Privacy Policy
Your privacy is important to us and we take care to ensure that your privacy is respected and your information
is not misused. In order to demonstrate our firm commitment to privacy, we here at www.simpleonlineterm.com
("Site") have created this privacy statement ("Statement"). Because we gather important
information from our visitors and customers, we have established this Statement as a means to communicate
our information gathering and dissemination practices. We reserve the right to change this Statement
and will provide notification of the change by posting the new Statement on the Site.
This Site is owned and operated by OfficialQuote, LLC, a California limited liability company. We are
located at 840 Apollo Street, Suite 231, El Segundo, California, 90245. By using our Site and/or submitting
the personal information that we request, you are accepting the practices described in this Privacy
Policy and expressly agreeing to accept offers from us, our customers, our partners, and/or any third
party to whom we may sell, license, and/or transfer your information. Such customers, partners, and/or
third parties include underwriters, qualified insurance agents, and/or insurance carriers.
Collection of Information
We require visitors and/or customers who wish to apply for insurance and/or purchase the products and/or
services offered on our Site to initially give us the following information: the state in which they
currently reside, gender, date of birth, and e-mail address. Subsequently, we may request some or all
of the following additional information: company name, address, phone number, and e-mail address, basic
medical/lifestyle information, such as, but not limited to, family disease history, smoking history,
health complaints, present medical/health condition, financial qualification information, and billing
information (including billing name and address, and credit card number). Other information relevant
to an insurance application, such as beneficiary information, family information, and the like, may
also be collected.
We use the information we collect to identify products in which you have expressed an interest, and
to determine whether you qualify for these products. We may forward this information on to underwriters,
qualified insurance agents, and/or insurance carriers for them to evaluate and/or process in order to
determine whether you qualify for purchase of the product(s) in which you expressed an interest, as
well as to deliver, service, process, update, and/or maintain the said product(s). We may also use the
information to evaluate future interest or qualification in services and/or products that we or our
partners may offer, and to contact customers to further discuss interest in other product(s) or services
that we or our partners may provide in the future.
All financial and billing information that we collect through the Site is used solely to check the qualifications
of prospective customers and to bill for products and/or services. We do not use this billing information
for marketing or promotional purposes. We use a third party intermediary to manage the credit card processing
and transfer your billing information to this intermediary only for billing purposes. This intermediary
is solely a link in the distribution chain, and is not permitted to store, retain, or use the information
provided, except for the sole purpose of credit card processing.
As is common with many web sites, our server automatically collects information from visitors to and
customers of the Site, such as Internet addresses. This information is logged to help diagnose technical
problems, and to administer our Site in order to constantly improve the quality of the information and
products that we may offer. We may also track and analyze non-identifying and aggregate usage and volume
statistical information from our visitors and customers and provide such information to third parties.
We use your IP address to help diagnose problems with our server, and to administer our Web site. Your
IP address is also used to gather broad demographic information.
If you send us personal correspondence, such as emails or letters, or if other users or third parties
send us correspondence about you, we may collect such information into a file specific to you. We use
information in the file that we maintain for you, and other information that we obtain from your use
of our Site, to resolve disputes, troubleshoot problems, and enforce our Terms and Conditions.
We cannot ensure that all of your private communications and other personally identifiable information
will never be disclosed in ways not otherwise described in this Privacy Statement. For example, we may
be forced to disclose information to the government or third parties under certain circumstances, or
third parties may unlawfully intercept or access transmissions, our database, or private communications.
We can (and you authorize us to) disclose any information about you to law enforcement or other government
officials as we, in our sole discretion, believe necessary or appropriate in connection with an investigation
of fraud, intellectual property infringements, or other activity that is illegal or may expose us to
legal liability.
Cookies
Cookies are files that Web browsers place on a computer's hard drive and are used to tell us whether
customers and visitors have visited the Site previously. We may issue a session cookie only to record
encrypted authentication information for the duration of a specific session. If the cookie is rejected,
access to and usage of the Service will be denied.
A Special Note About Children
Children under the age of 18 are not eligible to use our Site or purchase the offered products and we
ask that such persons not submit personal information to us. Since we provide products that involve
contractual obligations, which children cannot legally undertake, we ask that if you are under the age
of eighteen (18) please have your parent(s) or guardian(s) apply on your behalf. We believe that is
important that parents supervise their children when they are online. As a result, we require that children
under the age of 18 use the Site only in conjunction with parent(s) or guardian(s).
Security
This site has security measures in place to protect against the loss, misuse and alteration of the information
under our control. All user information stored on our server is stored in a password-protected environment.
Notwithstanding these efforts, we caution you that “perfect security” does not exist on the Internet,
and the personal information you send us may be intercepted by others.
Additional Information
Questions regarding this Privacy Policy or the practices of this Site should be directed to us by e-mailing
such questions to info@simpleonlineterm.com.
This Privacy Policy is effective as of August 4, 2006.