Last Modified on March 1, 2018
Our Privacy Commitment
This policy answers the following questions:
What information do we collect about you and how do we use it?
Types of information we collect
Personal information means information that can be used to identify and contact you. You do not need to submit personal information to access the Service generally. However, you must submit personal information to access certain aspects of the Service, including those which allow you to apply for and obtain a term life insurance policy through the Service (an “Insurance Policy”). We may also collect non-personal information such as your browser type, mobile device operating system, and when and from what location you access the Service. This information may be aggregated to measure the number of visits, average time spent, page views, and other statistics about users of the Service. We also may use this data to monitor the Service’s performance and to make the Service easier and more convenient to use.
We collect personal information when you create an account through the Service, participate in registration forms, apply for or obtain an Insurance Policy or receive customer or technical support.
To create an account through the Service, we require you to provide certain information, including your name and email address. We may collect certain other information in connection with the issuance of an Insurance Policy, including your mailing address, phone number, date of birth, social security number, driver’s license or state identification number, financial information, medical history, existing life insurance coverage, information about your employment and other information that may be required by life insurance companies to decide whether to issue an Insurance Policy to you. When purchasing an Insurance Policy through the Service, you will also be required to provide a credit card number and billing address or other payment information.
By submitting personal information through the Service, you authorize Bestow to share this personal information for the purposes identified herein, such as responding to user inquiries, processing transactions, distributing materials, and requesting feedback.
Third Party Privacy Policies
How We Use Your Personal Information
We may use your personal information with non-personal information that we have collected in a manner such that the end-product does not personally identify you or any other user of the Service. We may make your personal information non-personally identifiable by either combining it with information about other users (aggregating your personal information with information about other users), or by removing characteristics (such as your name or email address) that make the information personally identifiable. This process is known as de-personalizing your information. You grant us a royalty-free, worldwide, perpetual, irrevocable and fully transferable right and license to use your personal information in connection with the creation and development of analytical and statistical analysis tools relating to the use of the customer data we collect in providing the Service (the “Analytical Data”). We are expressly authorized to make any commercial use of the Analytical Data, including without limitation, sharing the Analytical Data with third parties, provided that we do not sell, trade, or otherwise transfer from us any part of the Analytical Data that personally identifies any Service users.
Do Not Track
In compliance with California legislation, AB370, effective January 1, 2014, Bestow’s practices in responding to “do not track” signals and collecting user information over time and across a network of websites when you visit the Site are as follows: We do not honor the request of “do not track” signals sent by your browser when you visit the Site. Additionally, Bestow may collect user information about your online activities over time and across different websites, or authorize third parties to do so.
Bestow uses Google Analytics, among other tools, to help us learn about who visits the Site and what pages are being viewed.
Our servers automatically record information that your browser or mobile device sends whenever you visit the Site. This information includes, among other things, your Internet Protocol address, mobile device operating system, browser type and version, the search engine you used to find the Service, if any, which aspects of the Service you use and from where, and when and how long you use them. We use this information to monitor and analyze how users use the Service, to provide customer service and to maintain and improve the Service. We may also collect similar information from emails we may send to you which then help us track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of the Service.
Will we share your personal information with third parties?
Sharing Your Information
- Insurance Companies. We may share your personal information with insurance companies who provide services related to underwriting, issuing and servicing Insurance Policies offered through the Service, as well as their administrators, vendors and agents and third-party service providers.
- Referral Providers. If you were referred to us by, or submitted a request for information or an application for insurance through another company, an insurance agent or other business partner, we will share your information with that company as necessary to honor the terms of our agreement with that company and to provide you the insurance products and services you request.
- Asset Transfers. If we become involved in a merger, acquisition or other transaction involving the sale of some or all of Bestow’s assets, user information, including personal information collected from you through your use of the Service, could be included in the transferred assets. Should such an event occur, we will use reasonable means to notify you through email and/or a prominent notice on the Site.
Additional Information You Should Know About Third Parties
What choices do you have about the collection and use of your personal information?
Control of Your Information
You may update or delete your personal information or modify your account preferences for the Service by accessing the account interface provided through the Service. Please note that if you disable your account, we will keep your contact information on file, and may retain other account information for a reasonable period of time afterward for the purpose of internal account management and fraud prevention.
Opting Out of Receiving Communications From Us
If you no longer want to receive our newsletter, emails or other announcements, you may unsubscribe by selecting the “opt-out” box on the Site or following the “unsubscribe” link at the bottom of our emails. Please note that you cannot unsubscribe from certain correspondence from us, including messages relating directly to your account.
What security measures do we take to safeguard your personal information?
The personal information that you provide to us is stored on servers which are located in secured facilities with restricted access, and protected by protocols and procedures designed to ensure the security of such information. We restrict access to personal information to Bestow employees, independent contractors and agents who need to know this information in order to develop, operate and maintain the Service. All Bestow personnel who have access to this information are trained in the maintenance and security of such information. However, no server, computer or communications network or system, or data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect user information, we cannot ensure or warrant the security of any information you transmit to us or through the use of the Service and you acknowledge and agree that you provide such information and engage in such transmissions at your own risk. Once we receive a transmission from you, we will endeavor to maintain its security on our systems.
In the event that personal information you provide to us is compromised as a result of a breach of security, when appropriate we will take reasonable steps to investigate the situation, notify you and take the necessary steps to comply with any applicable laws and regulations.
Notification of Changes
Questions? Contact Us