We will collect and use personal information about you to respond to your request for products and services offered through the Site. Specifically, we collect information provided by you in connection with obtaining quotes for insurance products and services. For example, you will be asked to provide your full name, address, telephone number, email, and other information in order to be matched to insurance carriers and agents who may provide you a quote for their insurance services.
We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.
We share personal information about you under the following circumstances:
Insurance Quote Requests. If you submit a request on the Site for quotes for insurance products or services, we will share the personal information contained in your request form (such as your full name, address, telephone number, email, information about your cars, etc.) with third parties, which include insurance agents, insurance carriers, lead aggregators, and other insurance service providers (“Service Providers”) in our network to process and fulfill your request for insurance quotes. In some circumstances, we may obtain additional information about you and/or share that information with Service Providers in our network.
All Service Providers in our network have entered into agreements with us which require them to secure any personal information provided through the Site and limit how they can use such information. These Service Providers are also required to comply with federal and state privacy regulations. By submitting your request to us, you understand that Service Providers may contact you by telephone (including through automated calling or on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of SmartLifeSaver.com or one of these Service Providers. If one of the Service Providers contacts you and you wish not to be contacted again by that Service Provider with respect to your inquiry, then you should specifically make a request to that Service Provider. Please note that the Service Providers may maintain the information you provided whether or not you elect to use their services.
Here's the full list of Service Providers currently in our network:
Aggregate, Non-Personal, or De-identified Information. We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect with third parties, including our affiliates, to develop and deliver targeted advertising on our Site and on the websites of third parties and our affiliates.
To better serve our users and Service Providers and increase the response time of the Site, we use various technologies to collect information about our users, such as:
Log Files. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.
Clear Gifs. We employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site and in our HTML emails by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
By providing your contact information to us through the Site, you are registering to receive communications from us directly, on our website or through a third party. We will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to SmartLifeSaver.com Customer Care at info@SmartLifeSaver.com. You may also opt-out by clicking on the unsubscribe link in our emails.
Please note that we can only control our own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a Service Provider in our network, any use of your information by that Service Provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their email communications.
The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard personal information about you.
Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, please send your request via email to info@SmartLifeSaver.com.
We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at info@SmartLifeSaver.com. Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties.
Updated October 2013
Last updated: December 27, 2019
This policy is specific and applies only to web visitors of www.medicare.senior-savings.com (the “Site”) who are California residents, under the meaning of Section 17014 of Title 18 of the Cal. Code of Regulations. Under the California Consumer Privacy Act of 2018 (“CCPA”), up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. Please read this policy carefully as it contains important information regarding our collection, disclosure, and sale of personal information practices, in addition to instructions on how to exercise your rights regarding your personal information.
We collect and use, and have collected and used the following personal information about web visitors to the Site in the preceding 12 months:
Categories of Personal Information
Specific Types of Personal Information Collected
Identifiers, or information that identifies, relates to, describes, or is capable of being associated with, a particular individual
Internet or other electronic network activity information
Referring website address;
Web browser type and version;
Geographic region based on web browser type;
Internet service provider;
Area code and zip code associated with your web server;
Time and date of your visit to the Site;
Time spent on the Site;
Behavioral data (opens, clicks)
Products or services purchased, obtained, considered
Inferences drawn from any of the above information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, behavior, etc.
Inferences about an individual’s propensity to respond to a particular email advertisement
We collect the above personal information directly from you via the Site, including from cookies on the Site. We use and store cookies on your computer to facilitate and customize your use of our Site. A cookie is a small data text file, which is stored on your computer's hard drive (if your web browser permits) that can later be retrieved to identify you to us. Cookies make your use of the Site easier, make the Site run more smoothly, and help us to maintain a secure Site. The cookies may collect information about you, such as the referring website address, your IP address, your browser type and version, your Internet service provider, the area code and zip code associated with your server, the time and date of your visit, and the time spent on the Site.
We collect personal information through your clicks on the Site, including whether you indicated a need for a particular service or product featured on the Site, and all personal information that you have submitted through the Site in conjunction with your request. We also collect information on whether you responded to a particular advertisement featured on the Site, and which third party advertisements and links you click through the Site.
The collection of personal information in the category of “Identifiers, or information that identifies, relates to, describes, or is capable of being associated with, a particular individual” is required to: 1) provide you with the ability to access and interact with the Site; 2) to connect you with the particular services or products featured on the Site which you indicate a need for; and 3) to provide advertising services to you through Facebook and Criteo.
