We share it with, and what We do to protect it. By using this Site, You are
expressly consenting to the information handling practices described in this
Privacy Policy. If You do not agree with this Privacy Policy, do not use the
Site and do not submit any information to Us.
Information We Collect From You
The information We collect from You includes, but is not limited to: name,
age, gender, physical address, email address, phone number, household
information, income, marital status, and personal health information such as
medical history. We reserve the right, and the Site may collect from time to
time, any other lawful personal information about You, such as information
that will help us match products and services that may be of interest to
You.
The Site also collects and retains non-personal, technical information about
Your visit(s) to the Site, including, without limitation, the IP address
assigned to the computer You are using, the type of browser You are using,
Your location, time of visit, and the operating system Your computer or device
is using.
How We Use Your Information
We use Your personal information to match Your request for insurance
products and services with Our network of providers of insurance products
and services.
We may also use Your personal information for any other lawful purpose,
including, without limitation, sharingYour personal information with third
parties who may send You ads or marketing communications about their
products and offers which may be of interest to You.
By submitting Your information to Us, You are authorizing these third
parties to contact You through any lawful means, including, without
limitation, email, telephone (even if Your telephone number is on the do not
call list), text, or online ads, regarding their products and services. If
You subsequently desire that these third parties no longer contact You, You
will need to communicate Your request directly to them.
We may also share Your information with third-party contractors who provide
services to Us so that We can provide You with the Site and its various
services. These third-party contractors are prohibited from using the
information We provide for purposes other than performing services for Us. We
may transfer Your information to third parties that are involved in a
corporate merger or acquisition with Us.
The non-personal data that the Site collects is generally used in the
aggregate to analyze the ways in which the Site is used, and how We can
improve the user experience, and may be shared with third parties such as
advertisers, marketers, and other vendors who provide Us with services. We use
information about You and Your activities on the Site for research and
reporting purposes.
We may also disclose Your information to third parties when We reasonably
believe We are obligated to do so by law. We may also do so in order to
investigate, prevent, or take action regarding suspected or actual prohibited
activities, including, without limitation, fraud, situations involving
potential threats to the Site or the physical safety of any person, and
violations of any applicable law.
Cookies
We may use cookies, web beacons, and other tracking technologies to collect
information about You and Your interaction with the Site. We may also use
tracking technologies for interest-based advertising, as described below.
Typically, Our cookies will expire after 30 days. Most web browsers are set to
accept cookies by default, but You can usually change Your settings to reject
cookies. For more information about interest-based ads, see the
“Interest-Based Ads” section below.
Do Not Track
Most browsers have a “Do Not Track” functionality of Your web browser by
visiting the Preferences or Settings page of Your web browser. Because there
are currently no industry standards for Do Not Track signals and responses,
the Site is not designed to respond to the “Do Not Track” setting of Your
browser.
Interest-Based Advertising
We and Our third party partners may engage in marketing tactics, including
what is known as “interest-based advertising”. As described above, We and Our
partners may set a cookie on Your device and/or browser. Among other things,
this technology allows Us and Our partners to provide You with interest-based
or targeting advertising, that is, offers to products and services which will
be of interest to You based on websites You’ve visited, Your visit to this
Site, or other data or information which marketers may have about You. Such
tactics may include tracking Your use of a web service over time and across
different websites, in what is known as “retargeting”. Retargeting means that
after visiting the Site or other websites, marketers may deliver ads to You on
this or other websites. Marketers may track Your Internet usage across
websites and combine data from other sources to personally identify You.
For more information about interest-based advertising, please visit http://www.allaboutcookies.org/. To opt out of Your web browsing information being used in this manner,
please visit http://optout.aboutads.info. This opt-out process is managed and governed by industry self-regulatory
bodies such as the Digital Advertising Alliance (http://digitaladvertisingalliance.org/), not by Us. Note that in the opt-out process, You may opt-out of
interest-based advertising on a company-by-company basis, or You may opt out
of interest-based ads from all companies who have elected to participate in
the program. We do not participate directly in the program, however, Our third
party partners who may be showing You ads through Our interest-based marketing
efforts, such as Google, Inc., do participate. And, although some companies
may provide their own, direct opt-out mechanism, this Site does not currently
offer that option.
