Privacy Policy

This Privacy Policy does not apply to California residents. For California residents, please see Privacy Policy for California Residents

This Privacy Policy applies to this website (the “Site”), owned by Calibrant Digital (the “Owner”, “we” or “us”) and any other website owned by us or our affiliates. We strive to use commercially reasonable and acceptable means for internet protection of privacy but the transmission of information over the internet and methods of electronic storage of such information are not completely secure. Therefore, we cannot guarantee absolute security and do not represent or warrant that the information you submit on our Site will be absolutely secure. Any such submission through our Site is at your own risk. Access to the information you submit is strictly limited and not accessible to the public. The purpose of this Privacy Policy is to explain to each user of the Site and any other website owned by us or our affiliates (“you”), the categories of personal information to be collected by us and the purposes for which the categories of personal information will be used by us. We reserve the right to modify this Privacy Policy at any time and from time to time. Changes to this Privacy Policy will be posted on this Site together with the effective date of the changed Privacy Policy. This Privacy Policy is incorporated into and forms a part of the Terms of Use which governs your use of the Site.

ACCEPTANCE OF THIS PRIVACY POLICY

By using the Site, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, do not use the Site. We reserve the right, at our discretion, to change, modify, add or remove portions from this Privacy Policy at any time so you are encouraged to review this Privacy Policy from time to time. Your continued use of the Site following the posting of changes to these terms means you accept these changes. Should you have any other questions about our Privacy Policy please email us at privacy@yourlifeinsurancesource.com.

DEFINITION OF PERSONAL INFORMATION

For purposes of this Privacy Policy, the term “Personal Information”, except as otherwise indicated, means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device.

Personal Information does not include publicly available information.

PERSONAL INFORMATION WE COLLECT

You have the option to voluntarily provide Personal Information which we will collect. You can visit our Site without telling us who you are or revealing any information about yourself. We use cookies to track use of our Site and to track what sites you came from. We may collect Personal Information at different places within the Site and from other websites we own or utilize.

We may collect the following categories of Personal Information:

• Identifiers, including but not limited to, a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, or other similar identifiers
• Other Personal Information categories, including but not limited to a name, address, date of birth, telephone number, fax number, text message number, medical information or certain other similar information. Some Personal Information included in this category may overlap with other categories
• Protected classification characteristics under law, including but not limited to, age (over 40 years), gender or other similar characteristics
• Commercial information, including but not limited to purchasing or consumer tendencies
• Internet or other similar network activity, including but not limited to, browsing history and search history within our Site or other websites owned by us; information on a consumer’s interaction with a website and advertisement
• Inferences drawn from other personal information, including but not limited to, preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

SOURCES OF COLLECTION OF PERSONAL INFORMATION

We obtain the categories of Personal Information from the following sources:

• Directly from you, from the information you provide on this Site or other websites owned by us or our affiliates
• Indirectly from our customers and clients, or their agents, in the course of providing services
• Directly or indirectly from the activity on this Site or other websites owned by us or our affiliates
• From third parties that interact with us in connection with the services we perform

USE OF PERSONAL INFORMATION

We may use or disclose the Personal Information we collect for one or more of the following business or commercial purposes:

• To fulfill or meet the reason for which the information was provided
• To provide you with information, products, or services that you request from us and as set forth in our Terms of Use
• To monitor traffic to this Site
• To monitor the safety, security, and integrity of this Site and our business and meeting requirements of applicable law or regulations
• For marketing services
• To match Personal Information collected from you through different means or at different times and use such Personal Information, along with information obtained from other sources, including third parties
• As otherwise set forth in our Terms of Use

DISCLOSURE OF PERSONAL INFORMATION TO OTHER PARTIES

We may disclose your Personal Information to the following categories of other parties for a business purpose or for a commercial purpose:

• Our affiliates
• Service providers
• Advertisers, analytics companies and other third parties with whom we have business relationships
• Our network of insurance companies, agents, brokers, discount program representatives, lead aggregators and other third party companies (“Third Party Companies”) who may contact you by telephone, including automatic telephone dialing system, by artificial pre-recorded message, by text message, by mail or by email or other form of communication
• Government regulators
• Our legal advisors and other parties involved in the legal process

CHILDREN’S PRIVACY

We place the highest value on the privacy of children. This Site is not developed for or directed at children. Persons under the age of 18 years (or the applicable age of majority in your jurisdiction if greater than age 18) and/or unable to enter into a legally binding contract are not eligible to do business with us.

OTHER INFORMATION

By submitting any Personal Information to this Site, you fully understand and unconditionally consent to the transfer of such Personal Information to, and the collection and processing of such Information in the United States by Third Party Companies and are authorizing Third Party Companies to contact you directly by telephone, including automatic telephone dialing system, by artificial pre-recorded message, by text message, by mail or by email or other form of communication, regardless of the presence of your phone number(s) on any local or national do not call list.

COOKIES

Upon visiting this Site, we may place a text file called a “cookie” in the browser files of your computer. The cookie will enable us to relate your use of this Site to information that you have specifically and knowingly provided. The only Personal Information a cookie can contain is information that you yourself supply. A cookie cannot read data off your hard disk or read cookie files created by other websites that are not owned by us. We may use cookies to track user traffic patterns (as described above) and to reengage you as you surf the internet (i.e. remarketing). You can refuse cookies by turning them off in your browser. If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. Some of our features and services may not function properly if your cookies are disabled.

LINKS

The Site may contain links or references to other websites outside of our control for your convenience and the presence of such links does not imply our approval or endorsement of such websites. Since we have no control over these websites, our Privacy Policy does not apply to such websites.

CONTACT US

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your information described, your choices and rights regarding such use, please contact us as provided below:

Email at info@yourlifeinsurancesource.com, call at 212-983-0020, write at Your Life Insurance Source, 19 W. 44th Street, Suite 1415, New York, NY 10036

This Privacy Policy is effective on September 19, 2016 and was last updated on October 1, 2021.