(Last updated: November 18, 2014)
TZ Insurance Solutions LLC
96 Linwood Plaza #144
Fort Lee, NJ 07024
Attention: Customer Service (California Privacy Rights)
If you have any further questions about your rights under California law, you should send us an inquiry via the methods listed above.
If you are under 18 years of age, please do not send any information about yourself to us or on this Site, including your name, address, telephone number or e-mail address. In the event that we learn that we have collected personal information from a child, we will delete that information and otherwise comply with the requirements of the Children’s Online Privacy Protection Act and other applicable laws. If you believe that we might have any information from or about a child, please contact us at webmaster@LifeInsuranceDirect.com.
You must be at least 18 years of age to register with or use certain portions of this Site. This Site is not intended for children under 18 years of age. No one under 18 years of age may provide any personal information to or on this Site. We do not knowingly collect personal information from children under 18.
We collect several types of information from and about users of this Site, including the information described below.
We may collect non-personally identifiable information about you through a variety of technical methods, including the following:
We use the following Google Analytics for Display Advertising features:
We use Remarketing with Google Analytics to advertise online. Third-party vendors, including Google, show our ads on sites across the Internet.
We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on visitors’ past visits to the Site.
We may use Google Interest-based advertising and third-party audience data (such as age, gender, and interests) with Google Analytics to make advertising decisions and better understand the demographics and interests of its visitors.
LifeInsuranceDirect.com may use The Trade Desk to monitor interaction with its ads and website(s). The Trade Desk may gather and use information from cookies and/or other automated technologies, but does not collect information such as the user’s name or email address. Visitors can opt out from The Trade Desk’s collection of such information by clicking on the following link: http://www.adsrvr.org.
The information collected through these technical methods, standing alone, cannot be used to determine your identity. Such information may, however, be combined in a way that makes it become personally identifiable information. If this happens, we will treat the combined information as personally identifiable information.
We use your information, including any personally identifiable information, to:
We may disclose personally identifiable information:
We may take your personally identifiable information and make it non-personally identifiable, either by combining it with information about other individuals (i.e., aggregating your information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (i.e., de-personalizing your information). We may use and/or disclose to third parties such aggregate or de-personalized information in any manner and without notice or compensation to you.
Certain portions of this Site may allow you to request a quote, services or information from one or more third parties, such as insurance providers (“Requested Service Providers”). If you provide your personally identifiable information on the Site and request a quote, services or information from Requested Service Providers (e.g., by clicking “Submit” or “get your quotes”) (a “Request”), we may share, loan, rent or sell your personally identifiable information to our affiliates, Requested Service Providers that we match with your Request or to other third parties that may match you with a Requested Service Provider. In addition, the Requested Service Providers and such third parties may further disclose, share and use any personally identifiable information provided by you in connection with your Request. If you make a Request, you expressly consent to such disclosure and use of your personally identifiable information. If you do not want your personally identifiable information shared as described above, then you should not submit a Request.
IF YOU SUBMIT A REQUEST, REQUESTED SERVICE PROVIDERS MAY CONTACT YOU DIRECTLY WITH QUOTES VIA TELEPHONE, FAX, AND EMAIL. YOU MAY RECEIVE TELEPHONE CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST ON THIS SITE, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY.
Please note that if you submit a Request on this Site and we share your information as described above in connection with your Request, you will not have the opportunity to opt out of the disclosure of your information in connection with that Request.
From time to time, we may participate in or use advertising networks, such as third-party advertising servers, advertising agencies, technology vendors and research firms. We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer’s interests and preferences, which enables their computers to deliver advertisements directly targeted to the consumer’s specific interests. This practice is often referred to as “online behavioral advertising.” For example, a third-party advertising network might collect the type of Internet browser you use, the type of computer operating system you use, the domain name of a website you visit, whether or not you visit specific pages of this Site and other websites, the location of your Internet service provider’s presence, the date and time of a visit to a website and other interactions between you and website. Please see the “Online Behavioral Advertising” subsection of Choices About How We Use and Collect Your Information below to read about how you can prevent certain third-party advertising networks from collecting information about you.
We strive to provide you with choices regarding the personal information you provide to us. Below are some mechanisms that provide you with control over certain information:
This Site is operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using this Site or providing us with your information, you consent to this transfer.
If you have questions or concerns about our privacy practices or wish to make a request regarding your personally identifiable information, please contact us
via email at contact@LifeInsuranceDirect.com or write to us at:
LifeInsuranceDirect c/o TZ Insurance Solutions LLC, 96 Linwood Plaza #144, Fort Lee, NJ 07024-3701