Privacy Policy

PRIVACY POLICY

At apbenner.com, LLC (“we”, “us”, or “our”), privacy is a top priority, and we are committed to protecting the personal information of our customers. This Privacy Policy provides details on how we treat any personal information you may submit to us. If you provide any personally identifying information to us, we want you to understand our efforts to protect that information which are outlined in the following sections of this Privacy Policy.

WHY WE COLLECT YOUR INFORMATION

We will collect and use personal information about you and provided by you to respond to your request for products and services offered through the apbenner.com website (the “Site”). Depending on the product and services you’ve chosen, the insurance company may use this information to begin the process of determining the insurability of each applicant and to obtain insurance quotes you are seeking. Specifically, your information should help us assist you with selecting a licensed insurance agent. In addition, we collect your information to contact you (if necessary) during your application.

HOW WE USE YOUR INFORMATION

In addition to what we’ve referenced above, we use information you provide on the apbenner.com website (the “Site”) to gather quotes from the appropriate third-party insurance companies that we consider to be trustworthy – with the intent that they, in turn, provide you with insurance information you’re seeking. Also, based on the details you’ve provided, both we, and the third parties, may use this information to contact you about additional products and services that may be of interest to you. If you do not wish to receive offers for insurance or for additional products or services, you should not provide personal information or contact information through this site. Also, if you have already provided personal and/or contact information to us, you may review the Section entitled How to Change or Remove Your Information below (which provides you with an opportunity to Opt-Out from receiving specialBusinads offers). However, to opt-out from our third-party business partners with whom you may have already been in contact, you would need to follow their opt-out processes accordingly.

INSURANCE QUOTE FORM

Our site features a brief form you complete to view rates from various insurance companies. If you provide contact information such as your email or phone number, we view this as your express invitation that you should be contacted about insurance products or services even if you are on state or federal “Do Not Call” lists.

HOW INSURANCE CARRIERS USE YOUR INFORMATION

We will submit all the information we gather from you during the quote process to the insurance carrier you selected – and to any insurance producer or agent you may have chosen. Insurance companies use personally identifiable information to determine your final insurance eligibility and rates. Insurance underwriting criteria may vary for each participating insurance company, and each company may place a different emphasis on information in your application.

SALE ASSETS OF SALE OF Businads

If in the future, Businads or substantially all of its assets are acquired, the information we collect through this website from you or other customers will likely be transferred to the acquiring party.

HOW WE COMMUNICATE WITH YOU

We may contact you by telephone to verify information and to assist you with your life insurance quote. We may also contact you by phone, email or by postal mail to verify information, to assist you with your life insurance quote or application, to conduct surveys, to provide you with additional information regarding product or service announcements and to make you aware of special offers or other money-saving opportunities.

QUOTE REQUEST

Your decision to provide personal contact or medical information is strictly voluntary. If you elect to provide personal or contact information through the Site, we may use or disclose the information you provide to other third parties as described above, and those third parties may use the information to send relevant offers which we, or our third parties, believe would be of interest to you. If you wish to Opt-Out from receiving any future offers from Businads, please see the section below entitled “How to Change or Remove Your Information” or click here to Opt-Out. Please note that even if you select to Opt-Out after providing your information through this site, the third parties may still contact you. As such, if you do not wish to be contacted, do not provide any personal contact information through this site.

COOKIES

A cookie is a small text file saved on your computer’s hard drive and stored in memory while your (internet) browser is running. Cookies make it easier for an internet user to navigate the World Wide Web and to complete transactions over the internet. We may contract with certain partners that utilize ad serving technology. To gauge the effectiveness of advertisements, a campaign number is assigned to the vendor for which you came to visit our site. This will remain on your web page URL when you return to our site. You may elect to disable cookies in your browser or also clear your browsing history to better ensure the cookies may be removed. Please refer to your computer or operating system user manual for information on how to disable cookies or also clear your browsing history.

THIRD-PARTY ADVERTISING AND YOUR AD CHOICES

We use third-party advertising companies on our site. Some of these advertisers may use technology such as cookies that collect information when they advertise on our site. Some of these companies may use this information (which does not include personally identifiable information such as your name or email address) about your visits to the Site and other websites in order to provide advertisements about goods and services of interest to you.

If you would like more information about this practice and to know your choices about not having this information shared with or used by these companies, you may visit one the advertising industry approved choice mechanisms at apbenner.com and follow the instructions on how to opt-out. We have a timely response to Web browser “do not track” signals or other mechanisms that our consumers utilize to exercise choice regarding the collection of their personal information about their online activities over time.

A SPECIAL NOTE ABOUT CHILDREN’S PRIVACY

You must be at least 18 years old to use the Site. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. If you are under the age of 18, you are not permitted to provide any information, including Personal Information, through the website for any purpose. Please see our Terms of Use for more information.

INFORMATION RELEASE AND SECURITY

Unless you give us permission to do so, or as otherwise required or permitted by law, we do not willfully use or disclose Personal Information to third parties for any purpose other than as described in this Privacy Policy. We have security provisions in place to help protect your information. 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, technical and procedural safeguards that comply with or exceed federal standards to guard Personal Information about you. However, please be aware that no security system is impenetrable.

HOW TO CHANGE OR REMOVE YOUR INFORMATION

If you have received a communication from us in error, or if you wish to change or update your information, please email us at [email protected] with your request, and we will promptly remove your contact information from our database. Please note that third-party advertisers which maintain their own mailing lists may send communications that advertise or mention our services. You would need to contact these third parties directly in order to stop receiving their communications, unless otherwise provided by applicable law.

THIRD-PARTY LINKS

This Privacy Policy applies to all information that you provide on the Site. However, when you visit websites to which apbenner.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third-party site, the data collected by the third party is governed by that third-party’s privacy policy. A third-party website should also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

YOUR AGREEMENT

By using the Site, you signify your assent to this Privacy Policy. If you do not agree to this policy, please do not use any portion of the Site. When you request insurance quotes or other information through the Site, you are authorizing us to share information with us and our trusted third parties, who may contact you by phone, email or mail. If you do not want further communication from them, please notify the partner or business directly. If you ever have questions about our Privacy Policy, please email us at [email protected]. We take your privacy very seriously.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to make changes to this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will prominently post notice about such changes on the Site. However, you should check this Privacy Policy each time you use the Site to ensure that you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our Site after we have posted any Privacy Policy changes indicates your agreement to the changes unless you notify us otherwise.

Last Updated: Oct 2022