{"id":490,"date":"2021-04-03T01:13:40","date_gmt":"2021-04-03T01:13:40","guid":{"rendered":"https:\/\/policy-advisors.com\/burial\/quote\/?page_id=490"},"modified":"2021-04-03T03:40:39","modified_gmt":"2021-04-03T03:40:39","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/policy-advisors.com\/burial\/quote\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"
Welcome to Policy Advisors. When you use our Site, you trust us with your information. This privacy policy is meant to help you understand what data we collect, why we collect it, and what we do with it. This is important, and we hope you will take time to read it carefully. If you are a California resident, please click\u00a0here<\/a>\u00a0to see our Privacy Information for California Residents.<\/div>\n

Definitions<\/h2>\n
\u201cPolicy Advisors\u201d or \u201cus\u201d or \u201cour\u201d or \u201cwe\u201d refers to Policy Advisors Financial Inc. and each of its subsidiaries and affiliates. \u201cSite\u201d means policy-advisors.com and any other Internet sites operated by us, our online services, mobile services, and software. \u201cYou\u201d and \u201cyour\u201d means the user of this Site. \u201cPersonal information\u201d refers to information that can be used on its own or with other information to identify, contact or locate you. For example, personal information includes your name, email address, phone number, date of birth, address, social security number, driver\u2019s license number, credit card number, or other data which can be reasonably linked to you.<\/div>\n

Information We Collect<\/h2>\n
We collect information to provide better services to all of our users, and we collect that information in the following ways:<\/div>\n

Information You Give Us<\/h3>\n
We collect personal information from you when you register for a Policy Advisors account and apply for insurance products and services through our Site. For example, when you register for a Policy Advisors account, we\u2019ll ask you for your name and e-mail address, and when you apply for insurance products and services, we\u2019ll ask you for your date of birth, social security number, address, phone number, driver\u2019s license number, employment, financial, family and housing information, existing life and health insurance coverage information, activity information, health information, bank account and\/or credit card information, and other information. We may also collect information from you during your use of our Site, or when we communicate with you via telephone, e-mail or other means.<\/div>\n

Information We Collect from Third Parties<\/h3>\n
When you register for a Policy Advisors account and\/or apply for the insurance products and services offered through our Site, we will collect information from third parties to, among other things, verify your identity; assist in the underwriting of your application; make eligibility, risk rating, policy issuance and enrollment determinations; obtain reinsurance; administer coverage; administer claims; protect against fraud; and conduct other legally permissible activities. We generally collect your identifying information (for example, your name, address, e-mail, telephone number, date of birth, social security number, and employment information), bank account information, financial information, health information, driving record, criminal history, activity information, and other personal information from these third parties.<\/div>\n
In addition, if another company refers you to us, we may collect your information from that company in order to process your application for the insurance products and services offered through our Site.<\/div>\n
We use Plaid Technologies, Inc. (“Plaid”) to gather data about you from your financial institutions and to process ACH payments. You agree that by using our Site, services and products, you are granting us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution. You also agree that your personal and financial information will be transferred, stored, and processed by Plaid in accordance with the\u00a0Plaid Privacy Policy<\/a>.<\/div>\n

Information We Collect Based on Your Activity on Our Site<\/h3>\n
In order to provide our services to you, improve our products and services, and maintain records required by law, we collect information about your transactions and activity. For example, we collect information about your computer and your visits to the Site, such as your IP address, geographical location, browser type, referral source, length of visit, button clicks, mouse movement and page views. In addition, we collect device-specific information such as hardware model, operating system version, unique device identifiers, and mobile network information including phone number. If you are a Policy Advisors\u2122 policyholder, we collect information about your payment history.<\/div>\n
We and our marketing partners and service providers use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer our Site, track users\u2019 movements around our Site, and gather demographic information about our user base as a whole. We may receive reports on this activity on an individual and aggregated basis. We use cookies when you sign in to your Policy Advisors account to keep track of your personal session, help authenticate your account, and detect fraud. Cookies are also used to gather statistical data, such as which pages are frequently visited, what is downloaded, and the address of sites visited immediately before or after coming to our Site. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of our Site may be limited. To learn more about cookies, beacons and similar technologies, and how you may opt-out of some of this tracking, you may wish to visit\u00a0http:\/\/www.allaboutcookies.org\/<\/a>\u00a0or the Network Advertising Initiative\u2019s online resources, at\u00a0http:\/\/www.networkadvertising.org\/<\/a>.<\/div>\n
We may collect and store information (including personal information) locally on your device using mechanisms such as browser web storage (including HTML5). Various browsers may offer their own management tools for removing browser web storage.<\/div>\n
We also partner with third parties to manage our advertising on other websites and evaluate the overall performance of our Site. Our third party partners may use technologies such as cookies to gather information about your activities on our Site and other sites in order to provide you advertising based upon your browsing activities and interests or help us track the success of our marketing efforts or overall Site performance. If you do not wish to have this information used for the purpose of serving you interest-based ads, you may opt-out of certain advertising networks by clicking\u00a0here<\/a>. Please note this does not opt you out of being served ads. You will continue to receive generic ads.<\/div>\n
Although we do our best to honor the privacy preferences of our users, because we believe that there is a consistent industry standard for how to respond to Do Not Track browser settings, we are not able to process or respond to such signals from your browser at this time.<\/div>\n

