Privacy Policy

This Privacy Policy applies to yourlifeinsurancesource.com (the “Site”), owned by Calibrant Digital (the “Owner”, “we” or “us”). 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 and we therefore cannot guarantee absolute security. Therefore, we 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 (“you”), the type of information we obtain from you, how we gather such information, how we use such information, and how we restrict the use or disclosure of personally identifiable information. 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.

COLLECTION AND USE OF NON-PERSONALLY IDENTIFIABLE INFORMATION AND PERSONALLY IDENTIFIABLE INFORMATION (COLLECTIVELY THE “INFORMATION”)

You have the option to voluntarily provide Information which we will collect. This means that 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 Personally Identifiable Information from you at different places within the Site. For purposes of this Site, Personally Identifiable Information includes any information that may be used to specifically identify or contact you, such as your name, date of birth, gender, mailing address, telephone number, cellular phone number, text message number, fax number, email address, smoker or non-smoker, weight, health condition, driving history, etc. Certain information may not be Personally Identifiable Information when standing alone, but may become so when combined with other information (e.g., your age and address).

 

Any Information voluntarily provided by you to us will be used in the course of our business and as otherwise set forth herein and in our Terms of Use. For example, such Information may be used so you can receive information about products and services which may be of interest to you, as set forth in our Terms of Use. We may match Information collected from you through different means or at different times and use such Information, along with information obtained from other sources, including third parties.

SHARING OF PERSONALLY IDENTIFIABLE INFORMATION

We may share Personally Identifiable Information you voluntarily provided to us with our network of insurance companies, agents, brokers, discount program representatives, lead aggregators and other third party companies (each a “Third Party Company” and collectively “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. We are not responsible and shall not be liable if any Third Party Company to whom we shared your Personally Identifiable Information violates our Privacy Party or its own privacy policy, if any.

We may also share and reserve the right to disclose (as set forth in more detail in our Terms of Use) the Personally Identifiable Information you voluntarily provided to us when we believe such action is necessary to (i) fulfill an enforceable governmental request or otherwise conform with the requirements of law or legal process, (ii) protect or defend our legal rights or property, the Site, our employees or others, (iii) in response to an investigation of fraud or illegal activity regarding a specific user of the Site, even without a subpoena, warrant or court order, or (v) if we are involved in a merger, acquisition, or the sale of all or a portion of our assets, but such Personally Identifiable Information will be governed by this Privacy Policy unless you consent to a new Privacy Policy.

CHILDREN’S PRIVACY

We place the highest value on the privacy of children. We do not knowingly accept Personally Identifiable Information from children under the age of 13. 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.

RIGHT TO CONTACT BY TELEPHONE AND OTHER METHODS

By submitting any Information to this Site, you fully understand and unconditionally consent to the transfer of such 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.

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 Owner’s approval or endorsement of such sites. Since we have no control over these sites, our Privacy Policy does not apply to such sites.

YOUR 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 info@yourlifeinsurancesource.com.

YOUR PRIVACY RIGHTS FOR CALIFORNIA RESIDENTS

California Civil Code Section 1798.83 permits California residents who have provided Personally Identifiable Information to us to request certain information regarding our disclosure of such Personally Identifiable Information to Third Party Companies for their marketing purposes. Within thirty days of receiving such a request, which should be made to us at info@yourlifeinsurancesource.com, we will provide a list of the categories of Personally Identifiable Information disclosed to Third Party Companies for their respective marketing purposes during the immediately preceding calendar year, along with the names and addresses of those third parties and such other information required by law. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to info@yourlifeinsurancesource.com.

This Privacy Policy is effective on September 19, 2016 and was last updated on October 14, 2019.

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