Privacy Policy

CIGI Direct Insurance Services, Inc.
www.eterm.com

Our Commitment to Your Privacy

Protecting your privacy is very important to us. Eterm.com is owned by CIGI Direct Insurance Services, Inc. We value your trust and we want you to understand what information we collect, how we protect it and how we use it. We treat personal information with respect and in accordance with this Privacy Policy. Personal information is essential to CIGI in meeting our goal to provide you with our products and services.

This Privacy Policy is designed to provide information regarding how we collect, use and disclose personal information we gather when you visit eterm.com. This Privacy Policy is currently applicable only to United States customers and visitors when they interact with our website. This site is intended for United States customers only.

We maintain procedures and technology designed to prevent unauthorized access to personal information. We maintain physical, electronic and procedural protections in accordance with applicable standards. Our web site uses Secure Socket Layer (‘SSL’) encryption technology to protect your information. This ensures that no one can read your personal information in transit. Website data is encrypted through a digital certificate supplied. If you prefer not to provide personal information through the Internet, you can call us toll-free to receive rate quotes and other coverage information by phone. Our licensed, salaried representatives are available from 7:30 a.m to 5:00 p.m. Mountain Time, Monday through Friday.

Our Privacy Policy

We may obtain information to provide you products and services, to determine your eligibility for products and services and to administer your account. We may collect identification, contact, transaction and experience information, for example, from you and outside companies. Examples of the sources and types of information we may collect include:

• We need current health and financial information, employment, lifestyle, family history about you to assist in most accurately quoting insurance rates and recommending products to meet your specific needs. We collect personal information that you provide to us on order forms, applications and in interviews. In some cases, we may also receive information from other sources in the course of processing or administering your life insurance requests, applications or policies.
• We may obtain a credit report from credit reporting agencies and other similar companies. We do not use your credit report to determine your eligibility for insurance and we do not share your credit report with anyone else.
• We will share your personal, financial, and health information only with authorized employees, representatives, and trusted third parties, whose services are required to assure the highest level of service to you. We will not disclose any non-public personal information about you except as authorized by law, as described in this privacy statement or as otherwise communicated to you. We may use the email address you provide to send a period updated quotes or information. This updated quote to your email address may contain your date of birth. Because we share your concern for privacy, we will not provide your health information to anyone except the insurance companies selected by you, except as described above.
• We may cooperate with other reputable financial institutions in order to bring additional products and services to your attention. We will disclose only financial information that is necessary to such individuals or companies who perform services on our behalf, or to trusted financial institutions with whom we have cooperative agreements. We will choose these partners carefully and hold them to our own high standards of respect for your privacy.
• For each visitor to our Web site, our Web server may automatically recognize and record the visitors domain, click stream, number of visits, time spent, pages viewed, data entered and other statistics. We may use this data to monitor site performance and make the site easier to use. We may use the individual visitor data to improve the site and the services we provide. Additionally, we may aggregate statistics we gather and provide these statistics to third parties.
• Cookies are used by our Web site to enhance your Web viewing experience. Cookies may be used to record past activity in order to provide a better service when you return.
• We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.
• We do not knowingly solicit information from children and we do not market our products or services to children.
• We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or state insurance authorities.
• We reserve the right to modify our Privacy Policy at any time. If we make material changes, where required by law, we will provide our current customers with a revised notice and give them a reasonable opportunity to opt out, where permitted, of the disclosure of information under the revised Privacy Policy. We will post our current Privacy Policy on our Web site.
• You have the right to see and correct any personal information we may collect about you. If you believe any of the information we have collected about you is erroneous, we would appreciate your assistance in making corrections.

You can visit our site anonymously.

The data we request on the website is used only for the purpose of generating rate quotes, pre-applications for coverage, or requests for additional information. We ask only the minimum amount of information needed to produce a quote (date of birth, state of residence, gender, tobacco use status, build, rate guarantee period desired, and face amount desired). In addition, we allow you the option of providing us additional information (name, address, phone, e-mail). Unless you send it to us for a pre-application, request for additional information, or as part of a general comment, we do not retain this data beyond your user session. Moreover, we do not disclose this information to any outside entities. This site may contain links to other websites. Eterm.com/CIGI Direct is not responsible for the privacy practices of such other sites. Our privacy policy applies only to data collected by or on behalf of Eterm.com and CIGI Direct.

We follow industry standard data-protection methods.

All personally identifiable data you provide to us via the website is encrypted using Secure Sockets Layer (SSL) protocol. This ensures that no one can read your personal information in transit. Website data is encrypted through a digital certificate supplied. If you prefer, you can speak directly to one of our representatives. If you prefer not to provide personal information through the Internet, you can call us toll-free to receive rate quotes and other coverage information by phone. Our licensed, salaried representatives are available from 7:30 a.m to 5:00 p.m. Mountain Time, Monday through Friday. We provide your personal information to insurance companies only with your approval. When you apply for coverage, your personal information is provided to the insurance company or other service providers in the course of underwriting your application, according to the guidelines of the disclosures and information releases you sign as part of your application paperwork. Where permitted by law, your information may be used to request credit, medical and/or driving records from a third party. This information is used by the insurance company only for underwriting your application. Eterm.com/CIGI Direct does not provide this underwriting information to third parties for marketing or other purposes without your express permission unless required by law to do so (subpoenas, criminal investigations, etc.). Under no circumstances will we sell your personal information to third parties.

Your information is secure in our offices.

We have policies in place to protect your personally identifiable information from unauthorized access. All our employees are educated on security and confidentiality practices. We have disciplinary procedures in place to enforce employee privacy responsibilities. The servers on which personally identifiable information is stored are maintained in a secure environment, available only to employees who have a business reason to access them.