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 trust 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 is strictly voluntary and will not prevent you from receiving a quote for life insurance. You may call us TOLL FREE at 1-866-853-6351, 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 Opt Out 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.

Email Notifications: Efinancial may use or disclose information gathered from the site in order for Efinancial or its partners to send relevant offers we believe would be of interest to you. If you wish to opt-out from receiving any special offers from Efinancial.com and its partners.

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 1-866-853-6351 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: December 10, 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.

If you ever have questions about our privacy policy, please email us at help@Efinancial.com. We take your privacy very seriously.