August, 19 2017

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Life insurance reviews, news and prices from the top companies

Privacy Policy/Your California Privacy Rights

Privacy Policy/Your California Privacy Rights
The material Information presented on this Site is intended for informational purposes and should not be misconstrued as personal, financial or legal advice. This privacy policy is for all information “online” web and mobile devices and mobile sites. Laws, rates, and guidelines are always changing and subject to those terms. While all efforts are made to make accurate information, it may not be appropriate for your specific circumstances. The information in this Site is provided “AS IS” “WITH ALL FAULTS”. Example premiums should not be mistaken as a guarantee to you. Individuals should always seek counsel from an appropriately licensed insurance agent on the matter of life insurance, for any current tax and legal guidance please consult with an accountant or attorney.  TopLifeInsuranceReviews.com and its owners are not liable for any damages or losses of any kind directly or indirectly from any use of or defect in the information contained in this site. You assume all risks concerning the suitability and accuracy of the information within the site and its publications.

Privacy Policy
In using TopLifeInsuranceReviews.com, you are subject to your compliance with the terms and conditions set forth below. Please read this document carefully before accessing or using the site. By accessing or using this site, you agree to be bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not access or use this site.
This Privacy Policy governs the manner in which TopLifeInsuranceReviews.com collects, uses, maintains and discloses information collected from users (each, a “User”) of the TopLifeInsuranceReviews.com website (“Site”).

Copyright, Licenses
The entire contents of this site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are TopLifeInsuranceReviews.com and its owners, its affiliates or other third party licensors. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute, in any manner the material on this site, including text, graphics, code. You may print and download portions of material from the site solely for your own non-commercial use, provided that you agree not to change or delete any copyright or proprietary notices from the materials.

Trademarks
Publications, content or services referred herein or on this site are the exclusive trademarks or service marks of TopLifeInsuranceReviews.com and its owners. Other product and company names mentioned on the site may be the trademark or service marks of their respective owners.

If you believe that Content on the Services violates your copyright, please send us a notice of the violation using the following contact information:

Your notice must include:
a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;

identification of the material that is claimed to be infringing or to be the subject of infringing activity and information reasonably sufficient to permit us to locate the material;

information reasonably sufficient to permit us to contact the complaining party;

a statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Upon receipt of a notice of claimed infringement that satisfies these requirements (or any statement in conformance with 17 U.S.C. § 512(c)(3)), we will act expeditiously to remove or disable access to any Content that is claimed to be infringing upon the copyright of any person under the laws of the United States and will terminate the access privileges of those who repeatedly infringe on the copyrights of others. United States law imposes substantial penalties for falsely submitting a notice of copyright infringement.

Requests for Quotes and Services from Requested Service Providers

Certain portions of this Site may allow you to request a quote, services or information from one or more third parties, such as insurance providers (“Requested Service Providers”).  If you provide your personally identifiable information on the Site and request a quote, services or information from Requested Service Providers (e.g., by clicking “Submit” or “get your quotes”) (a “Request”), we may share, loan, rent or sell your personally identifiable information to our affiliates, Requested Service Providers that we match with your Request, your current provider, or to other third parties that may match you with a Requested Service Provider.  In addition, the Requested Service Providers and such third may further disclose, share and use any personally identifiable information provided by you in connection with your Request.  If you make a Request, you expressly consent to such disclosure and use of your personally identifiable information.  If you do not want your personally identifiable information shared as described above, then you should not submit a Request. 

IF YOU SUBMIT A REQUEST, REQUESTED SERVICE PROVIDERS MAY CONTACT YOU DIRECTLY WITH QUOTES VIA TELEPHONE, FAX, AND EMAIL.  YOU MAY RECEIVE TELEMARKETING CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST ON THIS SITE, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY. 

Again by receiving a quote from this site you agree to this site’s Privacy Policy.  When receiving a quote you consent to receive offers of insurance from emails or telephone calls or SMS or MMS messages from partner agents at the email address and or telephone given.  Also, the numbers could be dialed using automated technology.  If you have any questions please contact us.

TopLifeInsurancereviews and its owners are not providing or soliciting insurance as a producer. TLIR is not responsible liable for any losses, costs, damages or claims in connection with or arising from, or related to, information on this site or from a third party that may offer insurance or other services.  If you do not agree to those terms please leave this site.

