Website Privacy Policy 

TermLifeInsuranceUSA.com (hereafter “TermLife”) is committed to protecting your private information. This Privacy Statement describes the information that we collect when you visit our site. Our privacy statement describes how we use that information, and how you can update it. We reserve the right to append or otherwise modify this Privacy Statement at any time. Please revisit this page occasionally to check for updates.

Telephone Consumer Protection Act Compliance

If you provide a cell phone number with your contact information, you agree to be contacted at that cell phone number, regardless of whether you, or someone else, is in possession of the cell phone when contact is made. Entering into this agreement is not a condition of purchasing any goods or services.

Information We Collect

Collecting various types of information from our visitors allows Termlife to periodically adjust this site to meet our users’ needs and expectations. Some of this information is collected automatically, through cookies. Other information is collected when you register for any of our online services, or when you request information from one of our insurance partners.

Information Collected Automatically

Some information is automatically sent to TermLife by your browser or Internet session each time you visit one of our sites. These types of information include:

  • The name of your browser, e.g., Chrome, Firefox, Opera.
  • Your Internet domain, e.g., Comcast, AT&T.
  • Your computer’s operating system, e.g., Windows, MacOS, Linux.
  • Your navigation path, e.g., the URL(s) that you use to access our site, which of our pages you visit, and where you go when you leave.
  • Your IP address.
This information allows us to see how users are finding our site, and which pages are visited the most often. We can then use this information to make our site more useful and user-friendly.

Third Party Advertisers

TermLife works with third party advertisers and other vendors to serve ads and collect data on our sites. These companies may use information (including your name, address, email address, or telephone number) about your visits to these and other websites to provide advertisements on these sites and other websites about goods and services that may be of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please contact us at the email address or phone number provided on the site.

Information You Provide to Us

In addition to the information automatically collected by your browser, Termlife also collects information that you provide to us when you request quote information. Our web sites provide users uses our proprietary matching logic software to match you with the right insurance agent or broker to suit your needs. To do this, we collect contact information (name, address, phone number, email address, gender, age, etc.) as well as information relevant to the applicant’s insurability. This contact information is then provided to the insurance partners to enable them to follow up and address your particular inquiries and/or insurance needs.

By submitting a request for insurance information and/or referral, you authorize Term Life to provide your information to insurance agents, both local and national. You also authorize TermLife to provide your information to one of our third party agent networks in the event that our primary agent network has few or no agents that match your requirements. You authorize these agent networks to share your information with their vendors, suppliers, and insurance carriers in order to generate information to address your particular insurance needs. By submitting an informational or referral request, you acknowledge that insurance carriers may elect to obtain credit information on their own in connection with the quoting and underwriting of the requested insurance. Where permitted by law, some insurance companies or their agents may confirm your information, through the use of various consumer reports

By submitting an insurance information or referral request, you also authorize TermLife to provide the information submitted in the request to third party marketing partners so that they can market related products or services tailored to meet your insurance needs. If you do not want us to make your information available to these companies, please contact us to unsubscribe.

How We Use This Information

The information that is automatically collected by this web site allows Termlife to further develop and improve the layout, design, and usability of the site, in order to better serve your Internet needs. Information you provide to us is used for marketing purposes and may result in follow-up communications.

How Our Insurance Partners May Use This Information

In order to provide you with insurance information and match you with a national or local insurance agent tailored to meet your specific needs, insurance companies may need to obtain additional background information about you. As an example, consumer reports may be ordered in connection with your insurance application. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals or extensions of this insurance. The insurance company may also obtain and use a credit-based insurance score based on information contained in your credit report. The insurance company may use a third party in connection with the development of the insurance score.

Your Rights—Our Obligations

TermLife respects the privacy of users visiting our site and will abide by all applicable laws concerning release of personal information. On occasion, we may use certain information that we collect from you to send you information, via direct mail or email, about products and services, or updates and other information that we think may be of interest to you. We may share this information with our insurance partners to bring similar information to your attention. If you tell us that you do not wish to have this information used as a basis for further contact with you, we will respect your wishes. Please contact us to request that your name and address should be removed from our lists.

Our Security Measures

The personal information that you provide to TermLife is protected through the utilization of SSL Encryption, the leading security protocol on the Internet. When an SSL session is started, the browser sends its public key to the server so that the server can securely send a secret key to the browser. The browser and server exchange data via secret key encryption during that session. TermLife also uses SSL encryption whenever we convey your personal information (e.g. name and address) to a third party. These security measures protect against the loss, misuse, and/or alteration of the information under our control.

Compliance with Law

TermLife reserves the right to disclose your personal information if required to do so by law, or in the good faith belief that such action is reasonably necessary to comply with legal process, respond to claims, or protect the rights, property, or safety of our company, employees, customers, or the public.

California Privacy Rights

Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to request from a business, with whom the California resident has an established business relationship, certain information regarding the types of personal information the business shares with third parties for direct marketing purposes, and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year.

Cookies

We use "cookies" to personalize your experience on the website and enhance security. 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. Our usage of cookies also maximizes efficiency when accessing the site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site and maximize our ability to match our users with national and local agents best suited to meet our users’ individualized insurance needs. Your privacy and security are not compromised by our usage of cookies. Usage of a cookie is in no way linked to any personally identifiable information on our site. It does not contain your name, address, telephone number, or email address. Cookies cannot read data from your computer’s hard drive or read cookie files from other websites.

Some of our business partners may use cookies on our site for purposes such as management of online advertising. As with our secure and private use of cookies, cookies used by our partners collect information that is anonymous and not personally identifiable. Please be advised that disabling cookies on your web browser may affect the functionality of our site.

Links

This website 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.

If you have any concerns regarding our compliance with the above terms of our privacy policy, you should contact us immediately via telephone at (877) 921-0089 or via email at CustomerCare@TermLifeInsuranceUSA.com.

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