Efinancial's materials and information are provided "Your Acceptance of Terms".
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
current and complete information if requested by this website. If you do
authorized to use any service of this website, and you should not
provide any information through this website.
Age Restriction (18 Years Or Older)
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
action to terminate such access if possible. We are sorry for any
inconvenience this may cause.
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
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.
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
Michael W. Rowell is a Life Insurance Agent in the following states under the following insurance licenses:
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
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.
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
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
How We Use Your Information
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.
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.
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.
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
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
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.
You may elect to disable cookies in your browser. Please refer to your
computer or operating system user manual for information on how to
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.
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,
below. In addition, you may request the prior version of the privacy
Last Date Changed Was: 12/07/2007
Efinancial's Marketing Practices
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
Other Important Terms
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.
and interpreted according to the laws of the State of Washington,
without giving effect to Washington's conflict of laws principles.
any provision of this agreement is unlawful, void or unenforceable, it
shall not affect the validity and enforceability of any remaining
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
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)