Effective January 1, 2023
Read this privacy policy carefully as it contains important information about how and why we collect, use, and share your personal information. It also explains certain rights you may have in relation to your personal information, and who you may contact to make certain requests. We may update or change this privacy policy, which you should periodically review. You may only use this website if you agree to the posted terms & conditions and this privacy policy.
WHO WE ARE.
lifeofprotection is a website owned and operated by Ndivu Life, L.L.C. broker(s) of insurance products or services.
We, us, and our mean the licensed broker(s), as applicable.
GOVERNMENT AFFILIATION.
This website is not affiliated with or managed, endorsed or sanctioned by any state or federal governmental agency or exchange, the Centers for Medicare & Medicaid or the Department of Health and Human Services. However, our licensed broker(s) are affiliated with state Marketplace website.
CATEGORIES OF PERSONAL INFORMATION WE COLLECT.
(A) Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, drivers license number, social security number, or other similar identifiers.
(B) Related Information that identifies, relates to, describes, or is capable of being associated with, a particular individual such as his or her name, signature, physical characteristics or description, address, telephone number, drivers license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
(C) Characteristics of protected classifications under California or federal law.
(D) Commercial Information (e.g., records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies).
(E) Internet Activity such as electronic network activity information, browsing history, search history, and information regarding a consumers interaction with an Internet Web site, application, or advertisement.
(F) Geolocation Data.
(G) Audio, electronic, or similar information.
(H) Professional or employment-related information.
(I) Inferences such as those drawn from any of the information identified above to create a profile about a consumer reflecting the consumers preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
(J) We do not knowingly collect information from individuals under eighteen (18) years of age. No information should be submitted to, or posted at, our websites by individuals under eighteen (18) years of age.
SOURCES OF PERSONAL INFORMATION.
(A) Directly from you (e.g., via telephone, text message, email, website form submission, etc.).
(B) Publicly accessible sources (e.g., property records, public directories, etc.).
(C) Third parties (e.g., marketing vendors and social media, digital advertising, and data aggregation businesses).
(D) Indirectly from you (e.g., via cookies, digital trackers, analytics, and IT and security systems).
PURPOSES OF COLLECTING PERSONAL INFORMATION.
(A) To fulfill the reason you provided the information (e.g., to match you with our insurance broker / agent, provide support, respond to an inquiry, etc.).
(B) To market products and services to you.
(C) To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites and companies, and via email, telephone, text message, or other means (with your consent as required by applicable law).
(D) For other marketing purposes.
(E) To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
(F) To investigate and prevent fraud and abuse of our website, products, and services.
(G) To comply with our legal and regulatory obligations.
(H) For other business purposes.
WHO PERSONAL INFORMATION MAY BE SHARED WITH.
(A) Persons or companies that offer insurance products or services (Insurance Providers).
(B) Marketing vendors and social media, digital advertising, and data aggregation companies (Marketers).
(C) Other parties with a legal interest (including private parties and government or regulatory entities) (Legal Parties).
SALES AND DISCLOSURES OF PERSONAL INFORMATION IN THE PAST 12 MONTHS.
We do not sell any personal information.
CALIFORNIA RIGHTS AND INFORMATION
(A) California consumers have the right to request that businesses disclose certain information to them about the use of their personal information over the past 12 months. Upon receipt of a verifiable request, to the extent required and permitted by applicable law, we will disclose to California consumers: (i) the categories of personal information we collected about them; (ii) the categories of sources for the personal information we collected about them; (iii) our business or commercial purpose for collecting or selling that personal information; (iv) the categories of third parties with whom we share that personal information; (v) the specific pieces of personal information we collected about them; and (vi) If we sold or disclosed personal information for a business purpose, two separate lists disclosing (a) sales, identifying the personal information categories that each category of recipient purchased; and (b) disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
(B) California consumers have the right to request that businesses delete any of the personal information that they collected from consumers and retained, subject to certain exceptions. Upon receipt of a verifiable request, to the extent required and permitted by applicable law, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
(C) To request disclosure or deletion of your personal information, click the Data Request hyperlink located near the bottom of the landing page on our website, or dial the telephone number listed in our contact information.
(D) California consumers have the right to direct businesses to not sell their personal information. To request that we do not sell your personal information, click the Do Not Sell My Personal Information hyperlink located near the bottom of the landing page on our website.
(E) California consumers may not be discriminated against for exercising any of their rights under the California Consumer Privacy Act. Businesses may, however, offer certain financial incentives that can result in different prices, rates, or quality levels.
(F) California's "Shine the Light" law permits California residents to request certain information regarding businesses disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please click the Data Request hyperlink located near the bottom of our website or write to us at the address listed in our contact information.
(G) Some browsers have ?do not track features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals.
COOKIES AND TRACKING TECHNOLOGIES.
We may collect personal information over time and across different websites, apps, and devices. We may also work with third parties that collect personal information this way. Examples of tracking tools we may use include browser and flash cookies, server logs, web beacons, and similar technologies. Examples of services we may use include Google AdWords and Facebook Custom Audiences. You can visit the help and settings sections of your browsers, mobile devices, social media companies, and other technology providers to learn about what options you may have to control their use of your data. You can also learn more about tracking technologies and how to control them by visiting the Federal Trade Commissions Online Tracking website located (as of December 2019) at https://www.consumer.ftc.gov/articles/0042-online-tracking#Understanding_Other_Online_Tracking
TELEPHONE CALLS AND RECORDINGS.
You provide your prior express written consent to receive marketing telephone calls and text messages (including those sent by automatic telephone dialing systems and including prerecorded messages) to any telephone number that you provide to us, even if that number is listed on a do-not-call registry. Consent is not a condition of purchasing any goods or services, and you can use our services or products without providing this consent by dialing the telephone number on our website. You also agree that all telephone calls and conversations with us and anyone we may transfer your telephone call to or from may be recorded for quality, customer-service, compliance, and regulatory purposes.
RETENTION OF PERSONAL INFORMATION.
We keep personal information for as long as is necessary to provide our products or services to you; to respond to any questions, complaints or claims made by you or on your behalf; to keep records required by law or to demonstrate compliance with regulations; and to fulfill the purposes set forth in this policy.
INFORMATION SECURITY.
We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. Those processing your information as service providers will do so only in an authorized manner and are subject to a duty of confidentiality.
CONTACT INFORMATION.
Mail: 510 CHANCELLOR DR W, JACKSONVILLE, FL 32225
Email: privacy at lifeofprotection dot com
Telephone: 1 (904) 452-3233