Privacy Policy
We want you to feel comfortable using our site and requesting a quote or further information, and we urge you to familiarize yourself with the following privacy policy.
BY VISITING THIS WEBSITE AND REQUESTING INFORMATION, PRODUCTS OR SERVICES THERON, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY INFORMATION OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEBSITES REFERRED TO IN THIS PRIVACY POLICY.
PLEASE NOTE: THIS PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE.
This policy describes the information collection, use, and dissemination practices of Whole Life Insurance Policy and its parent and affiliated entities ("Whole Life Insurance Policy") and applies to Whole Life Insurance Policy's collection, use, storage and disclosure of information by Whole Life Insurance Policy on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the "Websites"), (b) on various Third Party websites, and (c) to Whole Life Insurance Policy's other information collection, including the purchase of customer lists from Third Parties. Whole Life Insurance Policy is not responsible for the information collection or privacy practices of Third Party websites or applications.
CALIFORNIA RESIDENTS PRIVACY RIGHTS
Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: Whole Life Insurance Policy, 3043 Mission Street, San Francisco, CA 94110. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.
THE INFORMATION COLLECTION, USE AND DISSEMINATION PRACTICES OF Whole Life Insurance Policy.
Collection of Information
Survey Information
Whole Life Insurance Policy collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes a survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by Third Parties (collectively, a "Survey"). (As used herein, "online" means using the Internet, including the Websites, and related technologies, and "offline" means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Whole Life Insurance Policy or a Third Party (a "Third Party") may ask an individual to provide various information to Whole Life Insurance Policy, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, "Survey Information"). Whole Life Insurance Policy may also collect information concerning an individual from another source and uses that information in combination with information provided from this web site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Whole Life Insurance Policy or a Third Party, but an individual may receive incentives from Whole Life Insurance Policy or a Third Party in exchange for providing Survey Information to Whole Life Insurance Policy
Site Membership or Registration
To the extent registration is required to receive email and possibly postal communications from Whole Life Insurance Policy, this Privacy Policy also applies to consumers that have agreed to receive e-mail marketing from Whole Life Insurance Policy, whether at our Website, via email, on Third Party websites or otherwise. We collect information in certain portions of our Website, where guests provide content submissions and suggestions or participate in interactive online activities (i.e., by way of responding to questions and surveys, community listings, ratings, searches and comparison searches, bidding, purchasing, chat, games, or bulletin boards, etc.). The personal profile information you submit to Whole Life Insurance Policy remains your property, but by submitting that information to Whole Life Insurance Policy, you grant Whole Life Insurance Policy, the right to use that information for marketing purposes. Whole Life Insurance Policy may also use such information for content improvement and feedback purposes. We may sell the personal information that you supply to us and we may join together with other businesses to bring selected retail opportunities to our members. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation. In addition, Whole Life Insurance Policy reserves the right to release current or past member information in the event Whole Life Insurance Policy believes that the membership is being or has been used in violation of the Rules or to commit unlawful acts, if the information is subpoenaed, if Whole Life Insurance Policy is sold or acquired, or when Whole Life Insurance Policy deems it necessary or appropriate. By agreeing to these terms, you hereby consent to disclosure of any record or communication to any Third Party when Whole Life Insurance Policy, in its sole discretion, determines the disclosure to be appropriate.
Subscription
Subscription occurs when an end-user registers for Whole Life Insurance Policy's services, either via registration at our website, via co-registration at a marketing partner's website, or via a permission pass / opt-out / no-opt mailing Whole Life Insurance Policy collects personally identifiable information about our subscribers, based on: information gathered at the time of registration, subscriber interaction and response to subsequent electronic mailings and website use, information provided by marketing partners, and information appended from data aggregators. Information collected may include, but is not necessarily limited to: name, email address, postal address, gender, birth date, telephone number, activity, interests, user behavior and other demographic information. This information enables us to better tailor our content to subscribers' needs and to help our clients to promote and sell their products and services.
Third Party List Information
Whole Life Insurance Policy collects information from individuals when an individual provides information to a Third Party and Whole Life Insurance Policy subsequently purchases, licenses, or otherwise acquires the information from the Third Party (the "Seller"). Such purchased information may include, but is not limited to, an individual's name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, "Third Party List Information"). When acquiring Third Party List Information, Whole Life Insurance Policy seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to Whole Life Insurance Policy and that the Seller has a right to provide offers from Advertisers to the individuals whose personal information is included on the Seller's list.
Other Information
Other occasions when Whole Life Insurance Policy obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Whole Life Insurance Policy or by a Third Party, (2) when an individual requests assistance through Whole Life Insurance Policy's customer service department, and (3) when an individual voluntarily subscribes to a Whole Life Insurance Policy service or newsletter (together, "Other Information").
Cookies, Web Beacons, and Other Info Collected Using Technology
Whole Life Insurance Policy currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Whole Life Insurance Policy may use other new and evolving sources of information in the future (together, "Technology Information").
