Privacy Policy

Last updated: May 4, 2020

PromiseLifeInsurance.com values your privacy. This Privacy Policy does not apply to web sites maintained by other companies and organizations to which we link or which link to us. This Privacy Policy will be updated from time to time, and the most updated version can always be found at this URL.

PromiseLifeInsurance.com is dedicated to ensuring the security and quality of your visit. The policy below explains how we collect, use, disclose, and secure your information.

PromiseLifeInsurance.com is not a licensed insurance carrier. Any information that you provide us with does not pre-qualify you for insurance.

INFORMATION WE COLLECT AND HOW IT’S USED

We collect information automatically, as well as when you choose to provide it to us.

INFORMATION YOU PROVIDE

The information we collect when you choose to provide it to us could include the following: name, birth date, address, telephone number, e-mail, insurance amount, estimated financial information such as debts, salary, credit, etc., and, in select cases, a Social Security number.

You may provide this information to us in the following situations (for example):

To share with insurance agents, carriers, or carrier partners for the purpose of receiving information about a service or product
To ask a question or seek additional information
To share your comments or feedback about our site
To register to receive communications from PromiseLifeInsurance.com and/or its third party affiliates and partners
To receive information about partnering with us as an affiliate, insurance carrier, etc.

We will use this information for any purpose, including but not limited to, the following:

To process your insurance or coverage request
To share with our partners, affiliates, and clients for the purpose of sending you information about a product or service in which you have expressed interest or in which we believe you may be interested
To send communications that you have requested from PromiseLifeInsurance.com and its subsidiaries, partners, affiliates, clients, and other third parties
To receive information about partnering with us as an affiliate, insurance agent, etc.
To improve or customize the content and/or layout of our web pages
To contact you when necessary
To send you related information which we think you might be interested in

By agreeing to these terms, you hereby consent to disclosure of any record or communication to any third party where PromiseLifeInsurance.com, in its sole discretion, determines the disclosure to be appropriate.

By requesting a quote you expressly consent to be contacted via email or phone by PromiseLifeInsurance.com, its partners, affiliates, subsidiaries, and clients. You understand that the insurance companies or their agents or partner companies may confirm your information through the use of a consumer report, which may include your credit score and driving record.

INFORMATION AUTOMATICALLY COLLECTED

When you visit our site, we collect information about your browsing. This may include information such as your browser type, IP address, and computer operating system. We collect this information using technologies such as cookies and web beacons, including from e-mails and ad banners. We also collect aggregate information on what pages visitors access and how long they stay on each page. We use this information to improve our marketing and promotional activities, to analyze our site usage, and to customize our site to better meet the needs of our site visitors.

INFORMATION COLLECTED BY GOOGLE

This site uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help analyze how users use the site. The information generated by the cookie about your use of the site (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the site, compiling reports on site activity and providing other services relating to site activity and internet usage.

Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse cookies by selecting the appropriate settings on your browser; however, please note that if you do this, you may not be able to use the full functionality of this site. By using this site, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

You can opt out of Google Analytics by using the browser Add-on. (https://tools.google.com/dlpage/gaoptout/)

You can opt of Google Ads by changing the appropriate settings here. (http:// www.google.com/settings/ads)

Google Analytics Terms of Service can be found here. (http://www.google.com/analytics/terms/us.html)

INFORMATION COLLECTED BY TWITTER AND FACEBOOK

PromiseLifeInsurance.com works with Twitter and Facebook to collect user data through their websites for purposes of conversion tracking and serving ads targeted to users’ interests.

Twitter utilizes a Do Not Track Functionality that allows users to opt-out of interest based advertising. To opt-out, adjust your Twitter account settings here. (https://support.twitter.com/articles/20170405)

You can opt-out of interest based advertising through Facebook here. (http://www.aboutads.info/choices/)

INFORMATION SHARING AND DISCLOSURE

PromiseLifeInsurance.com may use your personal information for any purpose in its sole discretion as outlined herein. We may share your personal information with selected third parties to offer you products or services that we think may interest you. For example, we may make your e-mail address available to other organizations whose products or services we think you might find interesting. If you supply us with your postal address online, you may receive periodic mailings from us. You may also receive mailings from other reputable companies. If you do not want us to share your e-mail address or postal address with other companies or organizations, please let us know by following one of the options described in the Opt-Out section below.

We may also disclose your personal information in compliance with applicable laws and/or if we are responding to subpoenas, court orders, or other legal processes.

THIRD-PARTY ADVERTISING

Third-party advertising companies may serve ads on our site. These third-party advertising companies may employ cookies and/or web beacons to measure and improve the effectiveness of ads for their clients. To do so, these companies may use information about your visits to our site and other websites. This information can include: date and or time of banner ad shown, the specific banner ad that was shown, cookies, and the IP address. This information can be used for online preference marketing purposes.

TESTIMONIALS

While testimonials on this site are intended to reflect actual health insurance consumer experiences, they may have been created or modified to fit the needs of the site.

