Personal statement regarding your privacy:
Term101.com understands that when purchasing life insurance you as the client have many choices. We as a company strive to help you ‘protect the ones you love’ by making the process of obtaining life insurance as easy and user friendly as possible. Due to the nature of life insurance, personal information is needed in order to process your life insurance request at different junctures of the process (i.e. quotes, application requests, underwriting, and policy delivery). Protecting your privacy is of paramount importance to us. Specified in the disclosure below are answers to commonly asked questions relating to your privacy and our use of the information you provide.

Why we need your personal information:
We collect your information to prepare insurance quotes, to complete the application process, and to contact you throughout the application process.

What information we collect and how it is used:
Insurance Quote Request
Our website contains a quote feature that allows you to input your information and to view rates from various insurance companies we represent as agent. This requires only minimal information, such as your state of residence and birth date, to generate the best possible insurance rate comparisons for the insurers we represent in your state. We may also ask for optional contact information so that we may reach you to discuss your insurance needs. We do not require any personally identifiable information in order for you to comparison shop at Term101.com. Please understand that 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 (“Apply Now”)
Our “Apply Now” feature allows you to start an application online for the insurance coverage of your choice. The information we collect can include: additional contact information, medical and lifestyle information that is required whenever you buy life insurance. Upon receipt of your “Apply Now” request, a Term101.com representative or one of our vendor partners may contact you to collect additional information to continue the application process by telephone and ensure the quality of your quote.

When you apply for or buy a policy through us, we act as the agent for the insurance company where you chose to send your application. We provide your personalized customer information as required by the insurer to process the application and service the policy, and we may use such information to offer other new products or services to our customers. Except for these purposes, or as required or permitted by law, your information is not disclosed.

Sending Your Information to the Insurance Company
Once you have completed your medical exam and/or application, we’ll submit all information we’ve gathered to the insurance company you selected. The insurance companies use your personal identifiable information to determine your insurability and rates. Insurance underwriting criteria may vary for each insurance company, and each company may place different emphasis on the various information contained on your application. Every insurance company has its own privacy policies, which are separate from the Term101.com Privacy Policy.

How we communicate with you:
Depending on your needs and preferences, we currently use a variety of methods to communicate with you. These methods may include, at our discretion:
Contact by telephone to verify information and to assist you with your life insurance application request or policy.
Contact by direct mail to assist in the life insurance application process or to assist you in servicing your 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.
Contact by fax to assist in the life insurance application process or to assist you in servicing your policy.

Term101.com has a partnership with licensed agents nationwide. After you’ve shopped for life insurance on our website, we may share the information you entered online with any of these licensed agents so that they may contact you about your life insurance needs.

How to change your information: If you have received a communication from us in error, or if you wish to change your information, please e-mail us at customerservice@Term101.com. We’ll respond to your inquiry and let you know what action we have taken.

Security of your personal information:
Term101.com secures your personal information from unauthorized access, use or disclosure. Term101.com secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Use of Cookies:
The Term101.com Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Term101.com pages, or register with Term101.com site or services, a cookie helps Term101.com to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Term101.com Web site, the information you previously provided can be retrieved, so you can easily use the Term101.com features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Term101.com services or Web sites you visit.

Contact information:
Term101.com welcomes your comments regarding this Statement of Privacy and our services. If you believe that Term101.com has not adhered to this Statement, please contact privacy@Term101.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.

Changes to this statement:
Term101.com will occasionally update this Statement of Privacy to reflect company and customer feedback. Term101.com encourages you to periodically review this Statement to be informed of how Term101.com is protecting your information.