- Cookies
A cookie is a small amount of data stored on the hard drive of the individual's computer that allows Whole Life Insurance Policy to identify the individual with his or her corresponding data that resides in Whole Life Insurance Policy's database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept cookies in order to use all of the features and functionality of the Websites.
- Web Beacons
A web beacon is programming code that can be used to display an image on a web page (by using an
programming function -- see http://truste.org for more information), but can also be used to transfer an individual's unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows Whole Life Insurance Policy to track certain websites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. For example, Whole Life Insurance Policy might place, with the consent of a Third Party website, a web beacon on the Third Party's website where cosmetics are sold. When Jane, an individual listed in Whole Life Insurance Policy's database, visits the cosmetic website, Whole Life Insurance Policy receives notice by means of the web beacon that Jane visited the cosmetics site, and Whole Life Insurance Policy would then update Jane's profile with the information that Jane is interested in cosmetics. Whole Life Insurance Policy may thereafter present offers of cosmetic related products and services to Jane. In addition to using web beacons on web pages, Whole Life Insurance Policy also uses web beacons in email messages sent to individuals listed in Whole Life Insurance Policy's database.
- New Technology
The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is Whole Life Insurance Policy's use of new and evolving technology. As a result, Whole Life Insurance Policy strongly encourages individuals to revisit this policy for any updates regarding its use of technology.
- Usage Tracking
Whole Life Insurance Policy tracks information related to the electronic mailings and web pages viewed by users and subscribers, as well as the hyperlinks clicked by subscribers, while viewing our emails or visiting our websites.
- Log Files
Log files are used to track and monitor subscriber usage.
- Optional Registration
Whole Life Insurance Policy may offer free voluntary registration to potential subscribers. During such registration, the subscriber is required to supply an email address and other personal information. This information is required if the subscriber wants to participate in Company services.
- Feedback and Inquirires
You have the ability to contact Whole Life Insurance Policy to provide us with their feedback. Whole Life Insurance Policy uses this information to respond to you and analyze customer service issues.
Outside Information
Whole Life Insurance Policy may receive information about individuals from Third Parties or from other sources of information outside of Whole Life Insurance Policy including information located in public databases ("Outside Information").
Individual Information
As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information Whole Life Insurance Policy gathers or receives about individuals.
Credit Card Information
Whole Life Insurance Policy may in certain cases collect credit card numbers and related information, such as the expiration date of the card ("Credit Card Information") when an individual places an order from Whole Life Insurance Policy. When the Credit Card Information is submitted to Whole Life Insurance Policy, such information is encrypted and is protected with SSL encryption software. Whole Life Insurance Policy will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to Third Parties only as necessary to complete the purchase transaction.
Links to External Websites
Whole Life Insurance Policy's emails and websites contain links to external websites. You will be taken to external websites if you click on these links. Your information may be passed from Whole Life Insurance Policy's database to the external website, and/or external database, for your convenience (e.g. your information may be used to pre-fill a form at a destination website). Whole Life Insurance Policy is not responsible for the privacy practices or content of any external website owner. We encourage you to review the privacy policy of any website they visit.
Use of Individual Information
Discretion to Use Information
Whole Life Insurance Policy MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN Whole Life Insurance Policy'S SOLE DISCRETION. The following paragraphs in Section 2 describe how Whole Life Insurance Policy currently uses Individual Information, but Whole Life Insurance Policy may change or broaden its use at any time. As noted below, Whole Life Insurance Policy may update this policy from time to time. Whole Life Insurance Policy may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.
Email and Unsubscribe Policy
Whole Life Insurance Policy uses Individual Information to provide promotional offers by email to individuals. Whole Life Insurance Policy may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Whole Life Insurance Policy's email lists, a person must send request removal from our database. Whole Life Insurance Policy's unsubscribe process impacts only the future delivery of electronic mailings disseminated by Whole Life Insurance Policy on its own behalf. You may still receive electronic mailings sent on behalf of Third Parties and your personal information may still be shared with Third Parties for use in offline marketing and data appends, including email appends. You should also note that unsubscribing from Whole Life Insurance Policy's electronic mailings will not automatically unsubscribe the subscriber's information from any Third Party associates and licensees of the data. Since Third Party associates and licensee partners maintain separate databases from Whole Life Insurance Policy, and you will need to unsubscribe from each source individually, if desired. This allows you the freedom to pick and choose which subscriptions to maintain and which to discontinue.
Content of Email Messages
In certain commercial email messages sent by Whole Life Insurance Policy, an Advertiser's name may appear in the "From:" line but hitting the "Reply" button will cause a reply email to be sent to Whole Life Insurance Policy. The "Subject:" line of Whole Life Insurance Policy email messages will usually contain a line provided from the Advertiser to Whole Life Insurance Policy.
Solicited Email
Whole Life Insurance Policy only sends email to individuals who have agreed on the Websites to receive email from Whole Life Insurance Policy or to individuals who have agreed on Third Party websites to receive email from Third Parties such as Whole Life Insurance Policy does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to Whole Life Insurance Policy's email messages.
