Information We Collect About You
We ask questions on our site that are geared to help us match our customers with the very best carrier(s) and product(s) to meet their needs, though each insurance company bases its final prices on its own criteria. We will ask for your name, e-mail address, mailing address, and phone number. We may also gather some general health, lifestyle, and family history on our site. Some of our resource tools require you to list your financial status, including debt and savings information. In order to obtain insurance product quotes, you will be required to provide us with additional personal information which includes, but is not limited to, your date of birth, your gender, your smoking status, your height and weight, and social security number. A licensed representative may call or email you to clarify your information and respond to your inquiry.
What do we use your information for?
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. This includes using your information to provide you with accurate insurance premium quotes, help process and underwrite and your application for life insurance, and to keep you updated on the status of your purchases. This involves sharing your information with insurance carriers offering insurance products that fit your needs.
From time to time, we may contact you with information concerning various insurance products that we believe might be of interest to you, based on the information you submitted via our website.
We may also use your information to improve our website and enhance your personal experience with our website.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.
We may share your Information with any of our parent companies, subsidiaries, joint ventures, or other companies under common control with us.
As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the Information may be part of the transferred assets.
We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.
The Security of Your Information
Carmichael Associates strives to protect the personal information you provide via our website. To accomplish this, we use commercially known security measures such as encryption, password protection and firewalls. We also have internal restrictions on who may access data collected on our site.
Please understand, however, the Internet is never 100% secure and that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.
Further, we do not guarantee or warrant that any part of our Sites, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as the use of anti-virus software, to protect your computer hardware and software while using the Internet.
Please also note that regular Internet e-mail is not secure. To protect your privacy, you should not use e-mail to communicate information that you want to remain confidential. For your extra protection, we suggest using an alternative method of secure transmission such as telephone, fax, or regular mail.
We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Under California Civil Code Section 1798.83, California residents who have established business relationships with us may choose to opt out of our sharing their Personal Information with third parties for direct marketing purposes. If you are a California resident and (1) you wish to opt out; or (2) you wish to request certain information regarding our disclosure of your Personal Information to third parties for the direct marketing purposes, please send an e-mail to firstname.lastname@example.org
Visitors from outside the U.S.
If you are visiting this site from outside the US then you agree that you will be connected through servers located in the U.S, and any personal information provided to us by you will be maintained in web servers and/or internal systems located within the U.S.
Legal Terms and Conditions
This website is provided “as is” without any representations or warranties, express or implied. Carmichael Associates makes no representations or warranties in relation to this website or the information and materials provided on this website. In no event shall Carmichael Associates and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services, or other information provided. herein.
Without prejudice to the generality of the foregoing paragraph, Carmichael Associates does not warrant that this website will be constantly available or available at all.
Unless otherwise noted, the graphic images, buttons, layout, and text contained in this website are the exclusive property Carmichael Associates and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of Carmichael Associates. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Insurance company logos are the exclusive property of the respective insurance companies, and are used with permission