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.
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.
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.
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.
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.
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.
– Are responsible for content that you post to our services and assume all risks of posting.
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.
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
Web browser cookies & IP Address
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.
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.
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.
Any rights not expressly granted herein are reserved.
Insurance policies are subject to underwriting guidelines. Policies are not available in all states.
Information You Disclose to Third Parties
Links to Third-Party Website
Third party Widgets and Plug-ins
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.