Purposes for Which We Use Information We Collect<\/h2>\n
We use the information we collect for our business purposes to provide, maintain, protect and improve our Site, products and services; to develop new products and services; to better our marketing efforts; and to protect us and our users. This may include processing your application for life insurance; servicing your Policy Advisors\u2122 policy; enabling automatic payments and funds transfers with financial institutions; communicating with you concerning your Policy Advisors account and transactions; and addressing any disputes you may raise concerning your Policy Advisors account or the products and services offered through our Site.<\/div>\n
We may also use your personal information to select you for certain marketing offers, newsletters, surveys and\/or requests for feedback regarding your experience. We may use your personal information both to select you for an offer and to communicate that offer to you.\u00a0Receipt of these communications is voluntary. If you do not wish to receive these communications please click on the \u201cunsubscribe link\u201d provided in such communications.<\/span><\/div>\n

How We Share and Categories of Third Parties With Which We Share Information<\/h2>\n
We do not share your information with companies, organizations and individuals outside of Policy Advisors unless one of the following circumstances applies:<\/div>\n

With Your Consent<\/h3>\n
We will share your information with companies, organizations or individuals outside of Policy Advisors when we have your consent to do so.<\/div>\n

As Necessary to Provide You the Products and Services You Request<\/h3>\n
We will share your information with life insurance companies, reinsurance companies and their respective administrators, vendors, agents, and third party service providers, including but not limited to insurance support organizations, that are engaged in services related to underwriting and issuing life insurance policies as needed to provide you the insurance products and services you request.<\/div>\n
We will also share your information with third-party vendors, agents and other service providers that perform services on our behalf, as needed to carry out their work for us, which may include billing, payments, background check services, service fulfillment, web hosting or providing analytic services. We provide only as much information as is needed for these third-party vendors, agents and other service providers to perform services on our behalf.<\/div>\n
In addition, if you were referred to us by another company, we will share your information with that company as necessary to honor the terms of our agreement with that company and to provide you the insurance products and services you request.<\/div>\n

For Legal Reasons<\/h3>\n
We may share your information with companies, organizations or individuals as required by law or subpoena or if we reasonably believe that such action is necessary to (i) comply with, any applicable law, regulation, legal process or governmental request; (ii) enforce our Terms, detect, prevent or address fraud, or to protect the security or integrity of our Site and the products and services offered through our Site; and\/or (iii) exercise or protect the rights, property, or personal safety of us, our users or others.<\/div>\n

In Connection with Our Sale or Other Significant Transaction<\/h3>\n
We may share your information with companies, organizations or individuals in connection with a significant transaction, such as a merger, sale of our assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by another company or third party or in the event of a bankruptcy or related or similar proceedings.<\/div>\n

With Our Affiliates<\/h3>\n
We may share your information with other companies owned by or under common ownership as Policy Advisors. These companies will use your personal information in the same way as we can under this policy.<\/div>\n

We Have De-Identified the Data<\/h3>\n
We may also aggregate, de-identify, or otherwise strip data of all personally identifying characteristics and may share that aggregated and\/or de-identified data with other companies, organizations or individuals.<\/div>\n

Your Choices About Your Information<\/h2>\n
If you do not want to receive promotional emails from us, you may stop receiving such emails by clicking on the \u201cunsubscribe link\u201d provided in such emails. We make every effort to promptly process all unsubscribe requests. You may not, however, opt out of service-related emails and communications (for example, you may not opt out of emails related to account verification, changes\/updates to features of our Site or products or services, technical and security notices or that provide other transactional information).<\/div>\n
We will retain your information for as long as your account is active or as needed for legitimate business or legal purposes. We may also reject requests related to updating or deleting information that are unreasonably repetitive, require disproportionate technical effort (for example, fundamentally changing an existing practice), risk the privacy of others, or would be extremely impractical (for example, requests concerning information residing on backup systems).If you have any questions about reviewing, modifying or deleting your information, you may contact us by e-mail (privacy@policy-advisors.com<\/a>).<\/div>\n

Privacy Information for California Residents<\/h2>\n
If you are a California resident, California law requires us to provide you with some additional information regarding how we collect, use, and share your \u201cpersonal information\u201d (as defined in the California Consumer Privacy Act (\u201cCCPA\u201d)). However, please note that any information you have provided to us in connection with obtaining and\/or being a customer in connection with our financial products and services (e.g., our insurance services) is already protected by certain federal financial, and federal and California state health privacy laws and is therefore not subject to the CCPA. Because of this, in this section of our privacy policy we provide disclosures and information for California residents regarding the limited personal information we collect that is subject to the CCPA.<\/div>\n

Categories of personal information we collect<\/h3>\n
Under the CCPA, we are required to provide you with the \u201ccategories\u201d of personal information we collect as defined by California law. The categories of personal information we collect that are subject to the CCPA are:<\/div>\n