Efinancial 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.

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.

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.

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.

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.

State License Numbers

Insurance Licenses

Michael W. Rowell is a Life Insurance Agent in the following states under the following insurance licenses:

Alabama A166980 Nebraska ag298073
Alaska 33884 Nevada 72154
Arizona 93407 New Hampshire 371955
Arkansas 153207 North Dakota NPN# 2449672
California 0c83033 New Jersey IP-0199332
Colorado 110302 New Mexico 709344
Connecticut 1049454 New York LA-915188
Delaware 161647 North Carolina NPN# 2449672
Florida do4137 Ohio 563072
Georgia AGN578920 Oklahoma 937565
Hawaii 311141 Oregon 158825
Idaho al095479 Pennsylvania 211891
Iowa IA0000000226488 Rhode Island NPN# 2449672
Illinois NPN# 2449672 South Carolina NPN# 2449672
Indiana 390801 South Dakota NPN# 2449672
Kansas NPN# 2449672 Tennessee 829801
Kentucky 316960 Texas 10777459
Louisiana 265202 Utah 126919
Maine prn70759 Vermont 294970
Maryland NPI143753 Virginia NPN# 2449672
Massachusetts 1757436 Washington NPN# 2449672
Michigan 228671 Wisconsin 2388934
Minnesota 20234878 West Virginia 119948
Mississippi 6231 Wyoming 75913
Missouri NPN# 2449672
Montana 927416

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.

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:

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.

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.

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.

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.

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

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.

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

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.

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)