Wholesale Life - Privacy Policy
“Wholesale” Life Insurance Brokerage, Inc., an Illinois corporation, is committed to protecting your privacy. Your privacy is important to us, Wholesale Life Insurance Brokerage, Inc., providing services under http://wholesalelife.com/ (collectively, “Wholesale Life”), maintains high standards for the protection of your privacy at our web site. In order for us to provide the best possible products and services, we will ask you to provide us with personal information. Your personal information is used to contact you with more information about our services only after you have requested such information through our web site. We do not collect any personal information about you at our web site unless you choose to provide it to us voluntarily. We define “personal information” as information that is unique to you and might include your phone number, name, age, address, Social Security number, health or medical history.
If you do provide us with personal information, we will abide by any limitation on the purposes for which it will be used that is expressed where it is collected, and we will not sell, license, transmit or disclose this information outside of Wholesale Life, unless (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us (and as more fully described below), (3) in order to provide our products or services to you, or (4) otherwise as we are required or permitted by law. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.
Personally identifiable information voluntarily provided by you may be retained indefinitely for the purposes described in this Privacy Policy.
Use of the Information this Site Gathers/Tracks
Any personally identifiable information you give us will be used only to provide the product, service or information you have requested. Unless you specifically consent to allow us to do so or unless your personal information is provided to our trusted partners as described below, your personally-identifiable information, including your e-mail address, will not be sold, rented, licensed, or otherwise shared with third parties. We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.
Service Providers
We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality and security with respect to your personal information.
Legal Obligations
We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
Outside of the exceptions described above, we will not share your personal information with third parties. We collect personal information in the normal course of business in order to process your insurance application and in order to serve you better. We require such third parties to adhere to strict confidentiality, security and privacy standards when handling your personal information.
Applying for Life Insurance and Other Products
If you apply for life insurance or other product from us, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used solely to process your application. Additionally, we may ask you to provide us with credit card or bank information, which will be used solely to process your application or collect any fees associated with your application or insurance premiums upon approval of your application.
Providing you with a quote or processing your application
We may use your personal information to get in touch with you when necessary to process your application. We or trusted third parties may use our personal information to provide you with a quote. For example, emails may be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.
We may use "Cookies," "Clear Gifs," "Internet Protocol" addresses or other numeric codes to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below.
Wholesale Life protects the confidentiality and security of your personal information. We restrict access to personal information collected about you at our web site to our employees, our affiliates' employees, or others who need to know that information to provide services to you or in the course of conducting our normal business operations. We maintain appropriate physical, electronic, and procedural safeguards to protect personal information. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
If you want to correct or update your contact information, you may contact us by email at diane@wholesalelife.com or by mail at:
Wholesale Life Insurance Brokerage, Inc.
1001 E. Wilson St. Suite 101
Batavia, IL 60510
Fax 630-879-8809
We will share your messages with those within our organization that are most capable of addressing the issues contained in your message. We preserve the content of your e-mail, your e-mail address and our response so that we can efficiently respond to questions you might have. We also do this in an effort to meet legal and regulatory requirements. We will respect your request not to be contacted by e-mail.
You may opt out of receiving satisfaction surveys and/or information on additional products and services from us. We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.
If you want to opt out of these surveys and/or notices, you may contact us by email at diane@wholesalelife.com or by mail at:
Wholesale Life Insurance Brokerage, Inc.
1001 E. Wilson St. Suite 101
Batavia, IL 60510
Fax 630-879-8809
Please note that you will still receive communications from us regarding your insurance quote, application or policy even if you opt out of receiving our surveys and/or notices of additional products and services.
This Privacy Policy applies to this Wholesale Life web site, and may not apply to other web sites that are owned and/or operated by Wholesale Life.
Browsers and Internet Security
Any time you enter or provide personal information in our web site, we encrypt it using Secure Socket Layer ("SSL") technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Wholesale Life recommends using a strong encryption, 128-bit browser such as Microsoft's Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher.
Security Risk of Using Non-Approved Automated Software Applications
For security reasons to guard the safety of your data, access to this web site is limited to SSL-capable browsers such as Microsoft's Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. Under no circumstance should you use any software, program, application or any other device to access or log-in to the Wholesale Life web site, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, web site or proprietary software.
Sites We Link To
If you choose to use any of the links we provide to our member companies, sponsors, and other third party resources, you will be leaving our web site and going to a new web site. Protection of your privacy at those other sites will be governed by the privacy policy at that site. We've taken special care selecting the companies that appear in our resources section. To ensure they respect your privacy as we do, please take the time to read the privacy policies on their sites. However, because these third party web sites are not under our control, we cannot be responsible for the privacy practices of such web sites or pages and we do not endorse any of these web sites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages.
Use of “Cookies” or Other Data Collection Tools
A cookie is a piece of information which a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single web site session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.
We may use cookies for a number of purposes - for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our web site.
Our cookies, if we decide to use them, will track only your activity relating to your online activity on this web site, and will not track your other Internet activity. Our cookies do not gather personally identifiable information.
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online products and services or web site features.
We may occasionally use other companies to set cookies on our web site and gather cookie information for us. In some cases we may also use another company to operate web servers for our web site. We use the cookie information gathered by these companies in the same manner as stated above.
In addition to the information we collect from cookies, we also obtain information which you provide to us online - for example, when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online - for example, to complete a transaction you requested or to keep historical records of your past transactions.
Changes to this Policy
If we make any changes to this policy, we will let you know the effective date of the changes and provide a tool for you to understand what has changed. If you have any questions or comments or receive any unwanted e-mail from this site, please contact our webmaster via e-mail at diane@wholesalelife.com If we are going to use your personal information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personal information in this different manner. In addition, if we make any material changes to our information privacy practices that do not affect the personal information already stored in our database, we will post a prominent notice in the privacy portion of our web site notifying users of the change.
Last Updated: November 14, 2006
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