Privacy Policy


Lifetime Insurance Services believes in protecting your privacy and information. This privacy policy explains the types of personal information gathered and how we collect and use such information and describes your rights with respect to your personal information. By submitting personal information to us, you agree to the use of such information, including any disclosures, processing, and transfers of your information to third parties by Lifetime Insurance Services, in accordance with this privacy policy.

In this privacy policy, “personal information” means information that relates, directly or indirectly, to an identifiable individual. It may include an identifier, such as a name, identification or social security number, an online identifier, or factors specific to an individual, such as physical, physiological, genetic, mental, economic, cultural or social identity. It also may include categories of personal information from which we can determine or infer an individual’s

• Race or ethnicity
• Political views
• Religion or philosophical beliefs
• Genetic information
• Biometric data
• Physical or mental health or condition
• Age
• Marital status
• Sex life or sexual orientation
• Gender expression
• Criminal offenses
• Military or veteran status
• Membership in a trade union
• Legal history
• Financial information, such as payment-related information
• Education
• Employment background
• Salary and other benefit details
• Insurance information
• Preferences and interests

Collection and Use
Lifetime Insurance Services collects personal information for various business purposes. For example, we collect personal information directly from you if you engage us to provide services to you, if you visit our websites, if you submit contact details to receive our marketing communications, or if you submit a job application. In addition, we may obtain your personal information in the course of providing professional services to a third party, such as your bank or your employer. We also obtain your personal information through publicly available sources such as LinkedIn.

We use the personal information we collect in the course of conducting our business, such as

• Administering and improving our websites, or customizing our sites for you
• Understanding how our sites are being used
• Managing your registration preferences
• Maintaining and improving security, and enhancing protection against fraud, IP infringement, harassment, crime, and security risks
• Developing or improving our products and services, and identifying ways to grow our business
• Conducting quality and risk management reviews
• Benchmarking and data analysis, for instance, regarding usage of our site features and functions, purchasing tendencies, and demographic analysis of visitors to our sites
• Identifying the entity that you work for or are associated with
• Providing you with marketing communications and information about new features and special offers
• Sending you renewal and service notifications
• Providing communications about our products, services, and events
• Conducting surveys and soliciting feedback
• Running our business operations
• Monitoring and enforcing compliance with applicable terms of use
• Complying with legal, regulatory, or professional obligations
• Communicating with you and responding to your inquiries
• Fulfilling your requests or any other purpose for which you provided information to us

The following sections provide further information about our practices in collecting and using personal information.

Information you provide
We and our service providers collect any information that you provide when you use our websites, products or services. For example, when you register for a service, we may collect basic information about you like your name, username, password, email address, phone number, date of birth, physical address and other demographic or contact information.

In connection with providing services, we enter into contracts with our clients that describe our scope of services for which information is collected and used. A client that provides us with third-party personal information is responsible for obtaining from such third parties the consents that may be required by law or regulation to allow such production.

You may also provide us with certain information in connection with an application for employment with Lifetime Insurance Services. We may use this information to process and evaluate your application, as well as to communicate with you about employment opportunities. We may retain and use this information to identify, and communicate with you about, future potential employment opportunities with Lifetime Insurance Services. If you become an employee of Lifetime Insurance Services, such information may become part of the employee file and may be used for other work-related purposes, including without limitation to administer benefits to you.

Automatic collection
Lifetime Insurance Services uses tracking technologies from marketing partners, third party sites, and social media platforms. We use these technologies to gauge interest in and to measure the efficacy of our communications and marketing efforts, compile statistics about visitors who interact with our content, improve technical performance of our sites, and improve the relevance of the information we offer. If you do not wish us to confirm such actions, you may unsubscribe by following the instructions in the individual email or newsletter communication you receive from us or by contacting us at the information provided below.

The information we collect using tracking technologies may include IP address, device and browser type, access time, click or forward rates, or other technical information, and may be collected, for instance, through embedded links in our email communications. Our sites currently do not recognize browser-based “Do Not Track” signals. We or third parties may utilize cookies to enable service and functionality on your device. Cookies are small data files stored on a visitor’s device that assist us in providing you a more customized experience. For instance, a cookie can be used to remember a visitor’s online elections, responses to forms, and content accessed or downloaded. The use of cookies is a common practice for most websites, and visitors have the option to decline cookies. If you decline cookies, you may not be able to experience some of our sites’ functionality. After you finish browsing our sites, it is possible for you to delete cookies from your device if you so choose. BY ACCESSING OUR ONLINE SERVICES, YOU AGREE THAT WE, OR A THIRD PARTY ACTING ON OUR BEHALF, CAN PLACE THESE COOKIES ON YOUR INTERNET-ENABLED DEVICE.

Our website visitors have the capability to share information via third party social media applications, and some sites may allow you to use a social media identity to log in. Such social media applications may collect and use information regarding your interaction with the application. Please note that personal information that you provide via social media applications may be collected and used by other members of that social media application, and those interactions are governed by the privacy policies of the companies that provide the application. After initiating content sharing, your interactions are directly between you and the respective provider or social media platform, and we have no knowledge of your interactions or how such provider uses the data. We encourage you to review each provider’s terms of use and privacy policy before using a social sharing service.

We occasionally use third party web services on our sites to present content within our web pages, for instance, to display videos and social content or to conduct surveys. We cannot prevent these web services from collecting information on your usage of such embedded content, so we recommend you review such third party terms of use and privacy policies.

Disclosures and Transfers
Lifetime Insurance Services does not share personal information with third parties except as set forth in this privacy policy, when you have given permission to make the disclosure, or as necessary for the purpose for which the information was submitted. We may disclose personal information in accordance with applicable law, or in compliance with legal or regulatory process or professional standards.

We may share personal information with our professional advisors, insurers, benefit providers, legal or regulatory authorities, state or national boards of accountancy, or with contractors and various third party service providers who are engaged to provide support of our internal operations or assistance with the services we provide. For example, we engage service providers to assist with IT administrative support services, such as identity management, security, hosting, back-up, and data analysis, and for support services related to storage and secure disposal of hard copy files.

Lifetime Insurance Services does not sell personal information to any third parties.

Access
You have the right to opt out of receiving marketing communications and to have your personal information corrected if it is incorrect. In certain circumstances, under applicable law, you may have the right to access or obtain a copy of your personal information, to data portability, to have your personal information deleted, to restrict or object to the processing of your personal information, and to withdraw your consent for processing (where processing is based on your consent). Please note that if you withdraw your consent, we may not be able to provide you the services that necessitated processing your information.

If you become aware that information, we maintain is inaccurate, or if you would like to update your information, you may contact us using the contact information below.

Data Security
The security of your personal information is very important to us. We use reasonable and appropriate safeguards to protect your information, which include physical, technical, and administrative measures. However, no method of transferring data over the internet or storing electronic data is entirely secure, so while we strive to use reasonable means to protect your personal information, we cannot guarantee security against all threats.

Privacy Policy Changes
We may revise our privacy policy from time to time. We will post any changes on this site, and will revise the “last updated” date at the top of this privacy policy. By continuing to use any of our sites, you agree that the terms of the privacy policy as of the effective date will apply to the information collected.

Contact Information
If you have questions or comments about this privacy policy, please submit them using the Contact Us page.