Immigrant Life Insurance and its representatives do not provide any financial management, investment, tax or legal advice. Before making any financial decision, you should consult with a licensed tax or legal professional to determine the suitability of a particular financial transaction and discuss the tax and legal implications.
We know that you buy our products and services and use our Website because you trust us. This notice explains how we protect your privacy and treat your personal information. It applies to current and former customers. “Personal information” here means anything we know about you personally.
Protecting Your Information
We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us.
Collecting Your Information
The types of Personal Information we collect and share depend on the product or service you have with us. This information can include:
- Name, address, age and other information necessary to get you an accurate insurance quote.
How We Get Your Information
We get your personal information mostly from you. We may also use outside sources to help ensure our records are correct and complete.
Using Your Information
We do not make available to the general public any personally identifiable information you provide to us in connection with your registration on the Website. We use industry standard technology and efforts to safeguard the confidentiality of your personal information. These include secure servers and firewalls. All of the user data we collect is protected against unauthorized access. Only authorized employees who need the information to perform a specific job are granted access to this information.
We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on what products and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may also use your information to:
- process claims and other transactions
- perform business research
- confirm or correct your information
- market new products to you
- help us run our business
- comply with applicable laws
We may share your personal information with your consent or as permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor.
Other reasons we may share your information include:
- doing what a court, law enforcement, or government agency requires us to do (for example, complying with search warrants or subpoenas)
- telling another company what we know about you if we are selling or merging any part of our business
- giving your information to someone with a legal interest in your assets (for example, creditor with a lien on your account)
- those listed in our “Using Your Information” section above
You may tell us not to share your information with our affiliates for their own marketing purposes or unaffiliated business partners as part of a joint marketing arrangement. Even if you don’t “opt out”, we will not share your information with unaffiliated companies for their own marketing purposes without a joint marketing arrangement. You can also “opt out” anytime by contacting us at the number address listed at the bottom of this page.
Non-Personal User Content
Owner may use user submitted content such as ratings, reviews, feedback (“User Content”) in a number of different ways, including displaying it on the Website, reformatting it, incorporating it into other works, creating derivative works from it, promoting it, or distributing it. Accordingly, you irrevocably grant Owner permission to use your User Content for any purpose. You also irrevocably grant the Website users the right to access User Content in connection with their use of the Website.
You assume all risks associated with User Content, including reliance on its accuracy, completeness or usefulness, or any disclosure by you of information in your User Content that makes you personally identifiable. You may not imply that User Content is in any way sponsored
or endorsed by Owner.
Owner cannot and does not review all User Content feedback, nor does it have any control over the same. Under no circumstances shall Owner be held responsible or liable for any claims or damages arising out of any reviews or feedback.
Owner may remove, edit or reinstate User Content at our sole discretion.
visitors and pages viewed.
Accessing and Correcting Your Information
You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is reasonably retrievable and within our control. You must make your request in writing. For legal reasons, we may not show you anything we learned as part of a
claim or lawsuit, unless required by law.
If you tell us what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed information to anyone else.
We want you to understand how we protect your privacy. If you have any questions about this notice, please contact us. When you write, include your name, address, and policy or account number.
Send privacy questions to the number address listed below.
By accessing, browsing or using www.immigrantlifeinsurance.com (“Website”), or any page thereof, through direct
or indirect means, or alternative methods (including telephone or email) in any manner, you
This Website is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Website are appropriate or made available for use outside of the United States of America.
Links to Other Sites
This Website may contain links to other sites. If so, and if you choose to use the services provided by those third-party websites, you may be asked by those sites to provide certain personally identifiable information. Owner is not responsible for the privacy practices of those sites. Please be aware when you leave our site, and read the privacy policies of each and every website that you visit. This Agreement applies solely to this Website. Owner is not responsible for the contents of any linked site or any link contained in a linked site.
All material available on this Website is the property of Owner and is protected by international copyright and trademark laws. All rights are reserved to Owner. You may not modify, copy, reproduce, republish, upload, transmit, broadcast, sell or distribute in any way any material from this site without express written permission from Owner. You are permitted to use material from this Website for your own personal, private, non-commercial use only, provided you keep intact all copyright and other proprietary notices.
www.immigrantlifeinsurance.com is a trademark of Owner. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.
Restrictions on Use:
You agree that you will not, and will not assist or enable others to use the Website:
- to threaten, stalk, defraud, incite, harass, or advocate the harassment of another person or entity, or otherwise interfere with use of the Website;
- to modify, adapt, appropriate, reproduce, distribute, translate, create derivative works or adaptations of, publicly display, sell, trade, link to, or in any way exploit the Website or Website Content except as expressly authorized by Owner;
- to mine, record or gather information about other users;
Owner may terminate or suspend your account or ability to use the Website, in whole or in part,
at our sole discretion, for any or no reason, and without notice or liability of any kind.
Disclaimers and Liability
THE WEBSITE AND ALL WEBSITE CONTENT IS MADE AVAILABLE TO YOU ON AN “AS IS” BASIS. OWNER MAKES NO WARRANTIES, REPRESENTATIONS, OR CONDITIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO (1) THE
OPERATION AND FUNCTIONALITY OF THE SITE, (2) THE ACCURACY, INTEGRITY, COMPLETENESS, QUALITY, LEGALITY, USEFULNESS, SAFETY, AND IP RIGHTS OF ANY OF THE SITE CONTENT, INCLUDING BUT NOT LIMITED TO THE ACCURACY
OF INFORMATION LISTED ON THE SITE, AND (3) THE PRODUCTS AND SERVICES ASSOCIATED WITH AND/OR SOLD ON THE WEBSITE, AND. OWNER FURTHER DISCLAIMS ALL WARRANTIES, EXPRESS, STATUTORY, OR IMPLIED WITH RESPECT THERETO, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, DURABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
IN NO CASE SHALL OWNER, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM
OR RELATED TO YOUR USE OF THE WEBSITE OR OF ANY OF THE SERVICES OR PRODUCTS SOLD THEREON, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN ANY CONTENT, OR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY PRODUCT OR SERVICE CONTENT (OR PRODUCT) POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OWNER’S LIABILITY SHALL BE LIMITED TO
THE EXTENT PERMITTED BY LAW.
Use of Website
You affirm that you are either more than 18 years of age, an emancipated minor, or possess legal parental or guardian consent, and are able and competent to enter into the terms and conditions set forth in this Agreement.
This Website Uses Google AdWords
This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network.
Our Right To Change This Notice
We reserve the right to change our privacy practices, as described in this notice, at any time. We reserve the right to apply these changes to any information we already provide, as well as any information we provide the future. We will mail the new notice to all subscribers within 60 days of the effective date.
Whom To Contact:
For more information about this notice, or for more information about our privacy policies, or if you want to exercise any of your rights as listed on this notice, or if you want to request a copy of our current Notice of Privacy Practices, please contact us at: