Privacy Policy
Dipsurance, a smokeless tobacco life insurance comparison service provided by eFalcon Life Insurance and Seth Waller (“Dipsurance” “Seth” “We”) take your privacy very seriously. We share a commitment to protect your privacy and confidentiality of your personal and financial information provided to us.
As the provider of products and services that involve compiling personal – and sometimes sensitive – information, protecting the confidentiality of your information has been, and will continue to be, a top priority for Dipsurance. Whether you are a current client, former client, or potential client, we believe tthat you should know about the information we collect, measures we take safeguarding it, and the situations in which we may share information with business partners.
This Privacy Policy describes how we handle and protect information that we receive through our website at dipsurance.com (our “Site”) and all related and subsidiary webpages and through access to any optimized version of our Site via any type of wireless device.
By accessing and using the dipsurance.com, you consent to the collection, use, and the storage of your information by us in the manner described in our Privacy Policy. We reserve the right to change and update this Privacy Policy and such updated versions will be posted on the Site. In addition to this Privacy Policy, your use of our Site is governed by our Terms of Use.
What information is collected on Dipsurance?
Your personal information submitted by you to Dipsurance.
Generally, you do not have to register or provide your name or other information that personally identifies you in order to view the content on our Site. If you choose to obtain a smokeless tobacco life insurance quote using our quote tool, you will initially be asked to provide your name, birthdate, gender, zipcode, email, and information about whether or not you smoke. After receiving initial quote information, you will have the option to further customize your online quote term and premium and then will be presented with further customized product options.
If you choose to select a life insurance product and apply for it, you will then need to provide more personal information as part of the life insurance application process. The information we collect and the extent to which we use it for the application process will vary depending on the product or service involved.
Non-personal information
Dipsurance collects certain standard Internet log information that you do not visibly enter, such as your IP address, browser type, click stream data, HTTP protocol elements, and the status of cookies placed on your computer by dipsurance.com.
Additionally, in order to manage and improve the Site, we or our service providers may use cookies (small packets of information that are stored by your web browser) or web beacons (electronic images that allow dipsurance to count visitors who have accessed a webpage on our site). These tools do not identify you personally and allow us to track and analyze aggregated usage data about our Site.This information may be shared on an anonymous aggregated basis.
You may choose to block or disable cookies from your device using your browser settings or options. Doing this may impact your user experience and parts of the Dipsurance may not work for you. You cannot remove or block web beacons as they form part of the content on our web pages, however because they work in conjunction with cookies, turning off cookies will prevent web beacons from tracking your user activity on our the Dipsurance site. The beacon can still account for an anonymous visit, but your unique information will not be recorded.
What is information gathered on Dipsurance used for?
If you choose to provide your personal information to us through the Site, we use that information for the intended purposes for example, to fulfill your requests for information or for such other purposes as you may initiate or request. If you provide information through our life insurance quote tool, we use that information for purposes of providing you with smokeless tobacco user life insurance quotes using the tools and pricing grids available from the life insurance companies we work with.
Applications for smokeless tobacco life insurance become the property of Dipsurance and may be used for any purposes ordinarily associated with such insurance applications and retained in accordance with our processes for retaining such documentation and applicable law. If you apply for a life insurance product, we may use your personal information to deliver you products and services, provide you with client service, and to communicate with you during the smokeless tobacoo life insurance application process, and as we deem appropriate for our internal business purposes and to fulfill our legal and regulatory requirements.
Information collected generally for applications varies depending on the products or services you request and may include:
- Information provided on applications or in personal interviews and related forms, for example, name, address, birthdate, Social Security number and annual income.
- Responses from an employer, benefit plan sponsor, or association regarding any group products we may provide, for example, name, age, address and Social Security number.
- Third-party reports, such as consumer credit history, motor-vehicle records, demographic, and/or medical information, if relevant to your life insurance product or service.
Is your information saved?
Yes, if you decide to register and fill out an application questionnaire.
Will Dipsurance sell my personal information to other insurance agents or companies? How is my information shared?
No. First and foremost, we do not sell lists of our clients, nor do we disclose customer information to marketing companies outside of eFalcon Life Insurance companies, with the exception of the companies we may hire to provide specific services for us, as described below. Under no circumstances do we share medical information for marketing purposes.
We will share personal information only for the following reasons:
- We may disclose your personal information to third party vendors engaged by us to help manage our Site, fulfill your requests or administer or enforce a transaction you requested. In these cases, we only require such vendors to restrict their use of such information to the intended purposes.
- When you have requested an insurance product, Dipsurance may send your information to the life insurance company you have selected as described below.
- When you apply for life insurance, we may use a common application or authorization to avoid multiple medical tests; in this way, the information you provide and authorize us to obtain may subsequently be used by one or all of these life insurance companies as necessary to determine – and offer to you – the product most appropriate for your specific needs.
When does my information get sent to a life insurance company?
Information does not get sent until you authorize us to begin the application process for the specific insurance company and policy you select. Once we start the official application process, you will still receive all the formal paperwork to sign and review before we forward it to the life insurance company of your choice.
What will the life insurance companies use my information for?
The life insurance companies will use your information for underwriting purposes to determine your risk classification for the life insurance product you are applying for. This information may be used for, but is not limited to, the following purposes: requesting medical records, financial records, credit records, driving records, or other third party documents during the underwriting process. Rates displayed on dipsurance.com are based on basic underwriting guidelines only. The insurance company uses your personal information to determine the final price for your policy and your risk classification.
Disclaimer
Notwithstanding any other provision in this Privacy Policy, Dipsurance may disclose your personal information to comply with any legal obligation for example in response to a subpoena, to prevent fraud, to enforce or apply our Terms of Use, to protect our rights or those of other parties and to comply with the rules and inquiries of industry regulators.
In addition, we may need to, and reserve the right to, disclose or transfer personal information to third parties in connection with selling or liquidating any part of our business or assets.
Site Security
The privacy and the security of your personal information are extremely important to us. While no website, database or system is completely secure or “hacker proofed” and we cannot guarantee that it is, we have security practices and procedures in place to prevent unauthorized use or access to your nonpublic personal information. These include using SSL encryption for transmitting sensitive personal information through the dipsurance.com and restricting access to nonpublic personal information about you to those employees or service providers who need to know the information to provide life insurance products or services to you and requiring them to respect the confidentiality of all client information.
Children Online Privacy
The Site is not designed for or directed at children 13 years of age or younger, and Dipsurance will not intentionally collect information through this Site from anyone under this age. If you think we have received or collected personal information from a child under the age of 13 through this Site, please contact us.
Contact Information
If you have any questions regarding this Privacy Policy or the operation of the site, you may contact Seth Waller using the Contact Us form or at seth@efalconlife.com or phone at (704) 870-2252.