113 Cherry Street #88030
Seattle, WA 98104-2205
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Personal Information You Provide
We collect the content and other personal information that you provide when you use the Services, including when you request an insurance quote, apply for insurance, and sign up for an account. The personal information we may collect includes, but is not limited to: name, address, date of birth, phone number, email address, height, weight, social security number, vehicle details, personal and family health information, arrest records, credit score, properties you own or rent, and similar information about family members and dependents. We also collect information about how you use the Site or Services, such as the types of content you view or engage with or the frequency and duration of your activities. Depending on the nature of the Services provided by us to our customers, we may receive personal information either from you directly or from third party partners. We may receive personal information when you create an account on our Site, sign up or request information about the Services, submit an order for the Services, or provide information for the purposes of verification of your identity or fraud prevention purposes.
If you use the Services for purchases or financial transactions, we collect information about the purchase or transaction. This includes your payment information, such as your credit or debit card number and other card information, and other account and authentication information, as well as billing, mailing and contact details.
We collect passive information from or about the computers, phones, or other devices where you install or access the Site and/or Services, depending on the permissions you’ve granted. This includes, but is not limited to: attributes such as the date and time of your visit; the length of your visit; your operating system, hardware version, device settings, file and software names and types, battery and signal strength, and device identifiers; device locations, including specific geographic locations, such as through GPS, Bluetooth, or WiFi signals; and connection information such as the name of your mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address. We may associate the information we collect from your different devices, which helps us consistently provide the Services across your devices.
We may use the information collected through the Site for any lawful purpose, including analyzing and tracking the level or type of user activity on the Site, tracking and analyzing usage trends, personalizing the Site to better reflect your preferences, serving more relevant advertisements, or enhancing your and other users' use of the Site. Collected information may be used by third party service providers including but not limited to Heap, Google Analytics, Google Tag Manager, Facebook Pixel, Twitter Pixel, Lucky Orange, Criteo Pixel to provide us with analytics and data management services.
We do not guarantee that we or the Site will take action in response to do-not-track signals or similar mechanisms. Additionally, some third party service providers may still collect tracking information even if you have enabled your browser's do-not-track functionality or utilized a similar do-not-track mechanism.
Information from third-party partners.
We receive information about you and your activities on and off the Site from third party brokers, carriers offering third party insurance products (the “Third Party Providers”), such as information when we jointly offer services with such Third Party Providers, or from a Third Party Provider about your experiences or interactions with them.
Third party information we collect includes, but is not limited to: Google Analytics, Google Tag Manager, Facebook Pixel, Twitter Pixel, Lucky Orange, Criteo Pixel.
Cookies and tracking technology.
We collect information from tracking technology such as cookies and web beacons. Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones, and other devices. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this policy, we refer to all of these technologies as “cookies.” Web beacons are electronic files used to track your navigation on a website or collection of sites, the completion of transactions, submittal of applications and browsing behavior. We use these technologies to enhance your user experience. To opt out of any personalized advertising please send us an email at firstname.lastname@example.org. You can always turn off all cookies via your browser settings, however if you do so, some features of this Site might now function properly.
Provision of the Services; provide accurate product recommendations and quotes; help first-and-third-party underwriting; provide information for applications; provide or offer other insurance, financial and consumer products and services, including from Third Party Providers; provide, maintain and improve customer service; customize and personalize your experience with the Site and/or Services according to your interests; develop and improve the Site and the Services; respond to your inquiries; and communicate with you regarding your purchases or any other related topics. In addition, we may aggregate your information with our other users’ information and use that information for benchmarking and analysis purposes.
We communicate with you through one or more of the following means: phone including an automated dialer, SMS, physical mail, email, notices posted on the Lifeinsurance.net Site, messages to your Lifeinsurance.net inbox, and other means available through the Services, including mobile text messages and push notifications. Examples of these communications include: transactional communications, welcome and engagement communications, service communications, promotional communications, and sales communications. Please be aware that you cannot opt out of receiving notification messages from us concerning the Services. We take your information and privacy very seriously and strive for 100% CAN-SPAM and TCPA compliance. Please contact us directly at email@example.com if you discover any issues.
