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Terms of Use
Efinancial's materials and information are provided "Your
Acceptance of Terms".
These Terms of Use constitute an Agreement between you and Efinancial and,
where applicable, between you and Michael W. Rowell. By using this website, or
any of the associated sites, hardware, software, or services (also collectively
referred to below as the “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 our Privacy Policy in full, as provided below and at our Privacy Policy, then you are not authorized to use any service of this
website, and you should not provide any information through this website.
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Age Restriction (18
Years or Older)
Currently, you must be eighteen (18) years of age or older to use this website,
and if you are under the age of 18, you are hereby expressly notified that you
are not permitted to provide any information through this website, for any
purpose, including seeking insurance information or services. Efinancial and
Michael W. Rowell are not responsible for monitoring or seeking verification of
user qualification or age. However, if Efinancial discovers that a user is
accessing this website in violation of these Terms of Use, Efinancial may
immediately take action to terminate such access if possible. We are sorry for
any inconvenience this may cause.
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Disclaimer
Efinancial's materials and information are provided "As Is". There are no
warranties expressed or implied by this website. Materials on Efinancial.com
are provided for research and comparison purposes only. Efinancial.com does not
recommend or endorse any particular insurance company. Efinancial.com and
Michael W. Rowell assume no liability for the accuracy of the information
provided. We make every effort to provide the highest quality material on
Efinancial.com but because of the technology involved we may at times encounter
technical difficulties or inaccuracy. Efinancial.com life insurance comparison
and shopping services is a free service provided by Michael W. Rowell to help
consumers shop for life insurance, and all disclaimers herein apply. Insurance
requested through Efinancial.com is transacted through Michael W. Rowell a life
insurance agent. Access to products and carriers available through Efinancial
Insurance Services.
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Limitation of
Liability
To the fullest extent permissible under applicable law, in no event shall
Efinancial, or Michael W. Rowell, be liable to you for damages of any kind
whatsoever including, but not limited to, direct, indirect, consequential,
special, incidental, including without limitation, lost profits or damages
resulting from lost data or business interruption, or punitive damages of any
kind whatsoever that may result from your use of or inability to use this web
site or the materials or services provided on this web site or the products or
services received from this web site. Exemptions of implied warranties may not
be allowed in all jurisdictions. In such case, in no event shall Efinancial's
total liability to you for all damages, losses, and causes of action exceed the
amount paid by you, if any, for accessing this web site.
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It is your responsibility to evaluate your needs for life
insurance and the accuracy of the information we provide. Efinancial.com or
Michael W. Rowell do not render any information contained as legal,
professional, tax, or other advice. A tax or legal advisor may be necessary in
evaluating your personal situation. |
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Insurance Licenses
Michael W. Rowell is a Life Insurance Agent in the following states under the
following insurance licenses:
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About Efinancial |
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Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Iowa
Illinois
Indiana
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
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A166980
33884
93407
153207
0c83033
110302
1049454
161647
do4137
AGN578920
311141
al095479
IA0000000226488
NPN# 2449672
390801
NPN# 2449672
316960
265202
prn70759
NPI143753
1757436
228671
20234878
6231
NPN# 2449672
927416
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Nebraska
Nevada
New Hampshire
North Dakota
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Wisconsin
West Virginia
Wyoming |
ag298073
72154
371955
NPN# 2449672
IP-0199332
709344
LA-915188
NPN# 2449672
563072
937565
158825
211891
NPN# 2449672
NPN# 2449672
NPN# 2449672
829801
10777459
126919
294970
NPN# 2449672
NPN# 2449672
2388934
119948
75913
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User Conduct
Efinancial's materials and information are provided "Your
Acceptance of Terms".
You promise NOT to use this website for any of the following purposes or
activities:
a) conducting or supporting illegal activity of any type whatsoever;
b) transmitting or storing worms or viruses or any code of a destructive
nature;
c) threatening, harassing, abusing, impersonating, injuring or intimidating
others;
d) interfering with others' use of this website, unless such interference is
for the purpose of complying with another section of these Terms of Use;
e) delivering spam or collecting information to deliver spam, or sending
unsolicited email advertisements; f) decompiling, disassembling, reverse
engineering or otherwise attempting to discover any source code contained in
this website;
g) disguising the origin of any content transmitted through this website or
manipulating your presence on the website; and/or
h) causing the launch of any automated system(s) that accesses this website in
a manner that sends more request messages to servers of the website in a given
period of time than a human can reasonably produce in the same period by using
a conventional on-line web browser.