Special Note for Do Not Call List Registrants
By submitting personal information to us, you authorize us and�our partners and clients�to contact you via e-mail or telephone in order to process and/or fulfill your request, even if you are registered on the National Do Not Call List or any equivalent state Do Not Call List. You will be contacted at the phone number you provide, regardless of whether it is a cell phone or a land line. We may make the e-mail addresses of those who volunteer their e-mail addresses to us 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 with information on new products and services or upcoming events. You may also receive mailings from other reputable companies. If you do not want us to share your e-mail address with other companies or organizations, please request removal from our database using the Email and Unsubscribe Policy detailed in this document.
Targeted Advertising
Whole Life Insurance Policy uses Individual Information to target advertising to an individual. When an individual is using the Internet, Whole Life Insurance Policy uses Technology Information (see also Section 8 below) to associate an individual with that person's Individual Information, and Whole Life Insurance Policy attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Whole Life Insurance Policy may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.
Direct Mail and Telemarketing
Whole Life Insurance Policy uses Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.
By submitting your personal information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that Whole Life Insurance Policy has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act).
Use of Technology Information
Whole Life Insurance Policy uses Technology Information (1) to match a person's Survey Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals (2) to track a person's online browsing habits on the Internet (3) to determine which areas of Whole Life Insurance Policy's websites are most frequently visited. This information helps Whole Life Insurance Policy to better understand the online habits of individuals so that Whole Life Insurance Policy can target advertising and promotions to them.
Profiles of Individuals
Whole Life Insurance Policy uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.
Storage of Individual Information
Whole Life Insurance Policy stores the Individual Information in a database on its' computers and those computers owned by third party web hosting companies. Our computers and those of the third party hosting companies have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Whole Life Insurance Policy's control. Not withstanding such measures, Whole Life Insurance Policy cannot guarantee that its security measures will prevent its computers from being illegally accessed, and the Individual Information on them stolen or altered.
Dissemination of Individual Information
Sale or Transfer to Third Parties
Whole Life Insurance Policy MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN Whole Life Insurance Policy'S SOLE DISCRETION.
Order Fulfillment
Whole Life Insurance Policy will transfer Individual Information to Third Parties when necessary to provide a product or service that a person orders from such Third Party while using Whole Life Insurance Policy's websites or when responding to offers provided by Whole Life Insurance Policy.
Legal Process
Whole Life Insurance Policy may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.
Summary Data
Whole Life Insurance Policy may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.
Access
Whole Life Insurance Policy may also grant advertising clients and email services providers' access to an individual's email address to verify the origin of the Individual Information collected.
Privacy Practices of Third Parties
- Advertiser cookies and web beacons Advertising agencies, advertising networks, and other companies (together, "Advertisers") who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Whole Life Insurance Policy does not control Advertisers' use of such technology and Whole Life Insurance Policy has no responsibility for the use of such technology to gather information about individuals.
Links
The Websites and email messages sometimes contain hypertext links to the websites of Third Parties. Whole Life Insurance Policy is not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by Third Parties. Such links are provided for your convenience and reference only. Whole Life Insurance Policy does not operate or control in any respect any information, software, products or services available on such Third Party websites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Affiliated Companies
Whole Life Insurance Policy may disclose, transfer, and sell Individual Information to entities affiliated with Whole Life Insurance Policy in Whole Life Insurance Policy's discretion.
Unsubscribe Procedures
If you wish to discontinue receiving email messages from Whole Life Insurance Policy, you have several options:
Unsubscribe from one email list
To unsubscribe from a particular list, either: (1) Request removal from our database or (2) Follow the instructions in each promotional email message sent by Whole Life Insurance Policy.
- Unsubscribe from all of Whole Life Insurance Policy's email lists We reserve the right to add Individual Information to multiple lists maintained by Whole Life Insurance Policy. To globally unsubscribe from all of Whole Life Insurance Policy's lists, request removal from our database.
LIMITATION OF LIABILITY, THIRD PARTY INFORMATION & LANGUAGE
YOU UNDERSTAND AND AGREE THAT ANY DISPUTE OVER PRIVACY IS SUBJECT TO THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY AND OUR TERMS AND CONDITIONS (INCLUDING LIMITATIONS ON DAMAGES, AND ARBITRATION OF DISPUTES). YOU AGREE THAT Whole Life Insurance Policy'S LIABILITY FOR ANY BREACH OF THIS PRIVACY POLICY SHALL BE LIMITED TO THE GREATER OF THE VALUE OF THE TRANSACTIONS OR SERVICES PROVIDED TO YOU BY Whole Life Insurance Policy OR $250 TO THE EXTENT SUCH CLAIM IS NOT OTHERWISE BARRED BY OUR TERMS AND CONDITIONS. You also agree that you have provided notice to, and obtained consent from, any third party individuals whose personal data you supply to Whole Life Insurance Policy with regard to: (a) the purposes for which such third party's personal data has been collected; (b) the intended recipients or categories of recipients of the third party's personal data; (c) which of the third party's data are obligatory and which data, if any, are voluntary; and (d) how the third party can access and, if necessary, rectify the data held about them.
For more information about protecting your privacy, you may wish to visit: www.ftc.gov.
Last updated: November 19th , 2007