The collection of personal information in the category of “Internet or other electronic network activity information” is required to: 1) provide you with the ability to access and interact with the Site; 2) to connect you with the particular services or products featured on the Site which you indicate a need for; 3) for the purposes of tracking consumer interaction with the Site, detecting security incidents, or protecting against malicious, deceptive, fraudulent, or illegal activity, and debugging to identify and repair errors that affect functionality; 4) advertising/marketing services; 5) analytics and internal research; and 6) and verifying or maintaining quality or safety.
The collection of personal information in the category of “commercial information” is required to: 1) connect you with the particular services or products featured on the Site which you indicate a need for; 2) advertising/marketing services; and 3) analytics and internal research.
The collection of personal information in the category of “inferences drawn from any of the above information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, behavior, etc.” is required for: 1) advertising/marketing services; and 2) analytics and internal research.
We have disclosed personal information to third parties about our visitors within the preceding 12 months. Namely, we disclose personal information in all of the above categories to our third party lead buyers and lead aggregators, including whether you indicated a need for a particular service or product featured on the Site, and all personal information that you have submitted through the Site in conjunction with your request. We also disclose personal information in all of the above categories to our third party advertising partners, namely the owners of the brands that are featured on the Site, as well as third party advertising networks. We also disclose personal information in all of the above categories to our third party service providers who log user experiences, assist with form population, and perform retargeting. We also disclose personal information in all of the above categories to our third party publishers for the purpose of tracking their clicks/conversions.
Under the definitions of “Sell” and “Sale” in the CCPA, we do not sell your personal information.
A “request to know” is request related to the personal information that a business has about such consumer. It may include a request for any or all of the following:
1) specific pieces of personal information that we have about you;
2) categories of personal information we have collected about you;
3) categories of sources from which the personal information was collected;
4) categories of personal information that we have sold or disclosed for a business purpose about you;
5) categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
6) the business or commercial purpose for collecting or selling the personal information.
The CCPA permits requests to know from the same consumer up to twice in a twelve (12) month period.
To submit a request to know, please click here, or email your request to privacyrights@SmartLifeSaver.com. To process your request, we will require that you submit your name, email address, and/or phone number in conjunction with your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may request proof of your consent to utilize such authorized agent as well as verification of your own identity, before processing the request. We will only use the information which you submit to us in conjunction with your request to know for the express purposes of verification and providing you with responsive information to your request, if required.
You have the right to request the deletion of any personal information which we have collected about you, or which we maintain. To submit a verifiable request to delete, please click here, or email your request to privacyrights@SmartLifeSaver.com. To process your request, we will require that you submit your name, email address, and/or phone number in conjunction with your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may request proof of your consent to utilize such authorized agent as well as verification of your own identity, before processing the request. We will only use the information which you submit to us in conjunction with your request to know for the express purposes of verification and providing you with responsive information to your request, if required.
We are required to utilize a two-step process for online requests to delete, whereby you clearly submit your request to delete, and second, we must separately confirm that you want your personal information deleted.
To the extent that your personal information is necessary for us to maintain for a reason delineated in Cal. Civ. Code § 1798.105(d), including but not limited to complete a transaction for which the personal information was collected, provide a good or service you have requested, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, debug, etc., or to comply with a legal obligation, we are not required to comply with your request for deletion. For instance, we are not required to delete personal information which is necessary to maintain suppression files for those individuals who have opted out of receiving email marketing from us. If we are unable to verify your request, we will notify you as well.
California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. Notwithstanding the above, a business can charge a consumer a different rate or price, or provide a different level or quality of goods or services, if that difference is reasonably related to the value provided to the consumer by the consumer’s data. Further, notwithstanding the above, a business may offer financial incentives for the collection of personal information, the sale of personal information, or the deletion of personal information, and may also offer a different price, rate, level, or quality of goods or services to the consumer if that different is directly related to the value provided to the consumer by the consumer’s data.
If you have any questions or concerns regarding your California privacy rights, or our privacy practices, please email privacyrights@SmartLifeSaver.com, or contact us by mail at 1732 1st Ave #20257, New York, NY 10128. Further, if you have a disability which interferes with your ability to access this policy, accommodations can be made to present the policy in an alternative format, to assist you. If you would like to receive this information in another format that is accessible to your needs (for example: audio, large print, etc.) please email privacyrights@SmartLifeSaver.com.