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Privacy Policy
The information we receive from you is used to provide you with a quote or
application for insurance coverage. The insurance company uses the information
to determine the insurability of each applicant. If you provide any personally
identifying information to us, we want you to understand the following: |
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Why We Collect Your
Information
We collect your information to prepare insurance quotes, to complete the
application process online, to contact you during the application process, and
to make special offers to you related to insurance products and services. |
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How We Use Your Information
Your Choice: We may use information you provide on this website to provide
insurance information to you, and we may provide the information to third
parties whom we consider to be trustworthy with the intent that they provide
insurance information to you. Both us, and the third parties, may use this
information for the purpose of offering additional products and services to
you. If you do not wish to receive offers for additional products or services,
you should not provide personal information or contact information through this
site. Also, if you do provide personal information or contact information, you
may review Section VII. 4., below, which provides you with an opportunity to
opt-out of receiving special offers from Efinancial (but not our trust
partners).
Insurance Quote Form: Our site features
a brief form you complete to view rates from various insurance companies. If
you provide contact information such as your email or phone number, we view
this as your express invitation that we contact you about insurance even if you
are on the state or federal "Do not Call" list.
Insurance Application Request Form: Our
Insurance Application Request Form allows you to request an application online
for insurance coverage. This form collects additional contact, medical and
lifestyle information that is required whenever you buy life insurance.
When you buy a policy through Efinancial.com,we
act as agent for the insurance company to which the application is sent. We
provide customer information which you provide to us, to the insurance company,
as it may require to process the application and service the policy, and we may
use such information to offer other products or services to you, our customers.
How insurance carriers use your information - Eventually,
we'll submit all information we gather during the application process to the
insurance company you selected. Insurance companies use personally identifiable
information to determine your final insurance eligibility and rates. Insurance
underwriting criteria may vary for each participating insurance company, and
each company may place different emphasis on different information on your
application.
Cookies - A cookie is a small text file saved
on your computer's hard drive and stored in memory while your browser is
running. Cookies make it easier for a user to navigate the Web, and to complete
transactions over the Internet. Usage of a cookie is in no way linked to any
personally identifiable information while on our site. Efinancial.com may
contract with certain partners that utilize ad-serving technology. To gauge the
effectiveness of advertisements, a campaign number is assigned to the vendor
for which you came to visit our site. This will remain on your URL when you
return to our site.
Sale of Assets of Sale of Efinancial - If in the future, Efinancial, or
substantially all of its assets are acquired, the information we collect
through this website from you or other customers, will likely be transferred to
the acquiring party.
Except for the purposes described in this Privacy Policy, or as required or
permitted by law, we do not disclose customer information to others,
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How We Communicate With You
Contact by telephone to verify information and
to assist you with your life insurance application request or policy.
Contact by email to verify information, to
assist you with your life insurance application request or policy, to conduct
surveys, and to provide you with additional insurance information, service
announcements, special offers or other money saving opportunities.
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Choices You Have Regarding Your
Information
Quote Request and Application Request Forms -
Your decision to provide personal contact or medical information is strictly
voluntary and will not prevent you from receiving a quote for life
insurance. You may call us TOLL FREE at 888.500.TERM, and we will be happy
to quote insurance rates and complete your application request by telephone.
If you elect to provide personal or contact information through this site,
Efinancial may use or disclose the information you provide to our trusted
partners, and Efinancial, or our trusted partners, may use the information to
send relevant offers to you which we, or our partners, believe would be of
interest to you. If you wish to opt-out from receiving any offers from
Efinancial, Please Visit this link Opt
Out Or Send an email Request to Unsubscribe@Efinancial.com.
Please note, that even if you select to Opt Out after providing your
information through this site, our trusted partners may still contact you. As
such, if you do not wish to be contacted, do not provide any personal contact
information through this site.
Email Notifications- Efinancial may use or
disclose information gathered from the site in order for Efinancial or
its partners to send relevant offers we believe would be of interest to you. If
you wish to opt-out from receiving any special offers from Efinancial.com and
its partners,
Cookies - You may elect to disable cookies in your browser. Please refer to
your computer or operating system user manual for information on how to disable
cookies.
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Information Release
Unless you give us permission to do so, or unless law requires us, we do not
willfully use or disclose personally identifiable information to third parties
for any purpose other than described above.
We have security provisions in place to protect your information; however, no
security system is impenetrable. If you feel uncomfortable submitting any
personal information through the Efinancial.com website, you may call us at
866-703-2332 and obtain Free Life Insurance Quotes over the phone.
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How to Change Your Information
If you have received a communication from us in error, or if you wish to change
your information, please email us at help@Efinancial.com. We'll respond to your
inquiry via email, and we'll let you know the action we've taken.
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Changes to Efinancial's Privacy
Policy:
We reserve the right to change our privacy policy, and if so, we will post
these changes to this privacy statement and to other relevant places on our
site so that visitors are aware of the change. We encourage you to check this
posted privacy statement for updates. When changes are made, we will post the
last date on which the privacy policy was changed below. In addition, you may
request the prior version of the privacy policy by emailing us at
help@Efinancial.com and requesting the last version of the privacy policy prior
to the most recent change.
Last Date Changed Was: December 10, 2007
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Efinancial's Marketing Practices
Efinancial.com works with advertising companies and other marketers to promote
our service. We take every possible step to insure that every company
advertising for us is doing so on a legal and ethical basis. We do not
participate or tolerate any SPAM or Unsolicited Emailing of any kind. We have a
ZERO tolerance policy for SPAM and unethical marketing practices. Before
working with any advertiser we take every possible step to make sure their
email lists have all been generated by people opting in to receive their offer
and that they maintain a "Remove List". If you believe that you have received
one of our emails and you did not "Opt In" to receive the company’s offers then
please forward the email to marketing@Efinancial.com and we will take immediate
action to resolve the matter.
If you ever have questions about our privacy policy, please email us at
help@Efinancial.com. We take your privacy very seriously.
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| For Customer Service Call Toll Free 1-866-765-4296 |
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Invitations for application for
life insurance on Efinancial.com are made through Efinancial, LLC or
through its designated agent, Michael W. Rowell, only where licensed and
appointed. License numbers are available upon request and are
automatically provided where required by law. Michael Rowell is a licensed
life
insurance agent in all 50 states, including the District of Co.umbia and,
his residnet state of Washington. Michael W. Rowell's Washington license number is
150354; in California, 0C83033; in Louisiana, 265202; in Minnesota, 20234878; in Utah, 126919;
in Massachusetts, 1757436; and in Texas, 1001041. Efinancial, LLC's California
license number (d/b/a Efinancial Term Insurance Services) is 0F37537; in Louisiana,
323680 and in Utah, 104501.
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