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Privacy

Policy provides details on how we treat any personal information you may submit to us.

This Privacy Policy applies to this website, insurancebrokersusa.com (the “Site”), made available by TL2G Life Insurance Services LLC, which does business as InsurancebrokersUSA.com (“we” or “us”). Please note that this Privacy Policy applies only to information collected through the Site and not to websites maintained by other companies or organizations to which we link.

Information We Collect and Use

We will collect and use personal information about you to respond to your request for products and services offered through the Site. Specifically, we collect information provided by you in connection with providing insurance quotes and other information about insurance products and services. We may also collect your email address if you wish to sign up for our newsletter or other alerts.

We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.

Information Sharing and Disclosure

We share information about you under the following circumstances:

Insurance Quote Requests. If you submit a request on the Site for quotes for insurance products or services, we will share the personal information contained in your request form (such as your full name, address, telephone number, email, information about your cars, etc.) with third parties, which include insurance agents, insurance carriers, lead aggregators, and other insurance service providers (“Service Providers”) in our network to process and fulfill your request for insurance quotes. In some circumstances, we may obtain additional information about you and/or share that information with Service Providers in our network.

All Service Providers in our network have entered into agreements with us which require them to secure any personal information provided through the Site and limit how they can use such information. These Service Providers are also required to comply with federal and state privacy regulations. By submitting your request to us, you understand that Service Providers may contact you by telephone (including through automated calling or on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of insurancebrokersusa.com or one of these Service Providers. If one of the Service Providers contacts you and you wish not to be contacted again by that Service Provider with respect to your inquiry, then you should specifically make a request to that Service Provider. Please note that the Service Providers may maintain the information you provided whether or not you elect to use their services.

Aggregate, Non-Personal, or De-identified Information. We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect with third parties, including our affiliates, to develop and deliver targeted advertising on our Site and on the websites of third parties and our affiliates.

As Required by Law. We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances whenever we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use, or as otherwise required by law.

Business Transfer. As with any other business, it is possible that we could in the future enter into a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale. If such a transaction occurs, the successor company would have access to the information maintained by us, including your personal information, but would continue to be bound by this Privacy Policy unless you consent otherwise as provided herein.

Information Collection Technologies

To better serve our users and Service Providers in our network and enhance the response time of the Site, we use various technologies to collect information about our users, such as:

Cookies. Cookies are small bits of code, usually stored on a user’s computer hard drive, which enable a Website to “personalize” itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or “click-stream”) data collected by us is used to optimize your experience by learning whether or not you successfully used the Site. Additionally, we may capture click-stream data on some of our partner’s websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners. We also may use cookies to deliver targeted advertising (or allow third parties to deliver targeted advertising) on our website and the websites of our affiliates and third parties.

Please visit http://www.google.com/policies/technologies/ads/ to find additional information and options to remove or disable cookies, and to opt out of certain targeted advertisements.

Log Files. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Clear Gifs. We employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site and in our HTML emails by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users’ personally identifiable information. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

Emails

By providing your contact information to us through the Site, you are registering to receive communications from us directly, on our website or through a third party. We will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at info@insurancebrokersusa.com. You may also opt-out by clicking on the unsubscribe link in our emails.

Third Party Advertisers

Please note that we can only control our own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a Service Provider in our network, any use of your information by that Service Provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their email communications.

Confidentiality and Security

The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard personal information about you.

Third Party Links

This Privacy Policy applies to all information that you provide on the Site. However, when you visit websites to which insurancebrokersusa.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party’s privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

A Special Note about Children’s Privacy

You must be at least 14 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 14 years of age. If you are under 14 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

Updating, Obtaining or Removing Your Information

Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, please send your request via email to info@insurancebrokersusa.com.

Special Notice to California Residents

We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at info@insurancebrokersusa.com. Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties.

Visitors outside the United States

This Privacy Policy is intended to cover collection of information on our Site from residents of the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By visiting our site or using our Services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your residence country.

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us by sending an email to: info@insurancebrokersusa.com.

Changes to this Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will prominently post notice such changes on the Site. However, you should check this Privacy Policy each time you use the Site to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our Site after we have posted any Privacy Policy changes indicates your agreement to the changes unless you notify us otherwise.

Your Agreement

By using the Site, you signify your assent to this Privacy Policy. If you do not agree to this policy, please do not use any portion of the Site. When you request insurance quotes or other information through the Site, you are authorizing us to share information with our business partners, who may contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly.

If you have any questions regarding our Privacy Policy, our website, or any other aspect of the services we offer, please email us at info@InsuranceBrokersUSA.com or by mail at 4876 Santa Monica Avenue #242, San Diego, CA 92107.

Updated May 2018

TERMS OF USE

The Terms of Use is an Agreement between you and InsuranceBrokersUSA.com. By using this website, associated sites, hardware, software, or services through this website you agree to these Terms of Use in full. You also agree to provide true, accurate, current and complete information if requested by this website. If you do not agree with these Terms of Use in full, including the terms expressed in our Privacy Policy then you are not authorized to use any service of this website, and should not provide any information through this website.

Your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Before each use, please consult these Terms and Conditions of Use carefully. This website is powered by InsuranceBrokersUSA and TL2G Insurance Services, LLC, (hereafter referred to collectively as “InsuranceBrokersUSA”). These Terms and Conditions apply exclusively to your access to, and use of, this website and does not alter in any way the terms or conditions of any other agreement you may have with InsuranceBrokersUSA.

DISCLAIMER STATEMENT

The information presented on InsuranceBrokersUSA is not an offer to sell insurance. The material contained in this website is for informational purposes only and is only intended to provide a general description. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent.

All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not every policy or coverage is available in every state.

We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us.

Please contact our office at 866-848-8482 or send an email to info@InsuranceBrokersUSA.com to discuss specific coverage details and your insurance needs.

All content is for informational purposes only and is not an offer to sell insurance. Statements on this website as to polices and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation.

InsuranceBrokersUSA does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, you will comply with such law.

Rates which may be provided on-line or via e-mail, mail, or fax are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state. Unisex rates, with most carriers, are the same as male rates, apply in Montana.

This web site has been painstakingly designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions about their life insurance. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided. The information in the website is provided “as is” and without warranties of any kind either expressed or implied. InsuranceBrokersUSA hereby disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

The information contained in this website is published in the United States for some, but not all the residents of the United States of America. The content herein should be deemed to be published by InsuranceBrokersUSA and not any other party, including any particular insurance company(s). In no event shall InsuranceBrokersUSA be personally be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Our web quoting engine provides you, the consumer, with the opportunity to see the prices for various different rate classifications, based on YOUR selection of a rate class on our quote request page. Your decision to view the prices from multiple insurance companies based on a rate class that you selected is, in no way, indicative of whether or not you may qualify for that particular rate class. Automated quoting is a very inaccurate process. This is why we also ask you to provide significant additional information, beyond that which is necessary for a simple perusal of rates via the web, so that we can spend the time necessary to create a CUSTOM quote for you. This custom quote is ordinarily provided to you via telephone, often after a telephone conversation with a licensed agent.