If You do elect to take advantage of this opt-out, please note that it
remembers Your preference by setting a cookie on Your device or browser.
Therefore, if You change computers or browsers, or delete cookies, You will
have to opt-out again for each of the companies You previously opted out of.
It is also important to note that opting-out of interest-based ads does not
mean that You will no longer receive advertising, nor will it prevent the
receipt of interest-based advertising from third parties that do not
participate in these programs. It will, however, exclude You from
interest-based advertising conducted through participating networks, as
provided by their policies and choice mechanisms.
Revoking Your Consent
If, after submitting Your personal information to Us, You subsequently decide
that You no longer want Us to retain and use Your personal information, please
email Us at Info@lifescoverage.com and We will use commercially reasonable efforts to delete Your personal
information which is no longer needed for our legal compliance purposes (for
example, some laws may require that we keep records of Our transactions
regarding Your Personal Information), and we will cease sharing your Personal
Information with third parties. However, please note that if We have shared
Your personal information with any third parties, You will have to contact
them directly with Your request to delete Your information. They may or may
not have policies which allow such actions; We do not have knowledge or
control their practices.
Opting Out of Email Marketing Communications
If We are sending you email marketing communications and You no longer wish Us
to send You those email marketing communications, please click on the
unsubscribe link in the email We send you or send Your opt-out request
to Info@lifescoverage.com and We will implement Your opt-out request within 10 business days.
Again, if We have shared Your email address with any third parties, You will
have to contact those companies directly. Please note that You cannot opt-out
of email communications that are not marketing in nature, that is, emails
which are used for administrative or technical communications.
Third Party Sites, Links, and Content Appearing on LIFECOVERAGE.com
The Site may contain links to, advertisements for, or other content from third
party sites and services which are operated by such third parties and not Us.
Such third parties’ practices and policies regarding the handling of Your
information may differ from Ours. While We endeavor to associate only with
reputable partners and third party sites, We are not be responsible for their
actions or policies. This Privacy Policy does not address any such third
parties. Please review their privacy policies directly.
Protecting Your Information
We use industry standard safeguards in storing and maintaining Your personal
information in a secure manner, and in transmitting Your personal information
to Our third-party partners in a secure manner. However, You understand and
agree the internet is not 100% secure. Please keep Your security software up
to date and always be cautious when sharing Your personal information.
Information Relating to Children
Only individuals 18 years of age or older have permission to use the Site. If
You are not at least 18 years old, do not use the Site. Any individual who
uses the Site or provides their information to Us represents that they are 18
years of age or older.
The Site is not intended for or directed at children under 13 years of age. We
do not knowingly collect personal information from children under 13 years of
age. If You are under 13 years of age, do not use this Site or provide Your
information to Us. If We discover that a child under the age of 13 has
provided Us with personal information, or that We have inadvertently collected
such information, We will promptly delete it from Our systems. However, third
parties which we have passed such information on to will still have such
information. If anyone believes that We have been provided with the personal
information of a child under the age of 13, please notify Us immediately
at Info@lifescoverage.com and we will use commercially reasonable efforts to promptly delete such
information. Please be advised, however, that such persons will also need to
contact third parties which We have shared such information with.
Your California Privacy Rights
Under California law, residents of California may request certain information
about Our disclosure of personal information during the prior calendar year to
third parties for marketing purposes. To request this information, please
contact Us at Info@lifescoverage.com
Changes to this Privacy Policy
We may make changes to this Privacy Policy at any time, for any or no reason,
with or without notice to You. Such changes may take place due to a change or
expansion in Our services or policies. As You use the Site, You are required
to periodically check this Privacy Policy for any changes. To assist You, We
provide Our Privacy Policy’s effective date at the top of this page. You are
responsible for reading and understanding this Privacy Policy, and Your
continued use of the Site or Our services following a change or update to this
Privacy Policy constitutes Your continued agreement and consent to the
practices described herein.
If You have any questions or comments regarding Our Privacy Policy,
please visit Us at Our “Contact Us” page.
Privacy Notice for California Residents
This Privacy Notice for California Residents supplements the
information contained in our privacy policy above and applies solely to all
visitors, users, and others who reside in the State of California (”consumers”
or “you”). We adopt this notice to comply with the California Consumer Privacy
Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning
when used in this notice.
Category
|
Examples
|
Collected
|
A. Identifiers. (Identifiers)
|
A real name, alias, postal address, unique personal identifier, online
identifier, Internet Protocol address, email address, account name,
Social Security number, driver’s license number, passport number, or
other similar identifiers.
|
YES
|
B. Personal information categories listed in the California
Customer Records statute (Cal. Civ. Code § 1798.80(e)). (Related
Information)
|
A name, signature, Social Security number, physical characteristics or
description, address, telephone number, passport number, driver’s
license or state identification card number, insurance policy number,
education, employment, employment history, bank account number, credit
card number, debit card number, or any other financial information,
medical information, or health insurance information. Some personal
information included in this category may overlap with other
categories.
|
YES
|
C. Protected classification characteristics under California or
federal law. (Characteristics)
|
Age (40 years or older), race, color, ancestry, national origin,
citizenship, religion or creed, marital status, medical condition,
physical or mental disability, sex (including gender, gender identity,
gender expression, pregnancy or childbirth and related medical
conditions), sexual orientation, veteran or military status, genetic
information (including familial genetic information).
|
YES
|
D. Commercial information. (Commercial Information)
|
Records of personal property, products or services purchased,
obtained, or considered, or other purchasing or consuming histories or
tendencies.
|
NO
|
E. Biometric information. (Biometric Information)
|
Genetic, physiological, behavioral, and biological characteristics, or
activity patterns used to extract a template or other identifier or
identifying information, such as, fingerprints, faceprints, and
voiceprints, iris or retina scans, keystroke, gait, or other physical
patterns, and sleep, health, or exercise data.
|
NO
|
F. Internet or other similar network activity. (Internet
Activity)
|
Browsing history, search history, information on a consumer’s
interaction with a website, application, or advertisement.
|
YES
|
G. Geolocation data. (Geolocation data)
|
Physical location or movements.
|
YES
|
H. Sensory data. (Sensory data)
|
Audio, electronic, visual, thermal, olfactory, or similar
information.
|
NO
|
I. Professional or employment-related information. (Professional
Information)
|
Current or past job history or performance evaluations.
|
NO
|
J. Non-public education information (per the Family Educational
Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part
99)). (Non-public Education Information)
|
Education records directly related to a student maintained by an
educational institution or party acting on its behalf, such as grades,
transcripts, class lists, student schedules, student identification
codes, student financial information, or student disciplinary
records.
|
NO
|
K. Inferences drawn from other personal information.
(Inferences)
|
Profile reflecting a person’s preferences, characteristics,
psychological trends, predispositions, behavior, attitudes,
intelligence, abilities, and aptitudes.
|
YES
|
Personal information does not include:
-
Publicly available information from government records.
-
De-identified or aggregated consumer information.
-
Information excluded from the CCPA’s scope, like:
-
health or medical information covered by the Health Insurance Portability
and Accountability Act of 1996 (HIPAA) and the California Confidentiality
of Medical Information Act (CMIA) or clinical trial data;
-
personal information covered by certain sector-specific privacy laws,
including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act
(GLBA) or California Financial Information Privacy Act (FIPA), and the
Driver’s Privacy Protection Act of 1994.
