Efinancial Privacy Policy

Why We Collect Your Information

At Efinancial (“we”, “us” or “our”) and on Efinancial.com (“site” or “website”), we take your privacy very seriously. The information you provide to us is used to prepare and insurance quotes, contact or respond to you, complete the application process and make special offers to you related to insurance products and services. Once you choose a quote, your selected insurance company generally uses your information to determine your insurability and follow up with you. 

If you provide any personally identifiable information to us, we want you to understand the following:

How We Use Your Information

Your Choice: We (and third-party insurance companies whom we consider to be trustworthy in their noted business practices) may use the information you submit on this website to provide you with requested insurance information or to share additional products or services that could be of interest 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 website. If you have already provided profile data or contact information, you may review our “Choices You Have Regarding Your Information” section below or even learn how you can opt-out from receiving special offers from Efinancial in the future.  

Insurance Quote Form: Our website features a brief form you can 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 should 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 the agent for the insurance company to which the application is sent. We send the customer information that your selected insurance company may require to process the application and service the policy. In addition, we may use such information to offer you (our customer) other related products or services.  

How Insurance Carriers Use Your Information

The 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 a different emphasis and priority on specific information on your application.  

How We Communicate With You

We may contact you by telephone to verify information and to assist you with your life insurance application request, questions or policy. We may also contact you 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.

Cookies

A cookie is a small text file saved on your computer's hard drive and stored in its 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.

In addition, we do use Google Analytics on our website as do many of our partners. These data analytics tools help us better understand how you and other visitors engage with our digital solutions, your search requests and preferred content, etc. This gives us insights to improve your online experience, improve products or services and more.

In using Google Analytics, we certify compliance with all applicable laws, policies and regulations relating to the collection of information. For more information about the Google Analytics technology, please click here to visit Google’s web page - “How Google uses data when you use our partners’ sites or apps.

(Please understand that since we do not manage the cookies use or your activity on a partner website, we recommend that if you are curious about their respective online data gathering policies, you may want to confirm what they are directly from them or on their websites.) You may elect to disable cookies in your browser. If so, you might want to refer to your computer or operating system user manual for information on how to disable cookies.

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.

Third-Party Advertising and Your Choices

We use third-party advertising companies on our site. Some of these advertisers may use technology such as cookies that collect information when they advertise on our site. While we do not release personally identifiable information (such as your name or email address) to these advertisers, some of these companies may use the more generic tracking information (e.g. your visits to this site and other websites) in order to highlight  advertisements about goods and services that may also be of interest to you. If you would like more information about this practice and to better understand your choices about not having this information used by these companies, you may visit one the advertising industry-approved choice mechanisms at
http://www.networkadvertising.org/choices/ orhttp://www.aboutads.info/choices/

Should you choose to opt-out of future distributions or campaigns from them, simply follow the opt-out instructions on their websites. If you opt-out of our marketing or communication activities, please know we respond promptly (or within a maximum of 10 business days as required) to Web browser “do not track” signals - or other mechanisms that consumers utilize to exercise choice regarding the collection of their personal information and online activities over time.

Choices You Have Regarding Your Information

Quote Request and Application Request Forms: Your decision to provide personal contact or medical information 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 (888.500.8376), 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 trusted third parties. In addition Efinancial, or the third-party companies, may use the information to send relevant offers to you which we, or the third parties, believe would be of interest to you. If you wish to opt-out from receiving any offers from Efinancial, simply click the opt-out link here or send an email request to Unsubscribe@Efinancial.com


Please note, that even if you select to opt-out after providing your information through our website, the third parties you’ve been in contact with may still contact you. If you wish to not receive marketing materials, emails or information from them in the future, you would have to opt-out directly from their websites. As a general recommendation, if you do not wish to be contacted at all, you should not provide any personal contact information through this website.

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 866.844.9332 and obtain life insurance quotes over the phone.

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 Compliance@Efinancial.com. We'll respond to your inquiry via email, and we'll notify you about the action we've taken.

Changes to Efinancial's Privacy Policy

We reserve the right to change our privacy policy, and if so, we will post these changes to our Efinancial.com privacy statement that is linked throughout our website 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 our privacy policy before the most recent change by emailing us at Compliance@Efinancial.com.

Last updated: 8/3/17

Efinancial's Marketing Practices

Efinancial.com works with advertising companies and other marketers to promote our service. We work to ensure that companies advertising for us follow applicable legal and ethical guidelines. We do not tolerate any SPAM, unauthorized or unethical emailing marketing of any kind. Before working with an advertiser, we require that their email lists have all been generated by people opting in to receive offers and that they maintain an “Opt-Out”/"Remove List". If you believe that you have received one of our emails, and you did not "Opt In" to receive these offers, please forward the email to Marketing@Efinancial.com. We will take the necessary action to resolve the matter.

If you ever have questions about our privacy policy, please email us at Compliance@Efinancial.com.