EveryLifeMatters360.com (The ELM Group and Associates) is committed to keeping all of your personal information secure. This privacy statement explains the protection, uses and benefits of the information provided by you in order to ensure your peace of mind through every step of the application process.
Web Site Use
EveryLifeMatters360.com provides the Services for users of this Site to provide information and relating to insurance and other products offered by EveryLifeMatters360.com and its affiliates. The information contained on this Site is provided solely for general informational purposes and is not intended to be a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. EveryLifeMatters360.com is not engaged in rendering legal or any other advice. You are not a client of EveryLifeMatters360.com merely by visiting this Site. Your insurance needs are no doubt particular to your individual circumstances, and EveryLifeMatters360.com does not purport, by means of this Site, to offer information appropriate or suitable to your individual circumstances. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact your independent agent or broker. Products and services referenced herein may not be available in all jurisdictions.
What information is gathered and how is it used?
The questions we ask on our site are used only to determine which insurance carriers and products best match your unique needs. Each insurance company prices their policies differently, based on their own unique underwriting guidelines. For this reason, after EveryLifeMatters360.com (The ELM Group and Associates) receives your quote request, a licensed agent will review your submission and follow up with you directly to assist you in securing coverage for you and your family.
Should you have any questions whatsoever regarding the personal information submitted to EveryLifeMatters360.com (The ELM Group and Associates), please call us or email us at info@EveryLifeMatters360.com.
Does EveryLifeMatters360.com (The ELM Group and Associates) share my personal information to other companies?
We will never share your information with any third party for any reason, except to help you obtain life insurance. In times of high lead volume, we do share your quote request details, including your name, date of birth, gender, and email address with an affiliate agency, who will assign a licensed representative to call and assist you with your life insurance needs. Rest assured that your quote request at our site will never be shared with more than one life insurance representative or agency.
When does EveryLifeMatters360.com (The ELM Group and Associates) provide my personal information to Insurance companies?
Only when you explicitly authorize us to begin the application process for the policy and carrier you choose. Even then, you will receive the formal paperwork to review (and correct, if necessary) and sign before any information will be released to the carrier of your choice.
How will the Insurance companies use my information once I authorize its release?
Any personal information gathered by EveryLifeMatters360.com is used only for the process of qualifying you for Insurance products. Where permitted by law, your information may be used to request credit, medical and/or driving records from a third party. This information is used for underwriting the application in accordance with the disclosures and releases that you must review and sign. These authorizations are included with your application.
Will you contact me if I’m on the National Do Not Call Registry?
We do not wish to make contact with individuals or companies that are not interested in receiving information or entertaining the possibility of obtaining insurance through our firm. When you fill out our quote request form you are explicitly initiating a relationship with us, inviting and consenting to the receipt of information (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.
Does EveryLifeMatters360.com use “cookies”?
Yes. To personalize your experience on our website and to enhance security, we may assign your computer browser a unique random number known as a “cookie”. Cookies enhance security by allowing us to identify you should you wish to access your personal profile upon returning to our site. Cookies also allow the site to display the proper pages and forms appropriate to your profile.
Other Information We Collect
Some non-identifiable information about you may be gathered by tools on our website, such as Google Analytics. This information is never identifiable for purposes of solicitation or contacting you; rather, it used for compiling statistical data about visitors to our website. We may also allow other statistical collection software to access information such as operating system types, types of browsers used, and URL addresses. However, this information is not personally identifiable and is used only to compile statistical data about internet usage. You will not be contacted or identified in any way through the collection of this information.
At times, we use Google Analytics remarketing codes to log when users view specific pages or take specific actions on a website. This allows us to provide targeted advertising in the future. If you do not wish to receive this type of advertising from us in the future you can opt out of Google targeted ads by using the Network Advertising Initiative opt-out page.
What Happens if I Fill Out the Instant Quote Request Form?
You will immediately see the quotes you requested. You can get as many instant quotes as you like. One of our representatives and/or affiliates typically will call you and/or email you within 24 hours to ensure accuracy of the quote you received. We find many of our site’s visitors don’t know which health class to quote themself at, or may need assistance determining the amount or type of life insurance policy needed, which is the purpose of our contact.
Completion of any quote request form on this website implies the establishment of a business relationship and gives us or our affiliate the right to contact you via phone or email.
Changes in this Privacy Statement
We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.
For more information or questions regarding our Privacy Statement, please contact us at your convenience.