We obtain the categories of personal information listed above from the
following categories of sources:
-
Directly from you (e.g., via telephone, text message, email, website form
submission, etc.).
-
Publicly accessible sources (e.g., property records, public directories,
etc.).
-
Third parties (e.g., marketing vendors and social media, digital
advertising, and data aggregation businesses).
-
Indirectly from you (e.g., via cookies, digital trackers, analytics, and IT
and security systems).
Use of Personal Information
We may use, or disclose the personal information we collect for one or more
of the following business purposes:
-
To fulfill or meet the reason you provided the information. For example, if
you share
-
To fulfill the reason you provided the information (e.g., to match you with
an insurance agent, provide support, respond to an inquiry, etc.).
-
To market products and services to you (including by third parties with whom
we may share your personal information).
-
To personalize your website experience and to deliver content and product
and service offerings relevant to your interests, including targeted offers
and ads through our website, third-party sites and companies, and via email,
telephone, text message, or other means (with your consent as required by
applicable law).
- For other marketing purposes.
-
To help maintain the safety, security, and integrity of our website,
products and services, databases and other technology assets, and
business.
-
To evaluate or conduct a merger, restructuring, sale, or other corporate
transaction in which personal information is among the assets
transferred.
-
To investigate and prevent fraud and abuse of our website, products, and
services.
-
To comply with our legal and regulatory obligations.
- For other business purposes.
Sharing Personal Information
We may disclose your personal information to a third party for a business
purpose or sell your personal information, subject to your right to opt-out of
those sales (see Personal Information Sales Opt-Out and Opt-In Rights). When we disclose personal information for a business purpose, we enter a
contract that describes the purpose and requires the recipient to both keep
that personal information confidential and not use it for any purpose except
performing the contract. The CCPA prohibits third parties who purchase the
personal information we hold from reselling it unless you have received
explicit notice and an opportunity to opt-out of further sales.
-
Persons or companies that offer products or services on our websites
(Providers).
-
Marketing vendors and social media, digital advertising, and data
aggregation companies (Marketers).
-
Auditors, attorneys, consultants, professional service providers, etc.
(Professional Services).
-
Other parties with a legal interest (including private parties and
government or regulatory entities) (Legal Parties).
-
Other service providers we use to help provide our products or services
(Service Providers).
Disclosures of Personal Information for a Business Purpose
In the preceding twelve (12) months, we have disclosed for a business
purposeIdentifiers, Related Information, Characteristics, Internet Activityand
Geolocation Data to Providers and Marketers.
Sales of Personal Information
In the past twelve (12) months, we have disclosed for business purposes
Identifiers, Related Information, Characteristics, Internet Activity,
Geolocation Dataand Inferences to Professional Servicesand other Service
Providers.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights
regarding their personal information. This section describes your CCPA rights
and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you
about our collection and use of your personal information over the past 12
months. Once we receive and confirm your verifiable consumer request, we
will disclose to you:
-
The categories of personal information we collected about you.
-
The categories of sources for the personal information we collected about
you.
-
Our business or commercial purpose for collecting or selling that personal
information.
-
The categories of third parties with whom we share that personal
information.
-
The specific pieces of personal information we collected about you (also
called a data portability request).
-
If we sold or disclosed your personal information for a business purpose,
two separate lists disclosing:
-
sales, identifying the personal information categories that each category
of recipient purchased; and
-
disclosures for a business purpose, identifying the personal information
categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your personal information
that we collected from you and retained, subject to certain exceptions. Once
we receive and confirm your verifiable consumer request, we will delete (and
direct our service providers to delete) your personal information from our
records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary
for us or our service provider(s) to:
-
Complete the transaction for which we collected the personal information,
provide a good or service that you requested, take actions reasonably
anticipated within the context of our ongoing business relationship with
you, or otherwise perform our contract with you.
