Privacy, Terms & Conditions

Updated: August 2023

We value your privacy, and we want to help make your experience with Premium Life Insurance Hub as satisfying and safe as possible. We have established this Privacy Policy to explain how we receive, use and share information you may provide in connection with your access to this Website.

YOUR ACKNOWLEDGEMENT. The Site is intended for use only by individuals over the age of 18 who are accessing the Site from inside the United States. By using the Site or submitting any information to us, you acknowledge that you are over the age of 18, you are in the United States and you consent to our use and sharing of information collected or submitted as described in this Privacy Policy. This Privacy Policy is incorporated into and is subject to the Site’s Terms of Use. By using the Site, you expressly consent to the terms of this Privacy Policy and the information handling practices described herein.

TYPES OF INFORMATION WE COLLECT. In connection with your use of this Site, we may collect both personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”). PII includes information such as your name, address, phone number, ZIP code, email address and similar information. Non-PII may include, for example, your IP address, browser type, domain names, access dates and similar information. (PII and Non-PII will be collectively referred to as “Information.”)

COLLECTION OF INFORMATION. We may collect information from you through your voluntary submission to receive offers from the Site or access to certain resources on the Site.

We also may collect information from your browser when you use the Site, using a variety of methods. The Information that we collect with these automated methods may include, for example, your IP address, cookie information, a unique device or user ID, browser type, system type, the content and pages that you access on the Site, and the “referring URL” (i.e., the page from which you navigated to the Site). Websites visited before visiting the Site might place Information within the URL of your browser during a visit to that previous website. We may unintentionally collect that Information as part of referring URL information. We may also use cookies on the Site to recognize you and to store references to you and session validators on your hard drive. We may use passively collected information to administer, operate and improve the Site and our other services and systems, and to provide services and content that are tailored to you. We may combine Non-PII with PII.

If we directly combine any Non-PII with PII, we treat the combined information as PII under this Privacy Policy. Otherwise, we use information collected by passive means in aggregated or other non-personally identifiable forms.

USE AND SHARING OF INFORMATION. We may use the information you provide to us for any purpose, including but not limited to: (1) providing you with materials that you have requested, (2) contacting you for the potential purchase of insurance or other financial products, (3) personalizing our contact with you, (4) operating, providing, improving and maintaining the Site, (5) developing new products and services, (6) preventing abusive and fraudulent use of the Site, (7) sending you administrative messages, content and other services and features in which we believe you may be interested; and for any other administrative and internal business purposes permitted by law.

We may share your Information with third parties that assist us in operating our business and servicing our clients. We may also disclose Information if, in good faith, it is believed that doing so is required by a subpoena or other judicial or administrative order or otherwise required by law. Additionally, we may disclose Information if, in good faith, we deem it appropriate or necessary to prevent violation of the Site’s Terms of Use or our other agreements; take precautions against liability; protect our rights, property, or safety, or of any individual, or the general public; maintain and protect the security and integrity of our services or infrastructure; protect ourselves and our services from fraudulent, abusive or unlawful uses; investigate and defend ourselves against third-party claims or allegations; or assist government enforcement agencies.

PERMISSION TO CONTACT YOU AND YOUR RIGHT TO OPT OUT OF FURTHER CONTACT. Your provision of information to us through the Website will be considered a grant of permission for us to contact you through any means provided (including but not limited to mail, phone, text message, fax, etc.). You have the right to opt out of further promotional contact from us. If, at any time, you desire to be removed from an email mailing list, please send your request to info@premierlifeinsurancehub.com. It may take up to 10 days for us to process your request. Please be aware that this opt-out only applies to future messages and that we may still send you messages for administrative purposes as permitted by law.

PROTECTION OF YOUR INFORMATION. We maintain a variety of security measures to protect against the loss, misuse and alteration of Information under our control. Although we make good-faith efforts to maintain the security of such Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining this information. We assume no liability to you or any other party in relation to the unauthorized access, use or alteration of any information provided to us.

If we become aware of a security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Site or providing Information to us, you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Site. If you believe that there has been a breach of the Site’s security, please contact us at info@premierlifeinsurancehub.com.

UPDATES TO THIS PRIVACY POLICY. We may update or amend this Privacy Policy at any time. No prior notice of any update or amendment is required, and all updates or amendments are effective upon being posted. We encourage you to periodically review this Privacy Policy to stay informed about our collection, use and disclosure of Information on the Site. Your continued use of the Site constitutes your agreement to this Privacy Policy and any updates.

CONTACTING US. If you have questions about this Privacy Policy, you may contact us at info@premierlifeinsurancehub.com.