What information is collected on the Site?
Personal Information submitted by you
We collect personal information from you to help you use our products and services, and this may be done while requesting a quote through Page Life Solutions' agents, or through the Ethos website. Ethos' privacy policies will apply when obtaining a quote from their website. By “personal information,” we mean contact info such as your name, phone number, and email address or information that specifically identifies you. Generally, you do not have to register or provide your name or other information that personally identifies you in order to view the Site Content. From time to time, we may contact you with information regarding our products or services.
Is my personal information saved?
Yes, but only if you request a quote or complete the contact us section.
How is my personal information shared?
We may share personal information for the following reasons:
We may disclose your personal information to third parties engaged by us to fulfill your requests, assist with completing and submitting your application (including through external producers), administer or enforce a transaction you requested or obtained, verify your identity to help manage and improve our Site and services, and/or for any other insurance related needs including offering you other insurance products and services. In these cases, we require such third parties to restrict their use of such information to the intended purposes for which they were engaged.
When you have requested a life insurance product, our agents may send your information to the insurance company you have selected as described below.
As necessary to comply with any applicable law or legal process.
When does my personal information get sent to an insurance company?
Not until you authorize us to begin the application process.
What will the insurance companies use my personal information for?
The insurance companies (including our insurance carriers and third-party underwriting providers) will use your information for underwriting purposes to determine your risk classification for the insurance product you are applying for, as well as to issue and administer any policy you may obtain.
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 sourced information during the underwriting process. Rates displayed on ethoslife.com are based on basic underwriting guidelines only, and the insurance companies use your personal information to determine the final price for your policy and your risk classification.
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 proof” 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 Site 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 customer information.
Children’s Online Privacy
The Site is not designed for or directed at children 13 years of age or younger, and Ethos 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.
Notice to California Residents
The California Consumer Privacy Act of 2018 (“CCPA”) requires qualifying companies to provide to California residents an explanation of how such companies collect, use, and share their personal information, and of the rights and choices offered to California residents regarding handling of their personal information.
Under the CCPA, this Notice to California Residents and the privacy practices and rights it describes do not apply to the information we collect, use, or disclose about visitors to the Site when they initiate the process of applying for our financial products and services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”), and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or to information related to our business contacts. The GLBA and/or FIPA governs the information of visitors to the Site who initiated the process of applying for our financial products or services.
Please note that we may also disclose all personal information to (a) comply with federal, state, or local laws; (b) comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, or local authorities; (c) cooperate with law enforcement agencies concerning conduct or activity that we believe may violate federal, state, or local law, (d) when we sell, transfer or otherwise share some or all of our business or assets, including your personal information, in connection with a business transaction (or potential business transaction), or (e) to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services that they render to us. These disclosures are not “sales” under the CCPA.
California Residents’ Privacy Rights. Except as excluded above, the CCPA grants you the following rights:
Access. You can request a copy of the personal information that we maintain about you.
Deletion. You can ask us to delete the personal information that we collected or maintain about you. If you apply for an insurance product or obtain a product through us, we cannot support requests to delete your personal information due to business purpose.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. If we deny your request in accordance with any such applicable restrictions, we will communicate our decision to you.
You are entitled to exercise the rights described above free from discrimination. Specifically, we cannot and will not discriminate against you in any way for exercising your rights under the California Consumer Privacy Act, including by denying you services, charging you different prices or rates, providing you with a lesser quality of services, or suggesting any of the foregoing. To request access to or deletion of personal information, California residents may email firstname.lastname@example.org or send mail to Ethos Technologies Inc., Attn: Privacy Team, 460 Bryant Street, Floor 3, San Francisco, CA 94107. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
If you no longer want to receive our newsletter, emails, or other announcements, you may unsubscribe by following the “unsubscribe” link at the bottom of our emails. We make every effort to promptly process all unsubscribe requests.
You may not, however, opt-out of service-related emails and communications (for example, you may not opt-out of emails related to account verification, changes/updates to features of our Site or products or services, technical, security, and other notices containing transactional information).