In some circumstances, we may share your information with Third Party Providers such as insurance carriers, brokerages, and agents offering products and information made available to you through the Services. This includes any parent companies, subsidiaries, join ventures, or other companies under common control with us. These companies may then contact you outside of the Services via automated dialer, SMS, or email, without your direct knowledge or a pre-set appointment.
As we develop our businesses, we might sell or buy other’s businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of your personal information may be part of the transferred assets.
To the extent permitted by law, we may also disclose your personal information when required by law, valid court order or subpoena; to cooperate with law enforcement or other governmental investigations (without necessarily requiring the law enforcement or government agency requesting the information to formally serve us with a subpoena); when we believe it is needed for fraud protection and/or credit risk reduction; and/or whenever we believe that disclosing such information is necessary or advisable, for example, to protect the rights, property, or safety of us or others. We also reserve the right to report to such entities any activities that we believe to be unlawful. Any report of such activities will be made without prior notice to you, and you consent to such disclosure by us.
We implement security measures to maintain the safety of your personal information when you enter or submit your personal information. We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to protect your personal information and we make all commercially reasonable efforts to do so, we cannot guarantee the security of any information you transmit to us, and you provide such information at your own risk. Once we receive your personal information, we make our best efforts to ensure its security on our systems. You agree that Lifeinsurance.net is not liable for any breach of security due to its actions or inactions, or those of any third party host.
The Services are provided “as is”, and include free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and related financial decisions. Most information provided through the Services is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.
We are a licensed insurance broker. The Services also include formal quoting, brokering, and transacting of first party insurance products, as well as third party insurance products, brokers, and carriers (the “Third Party Providers”) in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. By submitting your information to Lifeinsurance.net through the Site or the Services, you provide your affirmative consent that Lifeinsurance.net and the Third Party Providers may collect, use, rent, share, or otherwise disclose any information submitted or collected through the Site or the Services; that Lifeinsurance.net and the Third Party Providers may contact you via any contact method you provide, including email and telephone; and that Lifeinsurance.net may disclose your contact information to the Third Party Providers, and that such Third Party Providers may contact you via commercial email, telephone, or any other communication method, irrespective of any prior registration on the National Do Not Call Registry. You hereby consent to receive auto-dialed and/or pre-recorded telemarketing calls from or on behalf of Lifeinsurance.net and the Third Party Providers at the telephone number you provide. You understand that consent is not a condition of purchase or receipt of services.
Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The Third Party Provider insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.
Accounts are protected by passwords and pins. You are solely responsible for the confidentiality of your password, as well as for any use of the Site or any of the Services made using your password. Your password should only be used by you, and you should not share your password with any third party. We reserve the right to delete or change any password at any time and for any reason upon notice to you. We reserve the right to issue a pin to log in to your account.
The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the “Content.” The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licensors. Moreover, the organization and design of the Site are the property of Lifeinsurance.net and are protected worldwide by copyright laws and treaty provisions.
You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.
YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT. FURTHER, IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE, THE SERVICES, AND ANY CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT, OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, THE SERVICES, OR ANY CONTENT IS TO STOP USING THE SAME.
MANY INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD PARTY PROVIDER PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE THIRD PARTY PROVIDERS. YOU ACKNOWLEDGE THAT WE ARE NOT AFFILIATED WITH ANY THIRD PARTY PROVIDERS THAT YOU MAY LINK TO THROUGH THIS SITE. YOU EXPRESSLY AGREE TO INDEMNIFY US FROM ANY CLAIMS THAT YOU MAY HAVE AGAINST A THIRD PARTY PROVIDER THAT YOU LINKED TO OR ACCESSED THROUGH THE SITE.