Terms and Conditions of Use Last modified: January 16, 2012 Please Read Carefully. By using the FREELIFEQUOTE.COM site and any of our features, services or products you agree to all our terms and conditions that you will find below (the "Agreement"). If you do not agree with any of these terms, please stop your use or the website and any of our features, services or products immediately. For the purposes of this Agreement: i) the "Website" shall mean the site FREELIFEQUOTE.COM; ii) "Products" shall collectively mean all forms, commentaries, information and/or instructions found on the Website or otherwise provided by FREELIFEQUOTE.COM. No Attorney-Client Relationship FREELIFEQUOTE.COM is not a law firm. FREELIFEQUOTE.COM and its Products and Services do not provide nor are a substitute for legal advice. Only an attorney can provide legal advice. No Attorney-Client relationship is created by use of this Website, its Products or Services, with this Website, its owners, agents, representatives, providers, partners or affiliates. Nature of Products / Limitation of Liability ALL PRODUCTS (AS DEFINED ABOVE) AND SERVICES (AS DEFINED ABOVE) ARE PROVIDED “AS-IS.” WE DO NOT PROVIDE ANY EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, SUITABILITY OR COMPLETENESS FOR ANY OF THE PRODUCTS OR SERVICES FOR YOUR PARTICULAR NEEDS. THE PRODUCTS AND SERVICES ARE USED AT YOUR OWN RISK. IN NO EVENT WILL: I) FREELIFEQUOTE.COM , ITS AGENTS, PARTNERS, OR AFFILIATES; OR II) THE PROVIDERS, AUTHORS OR PUBLISHERS OF ITS PRODUCTS, BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATE OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER USED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THESE PRODUCTS OR THE USE OF THIS SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THESE PRODUCTS AND SERVICES ARE NOT INTENDED AS A SUBSTITUTE FOR LEGAL ADVICE AND THEY SHOULD ONLY BE A STARTING POINT FOR YOU. AN ATTORNEY (OR SOLICITOR) SHOULD BE CONSULTED FOR ALL SERIOUS LEGAL MATTERS. PRODUCTS MAY REQUIRE MODIFICATION TO SUIT YOUR PARTICULAR NEEDS AND YOUR STATE, PROVINCIAL OR TERRITORIAL LAW REQUIREMENTS. Refund of Charges Except as specifically set forth in this section, all Services are prepaid and are non-refundable. Service charges are non-refundable irrespective of non-use. Moreover, upon termination, cancellation, or suspension there is no entitlement to the refunds of any monies. Disclosure and Removal of Information We will not disclose any of your personal information to third parties without your permission except in the following circumstances: i) to protect ourselves from liability, or ii) to respond to a legal process or comply with the law. Consent to Electronic Communications and Solicitation By registering with FREELIFEQUOTE.COM , you understand that we may send you communications or data from FREELIFEQUOTE.COM including but not limited to: (i) notices about your use of the Services, including any notices concerning violations of use: (ii) updates: and (iii) promotional information and materials regarding the Products and services, via electronic mail. We give you the opportunity to opt-out of receiving electronic mail from us by following the opt-out instructions provided in the message. Third Party Content, Sites And Services The Website may contain links to other Internet sites, resources and/or sponsors of the Website. We do not verify, warrant, endorse or take responsibility for the availability, accuracy, completeness or quality of the content contained in these outside sites. FREELIFEQUOTE.COM is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by FREELIFEQUOTE.COM of the site or any association with its operators. The Services and Products may contain features and functionalities linking you or providing you with certain functionality and access to third party content, including Web sites, directories, servers, networks, systems, information and databases, applications, software, programs, products or services, and the Internet as a whole. We may also provide some content to you as part of the Services. Assignment We may assign, transfer, novate or subcontract any or all of our rights and obligations under these Terms and Conditions of Use at any time. Modifications to the Terms and Conditions We may alter these Terms and Conditions of Use from time to time and post the new version on our Website, following which all use of the Website, Services and Products will be governed by that version. You must check the Terms and Conditions of Use on the Website regularly. Entire Agreement These Terms and Conditions of Use together with our Privacy Policy, any product disclaimers, and any order form and payment method instructions, if any, constitute the entire agreement between you and us. You acknowledge that you have not entered into this agreement in reliance upon any statement, warranty or representation made by FREELIFEQUOTE.COM or any other person or entity and you irrevocably and unconditionally waive any rights to claim damages and/or to rescind these Terms and Conditions of Use by reason of any misrepresentation (other than a fraudulent misrepresentation) that is not contained in the Terms and Conditions of Use, our Privacy Policy, any product disclaimers, and any order form and payment method instructions.
Privacy Policy Last modified: January 16, 2012 This Privacy Policy applies to all of the products and services offered by FREELIFEQUOTE.COM . If you have any questions about this Privacy Policy, please feel free to contact us through our website or contact us at For Privacy Matters c/o FREELIFEQUOTE.COM. Call the toll-free number, 1-888-924-9548 in the USA Information we collect and how we use it We may collect the following types of information: • Information you provide - When you sign up for a FREELIFEQUOTE.COM Account, we ask you for personal information. We may combine the information you submit under your account with information from other FREELIFEQUOTE.COM services or third parties in order to provide you with a better experience and to improve the quality of our services. For certain services, we may give you the opportunity to opt out of combining such information. • Cookies - When you visit FREELIFEQUOTE.COM , we send one or more cookies to your computer or other device. We use cookies to improve the quality of our service, including for storing user preferences, improving search results and ad selection, and tracking user trends, such as how people search. FREELIFEQUOTE.COM also uses cookies in its advertising services to help advertisers and publishers serve and manage ads across the web and on FREELIFEQUOTE.COM services. • User communications - When you send email or other communications to FREELIFEQUOTE.COM , we may retain those communications in order to process your inquiries, respond to your requests and improve our services. When you send and receive SMS messages to or from one of our services that provides SMS functionality, we may collect and maintain information associated with those messages, such as the phone number, the wireless carrier associated with the phone number, the content of the message, and the date and time of the transaction. We may use your email address to communicate with you about our services. In addition to the above, we may use the information we collect to: • Provide, maintain, protect, and improve our services and develop new services; and • Protect the rights or property of FREELIFEQUOTE.COM or our users. If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use. FREELIFEQUOTE.COM processes personal information on our servers in the United States of America and in other countries. Information sharing FREELIFEQUOTE.COM only shares personal information with other companies or individuals outside of FREELIFEQUOTE.COM in the following limited circumstances: • We have your consent. We require opt-in consent for the sharing of any sensitive personal information. • We provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures. • We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against harm to the rights, property or safety of FREELIFEQUOTE.COM , its users or the public as required or permitted by law. If FREELIFEQUOTE.COM becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will ensure the confidentiality of any personal information involved in such transactions and provide notice before personal information is transferred and becomes subject to a different privacy policy. Information security We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data. We restrict access to personal information to FREELIFEQUOTE.COM employees, contractors and agents who need to know that information in order to process it on our behalf. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations. Accessing and updating personal information When you use FREELIFEQUOTE.COM services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems. Please review the service Help Centers for more information. Enforcement FREELIFEQUOTE.COM adheres to the US Safe Harbor Privacy Principles of Notice, Choice, Onward Transfer, Security, Data Integrity, Access and Enforcement, and is registered with the U.S. Department of Commerce’s Safe Harbor Program. FREELIFEQUOTE.COM regularly reviews its compliance with this Privacy Policy. When we receive formal written complaints, it is FREELIFEQUOTE.COM 's policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between FREELIFEQUOTE.COM and an individual. Changes to this Privacy Policy Please note that this Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes).