Last Updated: May 15, 2018
We take all reasonable and commercial efforts to protect your data, however, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting services, internet intermediaries, your internet service provider, and other service providers cannot be assured. When you use the Site you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability. If you feel more comfortable submitting your information by phone, please call us at 800-823-4852.
Why We Collect Visitor Information
There are three reasons why we collect visitor information on this site.
- Information is collected to provide real-time, accurate life insurance quotes;
- Information is collected regarding your use of this site in an effort to make this site better for our users;
- Information is collected regarding your general geographic location, the site that referred you to this site, and hardware and software used to view this site in an effort to optimize our marketing efforts.
The only personally identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends and are not used to track the usage patterns of individual users.
What Information We Collect and How We Use It
When you use our services (such as our free life insurance quoter), consult with our customer service team or brokerage managers, send us an email, post on our blog, sign up for our mailing list, integrate our services with another website or service, or communicate with us in any way, you are voluntarily giving us information that we collect. The paragraphs below explain the methods we use to collect information, what information we collect, and how we use it. By giving us this information, you consent to this information begin collected, used, disclosed, transferred to the United States and stored by us.
Insurance Quotes. This site provides life insurance quotes free of charge to our life insurance agents. To provide accurate life insurance quotes, certain information must be collected, including state of residence, date of birth, gender, height, weight, coverage amount desired, term period desired, health classification of the proposed insured, and tobacco use. For simplified issue and guaranteed issue life insurance quotes, other health information may also be required. All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates from these carriers, the information mentioned above must be collected.
This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. To remove this cookie, simply close your browser once you are ready to leave our site. Persistent cookies are small text files stored on the user's hard drive for an extended period of time. Persistent cookies can be removed at any time by following help directions provided by your Internet browser. Cookies may be disabled at any time by following help directions provided by your internet browser.
Log Files. When visitors enter and surf through the pages of our site, our server logs information including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor's browser, operating system, and screen resolution. This data is analyzed to understand better what our visitors are looking for and to improve the quality of our site. We look for trends, identify most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns, or use these technologies to gather emails or personally identifiable information.
How We Communicate With Our Clients
Once a user has initiated a relationship with Pinney Insurance through this site, various forms of communication may ensue. They include:
- contact by telephone;
- contact by text message;
- contact by email;
- contact by mail;
- contact by fax.
All contact is to help our agents and their clients apply for, purchase, and/or get life insurance and/or other forms of insurance (such as annuity, auto, home, health, etc.). Contact may come from Pinney Insurance or any one of its carriers, affiliates, vendors, or partners. If at any time you desire that we cease contact with you, please send a letter detailing your request to the following address:
Pinney Insurance Center, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
If you signed up for our email newsletter, we may periodically also email you to let you know about new programs or services we offer that we think you might benefit from. Other reasons we might contact you include the following:
- To provide support or answer questions. Our website includes contact emails and forms provided for the purpose of allowing you to ask us questions about policies, underwriting, and more. If you contact us, we will use the information provided to answer your questions.
To stop receiving our emails, please click the unsubscribe link in the bottom of every email we send.
Your Personal Information Options
By providing your personally identifiable information on this site, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with Pinney Insurance and are inviting, consenting to, and requesting contact and information from us, which may be provided to you online, by phone, fax, email, or mail by Pinney Insurance or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we, or our carriers, affiliates, vendors, or partners, contacted you without your express consent. If at any time you desire that we cease contact with you, we will honor your request to place you on our internal "Do Not Contact" list.
- Email. You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of every email we send.
- Cookies. You may disable cookies on your browser at any time by following the prescribed method provided to you by your browser.
- Update/Change Personal Information. If you would like to view, update, or change the personal information we have on file for you, please contact us at 800-823-4852.
Carrier, Partner, Vendor, and Affiliate Privacy Policies
Pinney Insurance may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in brokering the sale of insurance. Pinney Insurance is not liable or responsible for these third-party company's privacy policies or procedures, or any loss or breach of data through these third-party systems. Please contact these individual organizations with questions regarding their Privacy Policies.
Website Areas Beyond Pinney Insurance’s Control
- Public Forums. This website may include interactive forums such as message boards and chat rooms. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.
- Third-Party Websites. This website may contain links to other websites. If you choose to visit other websites, we are not responsible for the privacy practices or content of those other websites, and it is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their policies.
Pinney Insurance does not spam. Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. If you receive an email from Pinney Insurance, it is because (1) you expressly shared your email address with us for the purpose of receiving information in the future (also known as "opt-in"), or (2) you have purchased from us or have a current relationship with us. By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information. You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of any one of our emails.
Legal Requests & Emergencies
We cooperate with law enforcement inquiries and demands for information that are made under force of law. Therefore, we may provide personal information to law enforcement agencies in what we believe to be emergency situations, we may provide personal information where required by statute, court order, legal process or lawful authority, and we may provide it to our legal counsel in connection with the foregoing.
We operate in the United States. Your information may be transferred to, stored, and/or processed in the United States. By using our websites, you understand and consent to your information being collected, transferred to, stored, and/or processed in the United States as described above.
If you have any questions regarding this document, our procedures and policies, the Site, or your relationship with us, please contact us at this address:
Pinney Insurance Center, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
You may also reach us by phone at 800-823-4852 or by email at tools [at] pinneyinsurance [dot] com.