This privacy notice discloses the privacy practices for BuyNoExamLifeInsuranceOnline.com. This privacy notice applies solely to information collected by this web site. It will notify you of the following:
- What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
- What choices are available to you regarding the use of your data.
- The security procedures in place to protect the misuse of your information.
- How you can correct any inaccuracies in the information.
Please read the following legal notices carefully. Your use of this web site and associated services constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information.
What Information Do We Collect?
We are the sole owners of the information collected on this site. When you visit this web site you may provide us with two types of information: personal information that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.
1. Personal Information We May Obtain From You
We obtain information about you directly from you, from applications, contracts, documents and forms you complete or sign, or in telephone conversations with you. We may obtain additional information about you or, with your authorization, others who may have an interest in your insurance policy, annuity contract or primary residence, from additional sources, including your insurance company, insurance producer, health care providers, creditors, credit reporting agencies, and your representatives or advisors. We may also obtain information about you from public records and, with your authorization, other persons.
The personal information that we or our affiliates may collect includes, but is not limited to, the items listed below.
- Personal information, such as your name, address, social security number, driver’s license number, occupation and employer;
- Financial information, such as assets, income, credit history, banking information and account numbers;
- Legal information, such as judgments, liens, bankruptcies, divorces, probate, and other civil and criminal court proceedings;
- Other identifying information, such as birth date, telephone and fax numbers, and email, street, and mailing addresses;
- Insurance or annuity policy information, including the policy terms, conditions and limits, the named beneficiaries, and your premiums and payment history; and
- Medical information, such as your current health status and prior health care treatments.
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.
2. Electronic Information
We may collect and track certain electronic information to ensure that your consumer experience is a beneficial one, including by not limited to the following:
- Cookies -
Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" to collect information about how our Web site is used. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site. Information gathered through cookies may also include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site.
- Log files - We may use log files to track how our sites are being accessed and used. Log files track anonymous user information such as IP addresses, browser types, Internet service providers, referring and exit pages, platform type, date and time stamps, and number of clicks to, from, and within our sites.
- IP Addresses - IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic data so that data (such as the Web pages you request) can be sent to you.
How Do We Use Electronic Information?
How Do We Use the Personal Information That You Provide to Us?
Broadly speaking, we use personal information for purposes of administering our business activities, providing the products and services you requested, to process your payment, to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customize our site's content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.
Furthermore, such information may be shared with others on an aggregate basis. Personally identifiable information or business information will not be shared with parties except as required by law.
Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter.
Communications You Can Expect
You may expect to receive confirmation emails for submitted quote request(s), newsletters, surveys, follow-up telephone inquiries, telephone solicitations, direct mail solicitations, wireless solicitations, SMS solicitations, and facsimile solicitations and courtesy communications from us.
By submitting a quote request through BuyNoExamLifeInsuranceOnline.com, Insurance Agents or Affiliates will contact you using the contact information that you provided in the quote request form. In order to stop these communications, you must contact the Agents directly and request that they stop contacting you.
Sharing and Selling Information
We do not share, sell, lend or lease any of the information that uniquely identify a subscriber (such as email addresses or personal details) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.
We do share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person.
We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.
As permitted by law or with your authorization, we will share your nonpublic personal financial information (1) with our affiliates and non-affiliated companies that provide services for us related to a transaction you request and (2) under the following additional circumstances:
- To establish or exercise our legal rights or defend against legal claims;
- In connection with a proposed or actual sale, merger, transfer, exchange or consolidation of BuyNoExamLifeInsuranceOnline.com or any portion of our business; and
- To secure services and advice from our attorneys, accountants and auditors.
We may also disclose your nonpublic personal financial information for other purposes or to other persons with your authorization or otherwise as required or permitted by law.
How Can You Access and Correct Your Information?
You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at the usual address.
What About Legally Compelled Disclosure of Information?
We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the Public.
What About Information Collected When Getting a Free, No Obligation Quote?
In order to receive a Free, No Obligation Quote, a user must first complete the information form. During this process, a user is required to give certain information (such as name, e-mail, phone, and address). This information is used to contact you about the products/services on our site in which you have expressed interest.
What About Other Web Sites Linked to Our Web Site?
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Our Commitment To Data Security:
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Notwithstanding the foregoing, we cannot guarantee that its security measures will prevent its computers from illegal or otherwise unauthorized access.
Please note that your information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
- See what data we have about you, if any.
- Change/correct any data we have about you.
- Have us delete any data we have about you.
- Express any concern you have about our use of your data.
Surveys & Contests
From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.
A Special Note About Children
Children are not eligible to use our services unsupervised and we ask that children (under the age of 14) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians
Acquisition or Changes in Ownership
In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.
By completing forms provided by us and providing personal information through our web sites, you hereby represent and warrant that:
- We may contact you using the information you provide.
- You are an actual person of at least 18 years of age, you have the right to provide the information you submit, and the information you submit is accurate, complete and truthful.