer required, we will securely delete or anonymize it.
8. Third-Party Links
The Site may contain links to third-party websites or services not owned or controlled by us. We are not responsible for the privacy practices of these third-party websites. We encourage you to review their privacy policies when you visit them.
9. Children’s Privacy
The Site is not intended for individuals under the age of 16. We do not knowingly collect personal information from children under 16 without parental consent. If you believe we have collected information from a child under 16, please contact us, and we will take appropriate steps to delete such information.
10. Changes to This Privacy Policy
We may update this Privacy Policy occasionally to reflect changes in our practices or applicable laws. Any updates will be posted on this page, and the effective date at the top will be updated accordingly. We encourage you to review this Privacy Policy periodically.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or your personal information, please contact us at:
Email: info@lifeinsure.com
Phone: (818) 495-4656
Address: 450 N. Brand Blvd., Suite 600, Glendale, CA 91203
By using the Site, you acknowledge that you have read and understood this Privacy Policy.