If you are matched with Requested Service Providers, you expressly consent to the Requested Service Providers conducting any research necessary to provide you with quotes for your Request.  Requested Service Providers may need to share your personally identifiable information to conduct such research.  As an example, if you request insurance quotes, consumer reports may be ordered in connection with your insurance application.  Such reports may provide information that may assist in determining eligibility for insurance and the price you may be charged for insurance.  Consumer reports may also be used for updates, renewal or extensions of this insurance.  In addition, insurance companies may use third parties in connection with the development of a “insurance score” for you.  If you do not want Requested Service Providers to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.  TopLifeInsuranceReviews.com and its owners are not liable for any damages or losses from services provided by third party companies.  Any issues or problems should be addressed with them and not this site or it’s owners.  If you do not agree with this please do not use this site.  If you have any problems with a third party service or company you found on this site please let us know and we can address it with them but we are not in any way responsible nor to be held liable for their actions.

Please note that if you submit a Request on this Site and we share your information as described above in connection with your Request, you will not have the opportunity to opt out of the disclosure of your information in connection with that Request.

Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Device Information

Your wireless provider may charge for use of mobile features and we are in no way responsible for any charges you incur. When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time.  We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.

Your Consent:

By using our Site you consent to our collection and use of your personal information as described in this Privacy Policy. By submitting a quote request, you authorize the Site to provide your information to insurance agents, both local and national, and to our third party agent networks. You authorize these Providers to share your information with their vendors, suppliers, and insurance carriers in order to generate information for your quotes.

User Submitted/Generated Content:

-Must be at least 18 years old (with some limited exceptions)

-Must not initiate or participate in any activities on our services that are illegal, harmful, or interfere with anyone’s use of our services, including the sending of e-mail or instant messaging spam.

–  May post content that you create or have been given permission to post by the owner, is legal, and doesn’t violate the Privacy Policy.

– Are responsible for content that you post to our services and assume all risks of posting.

You are responsible for any content, including personal information, that you contribute to be published or displayed (“posted”) on this Site, or that you transmit to other users of this Site (collectively, “User Generated Content”).  Your User Generated Content is posted on and transmitted to other users of this Site at your own risk.  We cannot control the actions of other users of this Site with whom you may choose to share your User Generated Content.  We can also not responsible for circumvention of any privacy settings or security measures contained on this Site.  As a result, we cannot and do not guarantee that your User Generated Content will not be viewed by unauthorized persons.  You understand and acknowledge that, even after removal, copies of your User Generated Content may remain viewable in cached and archived pages, or might have been copied or stored by other Site users.  Proper access and use of information provided on this Site, including User Generated Content, is governed by our Terms of Use.

We may refuse or remove a User Submission without notice to you. However, we have no obligation to monitor User Submissions, and you agree that neither we nor our parent, subsidiaries, affiliates, employees, or agents will be liable for User Submissions or any loss or damage resulting from User Submissions.

Except as provided in the Privacy Policy, we do not guarantee that User Submissions will be private, even if the User Submission is in a password-protected area. Accordingly, you should not provide User Submissions that you want protected from others.

You represent and warrant that you have all rights necessary to grant to TopLifeInsuranceReviews.com the license above and that none of your User Submissions are defamatory, violate any rights of third parties (including intellectual property rights or rights of publicity or privacy), or violate applicable law.

INFORMATION TRANSFER AND SHARING POLICY

When you provide personally identifiable information to us, you do so for the purpose of our sharing this information with Providers to provide you with the quotes you requested and this information then becomes subject to each Provider’s own privacy policy (if any). Federal and state laws provide limitations on the information practices of financial institutions such as insurance companies. Providers and others to whom we may forward your personally identifiable information may contact you with a quote by email, telephone, postal mail, or other forms of communication as permitted by law and you agree to receive such contacts when you submit your information, regardless of the presence of your phone number(s) on any local or national no-call or similar no solicitation list. Please understand that because we are in the business of helping consumers and Providers identify one another, if you are a consumer and you do not permit us to share your personally identifiable information with a Provider, we will be unable to assist you and certain of our services and offerings will be unavailable to you. We expect our Providers to whom we forward your information to follow applicable laws.