CALIFORNIA PRIVACY NOTICE

This California Privacy Notice (“Notice”) is for California residents and supplements the information contained elsewhere in our Privacy Policy. It explains how we collect, use, and share your Personal Information (as defined below) and how to exercise your rights under the California Consumer Privacy Act (“CCPA”).

The CCPA defines “Personal Information” to mean “information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household”. Personal Information does not include information that is aggregated or information that cannot be reasonably linked to you.

How We Collect, Use, and Share Personal Information

To provide the products or features offered by our site, we must process information about you, including Personal Information, and we may sell, share, and use your Personal Information to respond to your request and for business purposes. For example, if you request information about an insurance product or an alternative product, your Personal Information may be shared with third-parties who can follow-up on your request. The best way to limit the collection, use, sale and sharing of your Personal Information is not to provide it.

Here is a summary of the Personal Information we may have collected about you over the past 12 months, depending on how you may interact with this site, as well as how we use it and with whom we may have shared it.

Categories of Personal Information we collect:

Examples of the business or commercial purpose for collecting or selling Personal Information include:

Parties with whom your Personal Information may be shared for a business or commercial purpose include:

Parties to whom your Personal Information may be sold include:

Information collected automatically:

●Identifiers, such as online identifiers and IP addresses;

●Internet or other electronic network activity information, including your device, browser, or operating system type, and content you view or engage with;

Information collected if you expressly provide it:

●Identifiers, such as name, address, phone number, email address, and Social Security number;

●Professional or employment-related information;

●Education information;

●Categories of personal information described in Cal. Civ. Code § 1798.80(e), including health information;

●Commercial information, including financial information and your interest in certain products or services (e.g., interest in insurance);

●Characteristics of protected classifications under California or federal law, if you choose to provide it, such as age;

Information collected automatically:

●Provide, personalize, and improve our site and products;

●Provide measurement, analytics, advertising, quality assurance and other business services.

Information collected if you expressly provide it:

●Communicate with you, validate your information, follow-up on your request, and to perform other similar business purposes.

Information collected automatically:

●Service providers that help us provide, personalize and improve our site experience (e.g., hosting companies and web analytics firms);

●New owners in the event of a change of ownership or control of all or part of our products or their assets;

Information collected if you expressly provide it:

●Software service providers, database software providers, telephony software providers or other similar service providers.

●For all types of information, we may share with law enforcement or other third parties in connection with legal requests.

Information collected automatically:

●This information is not sold to third parties, unless you provide express consent.

Information collected if you expressly provide it:

●Third parties such as insurance companies, insurance agents and brokers, insurance marketing firms, or others. Please see the following link for a list of representative organizations to whom your personal information may be sold.

Please note that we do not sell your information unless you expressly provide it to us. We also do not collect or sell Personal Information from minors under 16.

Sources of Information

The categories of sources from which we’ve collected or received Personal Information include:

You: We collect the information you provide when you visit our site, such as when you fill out a form on our website or call us directly. We also automatically collect information about your site activities.
Your device(s): We collect information from and about the computers, phones, connected TVs, and other web-connected devices you use to access our site.

How You Can Exercise Your Rights Provided Under the CCPA

Under the CCPA, you have the following rights:

Right to Know: You have the right to request that we disclose the Personal Information we have collected from and about you, and how we used or disclosed that information;
Right to Request Deletion: You have the right to request that we delete your Personal Information that we have collected from and about you;
Right to Opt Out of Selling: You have the right to request that we not sell your information; and
Right to Not Be Discriminated Against: You have the right to use the site even if you exercise one of the rights described above

To exercise your “right to opt out of selling”, “right to know” or your “right to request deletion,” click here or call (888) 441-0911.

Please note that to protect your information, we may need to verify your identity before processing your request. In some cases we may need to collect additional information to verify your identity, such as a government issued ID.

Under the CCPA, you may exercise these rights yourself or you may designate an authorized agent to make these requests on your behalf. We may request that your authorized agent have written permission from you to make requests on your behalf and may need to verify your authorized agent’s identity.

Contact For More Information

If you have additional questions about this Notice or how to exercise your rights under the CCPA, fill out the form here or call (888) 441-0911.

HOW TO OPT-OUT

If you would like to opt out of receiving email communications fromPromiseLifeInsurance.com, please click the “Opt Out” or “Unsubscribe” link in any past communications you have received from us or email us at privacy@PromiseLifeInsurance.com.

CHANGES TO PRIVACY POLICY

PromiseLifeInsurance.com may amend this policy from time to time, and we may use visitor information for new, unanticipated uses not previously disclosed in this privacy policy statement. If our Privacy Policy changes at some time in the future, we will post the changes prominently to our website at this URL and provide you with the ability to opt-out of these new uses. If you are concerned about how your information is used, you should check back to this page periodically.

CONTACT US

PromiseLifeInsurance.com can be contacted at 3450 Sacramento Street, #343, San Francisco, CA 94118.