PRIVACY NOTICE
Last updated June 13, 2022
This privacy notice for Final Expense Benefits LLC ("Company," "we," "us," or "our") describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"), such as when you:
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Visit our website at finalexpensebenefits.org, or any website of ours that links to this privacy notice
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Engage with us in other related ways, including any sales, marketing, lead request, quoting, or events
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at support@finalexpensebenefits.org.
SUMMARY OF KEY POINTS
This summary provides key points from our privacy notice, but you can find out more details about any of these topics by using our table of contents below.
What personal information do we process? We may process personal information depending on how you interact with our Services, including information you provide directly to us and information collected automatically.
Do we process sensitive personal information? We may process sensitive personal information, including health-related information, when necessary with your consent or as otherwise permitted by applicable law.
Do we receive information from third parties? We may receive information from public databases, marketing partners, advertising platforms, social media platforms, and other outside sources.
How do we process your information? We process your information to provide quotes, respond to inquiries, improve our Services, support marketing efforts, maintain security, and comply with law.
When do we share personal information? We may share information with service providers, affiliates, licensed insurance agents, agencies, carriers, and marketing or lead partners as described in this notice.
Do we use cookies and tracking technologies? Yes. We may use cookies, pixels, web beacons, and similar technologies for essential site functions, analytics, and advertising attribution.
What are your rights? Depending on where you live, you may have rights regarding access, deletion, correction, and certain uses of your personal information.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about insurance products or services, request a quote, submit a form, contact us by phone, email, or SMS, or otherwise interact with our Services.
Personal Information Provided by You. The personal information we collect may include:
- names
- phone numbers
- email addresses
- mailing addresses
- contact preferences
- contact or authentication data
- billing addresses
- date of birth
Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we may process health-related information and other sensitive personal information relevant to insurance inquiries or quotes.
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and browser and device characteristics — is collected automatically when you visit our Services.
We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity, but may include device and usage information such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, and information about how and when you use our Services.
Like many businesses, we also collect information through cookies and similar technologies.
The information we collect includes:
- Log and Usage Data. This may include your IP address, device information, browser type, settings, pages viewed, searches, actions taken, dates and times of access, and related diagnostic information.
- Device Data. This may include information about your computer, phone, tablet, or other device used to access our Services.
- Location Data. We may collect general location data based on IP address or other technologies, subject to your device settings and permissions.
Information collected from other sources
In Short: We may collect limited data from public databases, marketing partners, social media platforms, affiliate networks, lead sources, advertising platforms, and other outside sources.
To enhance our ability to provide relevant offers, services, and insurance-related communications, we may obtain information about you from other sources such as public databases, joint marketing partners, affiliate programs, data providers, and advertising or analytics partners. This information may include mailing addresses, email addresses, phone numbers, intent data, advertising attribution data, social media profiles, and custom audience or referral information.
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, deliver quotes, support marketing efforts, prevent fraud, and comply with law.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
- To respond to user inquiries and offer support. We may process your information to respond to your questions and provide customer support.
- To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, consistent with your preferences and applicable law.
- To provide quotes to users. We may use your information to provide information about insurance products and facilitate insurance quotes by phone, email, SMS, or other permitted communication methods.
- To improve our Services and advertising. We may use analytics, attribution, and tracking information to evaluate site performance and campaign effectiveness.
- To maintain security and prevent fraud. We may process your information to protect the website, detect automated abuse, and secure our systems.
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In Short: We may share information in specific situations and with specific third parties.
We may need to share your personal information in the following situations:
- Business Transfers. We may share or transfer your information in connection with any merger, sale of company assets, financing, or acquisition.
- Affiliates. We may share your information with our affiliates, who will be required to honor this privacy notice.
- Service Providers. We may share your information with vendors and service providers that help us operate our website, marketing, communications, hosting, analytics, customer support, and security functions.
- Licensed Insurance Agents, Agencies, Carriers, and Partners. We may share your information with licensed insurance agents, agencies, carriers, call centers, lead buyers, or other partners for the purpose of responding to your request, providing quotes, or offering insurance-related services.
4. LEAD GENERATION AND MARKETING DISCLOSURE
Our website provides information related to insurance products and may connect consumers with licensed insurance agents, agencies, carriers, or other partners that may provide quotes or additional information regarding insurance products.
When you submit your information through our website, request a quote, complete a form, or ask to be contacted, you may be providing consent for us and/or our partners to contact you regarding insurance products or services that may be relevant to your request, subject to applicable law.