Web browser cookies & IP Address
Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

To prevent plagiarism, spam and unnecessary comments we monitor the ip addresses of the users who visit this site.  At our discretion we can block uses from this site who we feel fit into one of those categories.  If you do not agree to those terms please exit our site.

How we use collected information

TopLifeInsuranceReviews.com may collect and use Users personal information for the following purposes:

-See section above on Requests for Quotes and Services from Requested Service Providers
-To follow up on a quote request; To make sure the quote you requested was accurate and answer any questions.
– To improve customer service; Information you provide helps us respond to your customer service requests and support needs more efficiently.
– To personalize user experience; We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
– To improve our Site; We may use feedback you provide to improve our products and services.
– To process an application; If you request an application we may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
– To send periodic emails; We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests. The emails may include news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

Third party websites
Users may find content on our Site that link to the sites and services of our partners, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Changes to this privacy policy
TopLifeInsuranceReviews.com has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

No Warranties
This site does not make any representation or warranty concerning errors, omissions, or other defects in the information supplied to users, or that its files are free of viruses, worms, Trojan horses or other code that could include contamination characteristics.

Limitation of Liability
In no event shall TopLifeInsuranceReviews.com, its owners agents and employees, be liable for any incidental, indirect, punitive or consequential damages, including but not limited to, loss of profits, loss of use, loss of data or information, business interruption, or any other damages whether in an action of contract, negligence or other tortious action, arising out of or in connection with the available, use, reliance on or inability to use information from this site. In doing so, you agree that you are waiving voluntarily and unequivocally any liability of TopLifeInsuranceReviews.com. Please note that some jurisdictions may not allow the exclusion or limitation, thus some of the above may not apply to you.

Indemnification
You agree to indemnify, defend and hold harmless the TopLifeInsuranceReviews.com and its owners and any third party to the service from and against all losses, expenses, damages, and costs, including reasonable attorney’s fees, resulting from any violation of this agreement (including negligent or wrongful conduct) by you or any other person accessing this site.

Miscellaneous
Any dispute, claim or issue of any kind in connection to this site or relating to these terms shall be resolved exclusively by arbitration in San Diego, California, in accordance with the rules of The American Arbitration Association. TopLifeInsuranceReviews.com com and its owners may assign its rights and duties under this agreement to any party at any time without notice. These terms of use and the application of these provisions, disclosures and disclaimers and all other matters arising from your use of this Site or any information you obtain form this site shall be governed by the laws of the United States of America.
Any rights not expressly granted herein are reserved.
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us by using the contact page tab.

Product Restrictions:
Insurance policies are subject to underwriting guidelines. Policies are not available in all states.

Information You Disclose to Third Parties

You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with this Site.  All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties.  We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them.  If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

Links to Third-Party Website

This Site, as well as the e-mail messages sent with respect to this Site, may contain links to websites operated by third parties that are beyond our control.  For example, if you click to apply for a product on this Site, you may be linked to a third-party website to complete an application.  Links to third parties from this Site are not an endorsement by us of such third parties, their websites, their products, their services, or their practices.  We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties or third-party websites. These third-party websites may send their own cookies to you and independently collect data.  If you visit a website that is linked from this Site or our emails, we encourage you to read any privacy statements and terms and conditions of that third party’s website before providing any personally identifiable information.  If you have a question about the terms and conditions, privacy policy, practices or contents of a third party or a third party website, please contact the third party directly.

Third party Widgets and Plug-ins

Our Web site includes Social Media Features, such as the Facebook Like button, links to our various social media pages and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Action of this Site in the United States

This Site is operated in the United States.  If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States.  By using this Site or providing us with your information, you consent to this transfer.

SPECIAL NOTIFICATION FOR CALIFORNIA RESIDENTS – YOUR CALIFORNIA PRIVACY RIGHTS
Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes.  Such requests must be submitted to us using the contact tab.

California privacy rights requests must include the reference “Request for California Privacy Information” on the subject line and in the body of the message and must include the e-mail address for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified in this paragraph.

Questions:
If you have questions regarding this Privacy Policy or any other questions or complaints, please contact us and we will endeavor to respond to your request within a reasonable period of time.

2/16/2014