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Privacy Policy
The information we receive from you is used to provide you with a quote or
application for insurance coverage. The insurance company uses the information
to determine the insurability of each applicant. If you provide any personally
identifying information to us, we want you to understand the following:
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Why We Collect Your
Information
We collect your information to prepare insurance quotes, to complete the
application process online, to contact you during the application process, and
to make special offers to you related to insurance products and services.
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How We Use Your
Information
Your Choice: We may use information you provide on this website to provide
insurance information to you, and we may provide the information to third
parties whom we consider to be trustworthy with the intent that they provide
insurance information to you. Both us, and the third parties, may use this
information for the purpose of offering additional products and services to
you. If you do not wish to receive offers for additional products or services,
you should not provide personal information or contact information through this
site. Also, if you do provide personal information or contact information, you
may review Section VII. 4., below, which provides you with an opportunity to
opt-out of receiving special offers from Efinancial (but not our trusted
partners).
Insurance Quote Form: Our site features a brief form you complete to
view rates from various insurance companies. If you provide contact information
such as your email or phone number, we view this as your express invitation
that we contact you about insurance even if you are on the state or federal "Do
not Call" list.
Insurance Application Request Form: Our Insurance Application Request
Form allows you to request an application online for insurance coverage. This
form collects additional contact, medical and lifestyle information that is
required whenever you buy life insurance.
When you buy a policy through Efinancial.com, we act as agent for the insurance
company to which the application is sent. We provide customer information which
you provide to us, to the insurance company, as it may require to process the
application and service the policy, and we may use such information to offer
other products or services to you, our customers.
How insurance carriers use your information - Eventually, we'll submit all
information we gather during the application process to the insurance company
you selected. Insurance companies use personally identifiable information to
determine your final insurance eligibility and rates. Insurance underwriting
criteria may vary for each participating insurance company, and each company
may place different emphasis on different information on your application.
Cookies - A cookie is a small text file saved on your computer's hard
drive and stored in memory while your browser is running. Cookies make it
easier for a user to navigate the Web, and to complete transactions over the
Internet. Usage of a cookie is in no way linked to any personally identifiable
information while on our site. Efinancial.com may contract with certain
partners that utilize ad-serving technology. To gauge the effectiveness of
advertisements, a campaign number is assigned to the vendor for which you came
to visit our site. This will remain on your URL when you return to our site.
Sale of Assets of Sale of Efinancial - If in the future, Efinancial, or
substantially all of its assets are acquired, the information we collect
through this website from you or other customers, will likely be transferred to
the acquiring party.
Except for the purposes described in this Privacy Policy, or as required or
permitted by law, we do not disclose customer information to others,
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How We Communicate
With You
Contact by telephone to verify information and to assist you with your life
insurance application request or policy.
Contact by email to verify information, to assist you with your life insurance
application request or policy, to conduct surveys, and to provide you with
additional insurance information, service announcements, special offers or
other money saving opportunities.
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Choices You Have
Regarding Your Information
Quote Request and Application Request Forms - Your decision to provide personal
contact or medical information through this website is strictly voluntary and
will not prevent you from receiving a quote for life insurance. You may call us
TOLL FREE at 888.500.TERM, and we will be happy to quote insurance rates and
complete your application request by telephone.
If you elect to provide personal or contact information through this site,
Efinancial may use or disclose the information you provide to our trusted
partners, and Efinancial, or our trusted partners, may use the information to
send relevant offers to you which we, or our partners, believe would be of
interest to you. If you wish to opt-out from receiving any offers from
Efinancial, please visit this link or send an email request to
Unsubscribe@Efinancial.com. Please note, that even if you select to Opt Out
after providing your information through this site, our trusted partners may
still contact you. As such, if you do not wish to be contacted, do not provide
any personal contact information through this site.
