Privacy Policy
Set for Life Insurance (“Company,” “we,” or “us”) respects your privacy and is committed to protecting it through our compliance with this Online Privacy Statement (“Statement”).
This Statement describes the types of information we may collect from you or that you may provide when you visit www.setforlifeinsurance.com (the “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This Statement applies to information we collect on this Website, in email, text, and other electronic messages between you and this Website, and through any forms or quote tools offered on or through the Website. It does not apply to information collected by us offline or through any other means, or by any third party, including through any application or content that may link to or be accessible from this Website.
Please read this Statement carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you may choose not to use our Website. By accessing or using this Website, you agree to this Privacy Statement. This Statement may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes.
Children Under the Age of 16
Our Website is not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website, register on the Website, use any of the interactive or public features of this Website, or provide any information about yourself to us, including your name, address, telephone number, or email address.
If we learn that we have collected or received personal information from a child under 16 without verifying parental consent, we will delete that information. If you believe we may have any information about or from a child under 16, please contact us at the address listed in Contact Information below.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Website, including information by which you may be personally identified (such as name, postal address, email address, telephone number, date of birth, occupation, and annual income), information that is about you but individually does not identify you, and information about your internet connection, the equipment you use to access our Website, and usage details.
Information You Provide to Us. The information we collect on or through our Website includes information you submit through the side-by-side quote tool and any other forms on our Website. This may include your name, date of birth, gender, state of residence, occupation, annual income, tobacco use history, and basic health information necessary for an insurance quote. We also collect records and copies of your correspondence (including email addresses) if you contact us.
Information We Collect Through Automatic Data Collection Technologies. As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns. This includes details of your visits to our Website, traffic data, location data, logs, and other communication data, and information about your computer and internet connection, including your IP address, operating system, and browser type.
The technologies we use for this automatic data collection may include cookies, web beacons, and pixel tags. A cookie is a small file stored on your device. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Website.
Third-Party Use of Cookies and Other Tracking Technologies
Some content or applications on the Website, including advertisements and analytics services, are served by third parties, including ad networks, content providers, and analytics providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website. The information they collect may be associated with your personal information, or they may collect information, including personal information, about your online activities over time and across different websites and other online services.
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information, to present our Website and its contents to you, to provide you with information, products, or services that you request from us, to fulfill any other purpose for which you provide it, to notify you about changes to our Website or any products or services we offer, and to allow you to participate in interactive features on our Website.
When you submit a request for a side-by-side disability insurance quote, we use the information you provide to obtain quotes from the disability insurance carriers we represent, including Guardian, Principal Financial Group, MassMutual, Ameritas, The Standard, and Lloyd’s of London. We may also use your information to follow up with you about your quote request, to recommend coverage that fits your situation, and to assist you with an insurance application.
We may also use your information to contact you about our own and third parties’ goods and services that may be of interest to you. If you do not wish to receive these communications, you may opt out at any time by following the instructions in any email we send you or by contacting us directly.
Disclosure of Your Information
We may disclose aggregated information about our users and information that does not identify any individual without restriction.
We may disclose personal information that we collect or that you provide as described in this Privacy Statement:
- To the disability insurance carriers we represent (Guardian, Principal Financial Group, MassMutual, Ameritas, The Standard, Lloyd’s of London) for the purpose of obtaining a quote and, if you choose to apply, processing your application.
- To contractors, service providers, and other third parties we use to support our business, and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Set for Life Insurance’s assets.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information.
- With your consent.
We may also disclose your personal information to comply with any court order, law, or legal process, including responding to any government or regulatory request, to enforce or apply our Terms of Use and other agreements, and if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Set for Life Insurance, our customers, or others.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices about the personal information you share with us. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this Website may then be inaccessible or not function properly.
If you do not wish to have your email address used by Set for Life Insurance to promote our own or third parties’ products or services, you can opt out by clicking the unsubscribe link in any promotional email we send you or by contacting us at info@setforlifeinsurance.com.
Your California Privacy Rights
California’s “Shine the Light” law (Civil Code Section 1798.83) permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. The California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide California residents with additional rights, including the right to know what personal information we collect about you, the right to delete personal information we collect from you, the right to opt out of the sale or sharing of your personal information, the right to correct inaccurate personal information, and the right to limit use and disclosure of sensitive personal information.
To make a verifiable request to exercise these rights, please contact us at info@setforlifeinsurance.com or by mail at the address in Contact Information below. We will respond to verifiable requests as required by California law.
Your Colorado Privacy Rights
The Colorado Privacy Act (CPA) provides Colorado residents with rights regarding their personal information, including the right to access, correct, and delete personal information, the right to data portability, and the right to opt out of certain processing. To exercise these rights, contact us at info@setforlifeinsurance.com or by mail at the address in Contact Information below.
Data Security
We have implemented measures designed to secure your personal information from accidental loss and unauthorized access, use, alteration, or disclosure. All information you provide to us is stored on secure servers protected by encryption and firewalls.
The safety and security of your information also depend on you. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee its security when transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
Changes to Our Privacy Statement
It is our intention to post any changes we make to our Privacy Statement on this page. If we make material changes to how we treat our users’ personal information, we may notify you through a notice on the Website home page. The date the Privacy Statement was last revised is identified at the top of the page. You are responsible for periodically visiting our Website and this Privacy Statement to check for any changes.
Contact Information
To ask questions or comment about this Privacy Statement and our privacy practices, contact us at:
Set for Life Insurance
8400 E Prentice Ave, Penthouse Suite 1500
Greenwood Village, CO 80111
Phone: 303-320-3559
Email: info@setforlifeinsurance.com