Your privacy is our responsibility.
From Visitors, whether or not they are or become Members, we collect: information about the technical mechanisms you used to access the Sites, such as your browser and operating system type; the link that brought you to our Sites; data points that help our analytics function and which tell us what brought you to a particular spot on our Sites; and your IP address, which is automatically anonymized when used by our third party analytics services. Collectively, this is “Usage Information.”
We use Usage Information to inspect, analyze, and improve our Sites and ensure they function well with the technology used by our Visitors. In addition to analytics about the demographics of our Sites’ Visitors, we use IP Addresses for Visitors not to individually identify you, but to confirm we can deliver the Sites and Services to you based on local legal rules.
You need to 18 years or older to provide any personal information to the site . The website is not intended for anyone under the age of 18.
Newsletters, email and chat
Visitors and Members may sign up for email newsletters, or email or chat with us on the Sites by providing their name and email address. In connection with our marketing campaigns, we also collect and use information about your engagement with our marketing emails (e.g., whether you open and/or forward those emails) to make sure that the products and offers that we inform you of are relevant to you.
Personally Identifiable Information
The Site may request and collect certain personally identifiable information including, but not limited to, Application Data and other personal information contained in User Submissions, through various means such as online forms, online applications, e-mail and comments submitted to the Site. Such information collected through the Site may include financial information, health-related information, and other sensitive information.
Non-Personally Identifiable Information
We may also collect certain non-personally identifiable information via the Site, such as Site usage activity and preferences, also known as demographic or profile data.
Why must you give so much personal information?
Insurance companies establish their rates using a variety of criteria. Since we deal with hundreds of companies, we must ask you questions required by all of them to determine the most competitive match for you.
The application form on the Site supports encryption to help protect the security of your transfer of data to the Site. Although we will take all reasonable security precautions regarding information stored on the Site, due to the open nature of the Internet, we cannot guarantee that any information stored on our servers, or transmitted to or from a user, will be free from unauthorized access, and we disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications. By using the Site, you acknowledge that you understand and agree to assume these risks.
Consent To Processing:
By providing any personal information to this Site, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the United States and other countries or territories.
By submitting this information you are authorizing Brokers, Agents, discount program representatives and/or Insurance Professionals in the lifeinsurancepro.org network to contact you directly with quotes via telephone, fax, and email, regardless of the presence of your phone number(s) on any local or national no-call list.
California Consumer Privacy Act:
|Category of Information||Examples||Information Collected|
|Identifiers||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||Yes|
|Categories of personal information described in subdivision (e) of Section 1798.80.||A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card, or any other financial information, medical information, or health insurance information.||Yes|
|Characteristics of protected classifications under California or federal law||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran military status, genetic information (including familial genetic information).||Yes|
|Commercial Information||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||Yes|
|Biometric information||An individual’s physiological, biological or behavioral characteristics, including an individual’s deoxyribonucleic acid (DNA), that can be use, singly or in combination with each other or with other identifying data, to establish individual identity, including but not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.||No|
|Internet or other electronic network activity information||Browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, advertisement.||Yes|
|Geolocation data||Physical location, position, and movement data.||Yes|
|Sensory information||Audio, electronic, visual, thermal, olfactory, or similar information.||No|
|Professional or employment-related information||Present and past employment data.||Yes|
|Education information||Education records maintained by educational institutions or third parties on behalf of these institutions.||Yes|
|Inferences drawn from any other information||Data reflecting a consumer’s preferences, characteristics, habits, attitudes, predispositions, intelligences, and abilities.||Yes|
Personal Information Collected
lifeinsurancepro.org (“we,” “us,” or “our”) collects Personal Information provided by Consumers through the Site. In the past 12 months, we have collected the following information from Consumers
The categories of Personal Information described above are collected from the following categories of sources:
Directly from Consumers or their agents, such as through Consumers’ responses to forms on this Site.
Directly and indirectly from activity on the Site, such as through Consumers’ interaction with this Site.
From third-parties that work with us to provide services to Consumers, such as the third-parties that we connect Consumers with to fulfill their requests.
Uses of Personal Information
The information we collect is used to:
Fulfill the purpose for which the information was provided by the Consumer
Perform the activities described to you when collecting your personal information or as set forth in the CCPA
Provide the Consumer with information, products, or services that have been requested
Perform internal and external marketing
Carry out obligations and enforce contractual rights
Improve the services provided through the Site, such as through testing, research, analysis, and development
Respond to requests from law enforcement and government organizations as required by law, court order, or government regulation
Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets whether on an ongoing basis or as part of a discrete transaction in which collected personal information is among the assets transferred
Additional categories of Personal Information will not be collected or used for materially different purposes without first providing the Consumer with notice.
Sharing and Sale of Personal Information
We may sell or disclose Personal Information provided to us by Consumers for a business purpose. In the past 12 months, the following categories of Personal Information have been sold or disclosed for a business purpose:
Characteristics of protected classifications under California or federal law
Internet or other electronic network activity
Professional or employment-related information