Cookies - You may elect to disable cookies in your browser. Please refer to
your computer or operating system user manual for information on how to disable
cookies.
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Information Release
Unless you give us permission to do so, or unless law requires us, we do not
willfully use or disclose personally identifiable information to third parties
for any purpose other than described above.
We have security provisions in place to protect your information; however, no
security system is impenetrable. If you feel uncomfortable submitting any
personal information through the Efinancial.com website, you may call us at
866-703-2332 and obtain Free Life Insurance Quotes over the phone.
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How to Change Your
Information
If you have received a communication from us in error, or if you wish to change
your information, please email us at help@Efinancial.com. We'll respond to your
inquiry via email, and we'll let you know the action we've taken.
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Changes to
Efinancial's Privacy Policy:
We reserve the right to change our privacy policy, and if so, we will post
these changes to this privacy statement and to other relevant places on our
site so that visitors are aware of the change. We encourage you to check this
posted privacy statement for updates. When changes are made, we will post the
last date on which the privacy policy was changed below. In addition, you may
request the prior version of the privacy policy by emailing us at
help@Efinancial.com and requesting the last version of the privacy policy prior
to the most recent change.
Last Date Changed Was: 12/07/2007
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Efinancial's Marketing
Practices
Efinancial.com works with advertising companies and other marketers to promote
our service. We take every possible step to insure that every company
advertising for us is doing so on a legal and ethical basis. We do not
participate or tolerate any SPAM or Unsolicited Emailing of any kind. We have a
ZERO tolerance policy for SPAM and unethical marketing practices. Before
working with any advertiser we take every possible step to make sure their
email lists have all been generated by people opting in to receive their offer
and that they maintain a "Remove List". If you believe that you have received
one of our emails and you did not "Opt In" to receive the company’s offers then
please forward the email to marketing@Efinancial.com and we will take immediate
action to resolve the matter.
Last Date Changed Was: 12/07/2007
If you ever have questions about our privacy policy, please email us at
help@Efinancial.com. We take your privacy very seriously.
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Other Important Terms
JURISDICTION
We do not imply that the materials or services on this website are available or
for use outside the United States or that we are soliciting business in any
such jurisdiction.
MISCELLANEOUS
These Terms of Use, and the agreement they create, shall be governed by and
interpreted according to the laws of the State of Washington, without giving
effect to Washington’s conflict of laws principles.
If any provision of this agreement is unlawful, void or unenforceable, it shall
not affect the validity and enforceability of any remaining provisions. We may
modify these Terms of Use at any time, simply by updating this posting or the
information on this website and without notice to you.
Intellectual Property Notice
The mark EFINANCIAL, and the other design(s) and stylizations associated
therewith are the properties of Efinancial, LLC, in the USA. This website and
related software are protected under US and international copyright laws and
you are hereby notified that copyrights are claimed by Efinancial. You agree to
abide by any and all copyright notices displayed on this website.
For Customer Service Call Toll Free 1-866-765-4296
Michael Rowell, licensed life insurance agent in District of Columbia and all
50 states. The following agent license numbers are provided for Michael Rowell
as required by state law: CA agent #0740941, LA agent #239637, MN agent
#20074276, UT agent #105208, MA agent #161679. Efinancial.com, agent Michael
Rowell. Commercial use by others is prohibited by law. California Efinancial
(DBA -Efinancial Term Insurance Services)
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| Invitations for application for life insurance on Efinancial.com are
made through Efinancial, LLC or through its designated agent, Michael W.
Rowell, only where licensed and appointed. License numbers are available upon
request and are automatically provided where required by law. Michael Rowell is
a licensed life insurance agent in all 50 states, including the District of
Columbia, and his resident state of Washington. Michael W. Rowell's Washington
license number is 150354; in California, 0C83033; in Louisiana, 265202; in
Minnesota, 20234878; in Utah, 126919; in Massachusetts, 1757436; and in Texas,
1001041. Efinancial, LLC's California license number (d/b/a Efinancial Term
Insurance Services) is 0F37537; in Louisiana, 323680 and in Utah, 104501.
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