Your information may be shared with licensed insurance agents, insurance agencies, insurance carriers, call centers, and marketing or lead partners for the purpose of providing quotes, responding to inquiries, delivering follow-up communications, or offering insurance-related services.
These partners may contact you by phone, email, SMS text message, prerecorded or automated technology where permitted by law and where you have provided the required consent, or other communication methods based on the information you provide and your communication preferences.
5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
In Short: We may use cookies and other tracking technologies to collect and store your information.
We use cookies, pixels, and similar tracking technologies to collect and store information when you interact with our Services. These technologies help us improve website functionality, analyze traffic, measure advertising performance, support lead attribution, and personalize marketing communications.
Cookies are small text files stored on your device when you visit a website. These cookies allow us and our service providers to recognize your browser and capture certain information about your interaction with our website.
We may use several types of cookies including:
- Essential Cookies. These cookies are necessary for the website to function properly and enable features such as security protections, page navigation, session management, content delivery, bot mitigation, and form submissions.
- Analytics Cookies. These cookies help us understand how visitors interact with our website, including which pages are visited, how users move through the site, and how our website performs.
- Advertising Cookies. These cookies may be used to deliver relevant advertisements, measure the effectiveness of our advertising campaigns, support retargeting, and improve marketing attribution.
We may work with third-party advertising and analytics providers, which may include platforms such as Google, Meta (Facebook and Instagram), TikTok, Cloudflare, GoDaddy, WordPress-related tools, and other advertising or infrastructure providers. These providers may place cookies, pixels, or similar technologies on your device to collect information about your interactions with our website and, in some cases, other websites.
Information collected through these technologies may include IP address, browser type, device information, referring URLs, pages visited, session data, interaction with forms, and interaction with advertisements. This information helps us understand how visitors arrive at our website and allows us to improve our website, marketing, and services.
You can usually choose to set your browser to remove or reject cookies. Please note that removing or rejecting cookies could affect the availability and functionality of some parts of our Services.
6. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law, regulation, contractual obligation, or legitimate business need.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if that is not possible, we will securely store your personal information and isolate it from further processing until deletion is possible.
7. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through appropriate technical and organizational security measures.
We have implemented reasonable and appropriate security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.
8. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly solicit data from or market to children under 18 years of age. If you become aware of any data we may have collected from children under age 18, please contact us at support@finalexpensebenefits.org.
9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: Depending on your location, you may have rights that allow you greater access to and control over your personal information.
Withdrawing your consent: If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time by contacting us using the details provided below.
Opting out of marketing and promotional communications: You can unsubscribe from marketing and promotional communications at any time by replying "STOP" or "UNSUBSCRIBE" to SMS messages we send, by using unsubscribe links in emails where available, or by contacting us directly.
Cookies and similar technologies: Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies. To opt out of certain interest-based advertising, you may visit http://www.aboutads.info/choices/.
If you have questions or comments about your privacy rights, you may email us at support@finalexpensebenefits.org.
10. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems include a Do-Not-Track ("DNT") feature. Because no uniform technology standard for recognizing and implementing DNT signals has been finalized, we do not currently respond to DNT browser signals.
11. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: Yes, if you are a resident of California, you may be granted specific rights regarding access to your personal information.
CCPA Privacy Notice
We may collect categories of personal information including identifiers, personal information categories listed in the California Customer Records statute, protected classification data where relevant to your inquiry, internet or other electronic network activity, geolocation data, and information provided in the context of obtaining quotes or services.
Your rights may include:
- the right to know whether we collect and use your personal information;
- the right to request access to specific pieces and categories of personal information;
- the right to request deletion of personal information, subject to exceptions;
- the right to request correction of inaccurate information where applicable;
- the right not to be discriminated against for exercising your privacy rights.
We may disclose personal information to service providers and business partners for business purposes consistent with this notice. We may also share certain data with advertising and analytics partners in connection with marketing, attribution, and related business purposes, subject to applicable law.
Verification process. Upon receiving your request, we may need to verify your identity before processing your request.
To exercise these rights, you can contact us by email at support@finalexpensebenefits.org, by calling toll-free at 866-311-4338, or by using the contact details at the bottom of this document.
12. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated "Last updated" date and will be effective as soon as it is accessible.
13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at support@finalexpensebenefits.org or by post to:
Final Expense Benefits LLC
7125 Thomas Edison Dr.
Columbia, MD 21046
United States
14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country or state, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please contact us at support@finalexpensebenefits.org or use your available request mechanism if one is provided on the website.