-
Detect security incidents, protect against malicious, deceptive, fraudulent,
or illegal activity, or prosecute those responsible for such activities.
-
Debug products to identify and repair errors that impair existing intended
functionality.
-
Exercise free speech, ensure the right of another consumer to exercise their
free speech rights, or exercise another right provided for by law.
-
Comply with the California Electronic Communications Privacy Act (Cal. Penal
Code § 1546 et. seq.).
-
Enable solely internal uses that are reasonably aligned with consumer
expectations based on your relationship with us.
- Comply with a legal obligation.
-
Make other internal and lawful uses of that information that are compatible
with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above,
please submit a verifiable consumer request to us by sending us an email
to compliance@konnectleads.com. Only you, or a person registered with the
California Secretary of State that you authorize to act on your behalf, may
make a verifiable consumer request related to your personal information. You
may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data
portability twice within a 12-month period. The verifiable consumer request
must:
-
Provide sufficient information that allows us to reasonably verify you are
the person about whom we collected personal information or an authorized
representative.
-
Describe your request with sufficient detail that allows us to properly
understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if
we cannot verify your identity or authority to make the request and confirm
the personal information relates to you. We will only use personal information
provided in a verifiable consumer request to verify the requestor’s identity
or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45)
days of its receipt. If we require more time (up to ninety (90) days), we will
inform you of the reason and extension period in writing. We will deliver our
written response by mail or electronically, at your option. Any disclosures we
provide will only cover the 12-month period preceding the verifiable consumer
request’s receipt. The response we provide will also explain the reasons we
cannot comply with a request, if applicable. For data portability requests, we
will select a format to provide your personal information that is readily
useable and should allow you to transmit the information from one entity to
another entity without hindrance, specifically by electronic mail
communication.
We do not charge a fee to process or respond to your verifiable consumer
request unless it is excessive, repetitive, or manifestly unfounded. If we
determine that the request warrants a fee, we will tell you why we made that
decision and provide you with a cost estimate before completing your
request.
Personal Information Sales Opt-Out and Opt-In Rights
We do not knowingly collect information from individuals under eighteen (18)
years of age. No information should be submitted to, or posted at, our
websites by individuals under eighteen (18) years of age.Consumers who opt-in
to personal information sales may opt-out of future sales at any time. To
request that we do not sell your personal information, click the Do Not Sell
My Personal Information hyperlink located near the bottom of the landing page
on our website.
Once you make an opt-out request, we will wait at least twelve (12) months
before asking you to reauthorize personal information sales. However, you may
change your mind and opt back in to personal information sales at any time by
visiting our website and sending us a message. We will only use personal
information provided in an opt-out request to review and comply with the
request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights.
Unless permitted by the CCPA, we will not:
- Deny you goods or services.
-
Charge you different prices or rates for goods or services, including
through granting discounts or other benefits, or imposing penalties.
-
Provide you a different level or quality of goods or services.
-
Suggest that you may receive a different price or rate for goods or services
or a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CCPA
that can result in different prices, rates, or quality levels. Any
CCPA-permitted financial incentive we offer will reasonably relate to your
personal information’s value and contain written terms that describe the
program’s material aspects. Participation in a financial incentive program
requires your prior opt in consent, which you may revoke at any time.
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits
users of our Website that are California residents to request certain
information regarding our disclosure of personal information to third parties
for their direct marketing purposes. To make such a request, please send us an
email to compliance@konnectleads.com or write us at our address
listed on our webpage.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any
time. When we make changes to this privacy notice, we will post the updated
notice on the Website and update the notice’s effective date. Your continued
use of our Website following the posting of changes constitutes your
acceptance of such changes.
Contact Information
If you have any questions or comments about this notice, the ways in which we
collect and uses your information described herein, your choices and rights
regarding such use, or wish to exercise your rights under California law,
please do not hesitate to contact us as follows:
-
Write us at our address listed on our webpage.