Outlook Life is a licensee of TRUSTe Privacy Program.
TRUSTe is an independent, non-profit
organization whose mission is to build users' confidence
in the Internet by promoting the use of fair information
practices. This privacy statement covers the site
www.outlooklife.com.
Because this website wants to demonstrate its commitment
to your privacy, it has agreed to disclose its
information practices and have its privacy practices
reviewed for compliance by TRUSTe.
If you have questions or concerns regarding this
statement, you should first contact Outlook Life
Customer Service by 866-866-0242. If you do not
receive acknowledgement of your inquiry or your inquiry
has not been satisfactorily addressed, you should then
contact TRUSTe at
http://www.truste.org/consumers/watchdog_complaint.php.
TRUSTe will then serve as a liaison with the Web site to
resolve your concerns.
What information do we gather and how is it used?
Outlook Life provides
you with related tools and information to assist you in
shopping for and obtaining products and services online.
Most of all the tools and information are available for
your benefit without the need to disclose any personally
identifiable information. If you decide to request an
application or online quote, we require you to submit
personal information to give you an accurate quote. We
collect information that includes your name, e-mail
address, health information, mailing address and
telephone numbers. A representative from an Outlook
Life subsidiary will contact you to complete your online
request by telephone so that additional information can
be obtained. When information is provided to Outlook
Life or an Outlook Life subsidiary online, it is
protected in the same way that all information provided
to Outlook Life is protected. (See Security
below) Outlook Life will not sell, trade, lease or
rent any personally identifiable information to any
other companies or organizations. Depending on your
needs and preferences, we employ a variety of methods to
communicate with you. These methods may include:
Contact by telephone to verify information and to assist
you with your life insurance application request or
policy.
Contact by direct mail to assist you with your life
insurance application request or policy.
Insurance Rate Comparison Form: A brief form you complete to view rates from various
insurance companies. The form requires information
such as your state of residence and date of birth to
generate the best possible insurance rate
comparisons. Providing contact information such as
your e-mail or phone number will be viewed as your
express invitation that we may contact you
about insurance, even if you are on a state or
federal "Do Not Call" list.
Contact by email to verify information, to assist you
with your life insurance application request or policy,
to conduct surveys, and to provide you with additional
insurance information, service announcements, special
offers or other money saving opportunities. Outlook Life will
not knowingly solicit data from children, and we will
not knowingly market to children. Outlook Life may share
aggregated statistical information such as website
traffic or demographic information with its business
partners; however, in no case will your personally
identifiable information be disclosed. We retain your
personal information for 30 days. Outlook Life may send
you e-mail communications to update you on website
features or new benefits that may be of interest to you.
If at anytime you choose not to receive these e-mails,
you may e-mail us at:
communication@outlooklife.com
or reach us by mail at PO Box 17634 Fountain Hills, AZ
85269, to be removed from the mailing list.
Cookies
A cookie is a piece of
data stored on the user’s computer tied to information
about the user. Usage of a cookie is in no way linked to
any personally identifiable information while on our
site. We use both session ID cookies and persistent
cookies. For the session ID cookie, once users close the
browser, the cookie simply terminates. A persistent
cookie is a small text file stored on the user’s hard
drive for an extended period of time. Persistent cookies
can be removed by following Internet browser help file
directions.
If users reject the
cookie, they may still use our site. Persistent cookies
enable us to track and target the interests of our users
to enhance the experience on our site.
Outlook Life will utilize
third-party cookies to enable us to recognize certain
types of non-personally identifiable information, such
as a visitor's IP address, browser version type,
operating system, Internet service provider, and time
zone. The collection of this aggregated user information
helps Outlook Life improve the effectiveness of our
content delivery that we believe will be of most
interest to you.
Web beacons
Some pages on our site may
contain electronic images known as Web beacons, or
single-pixel GIFs. These Web beacons collect certain
types of non-personally identifiable information, such
as a visitor's cookie number, time and date of a page
view and a description of the page where the Web beacon
is placed. The information collected using these Web
beacons does not identify individual users of our Site.
Security
The security of your
personal information is important to us. When you enter
sensitive information (such as your social security
number or credit card number) on our registration or
order forms, we encrypt that information using secure
socket layer technology (SSL). To learn more about SSL,
please use the following link:
https://smarticon.geotrust.com/smarticonprofile?Referer=http://www.outlooklife.com.
We follow generally accepted industry standards to
protect the personal information submitted to us, both
during transmission and once we receive it. No method
of transmission over the Internet, or method of
electronic storage, is 100% secure, however. Therefore,
while we strive to use commercially acceptable means to
protect your personal information, we cannot guarantee
its absolute security.
If you have any questions about security on our Web
site, you can contact us via email at
communication@outlooklife.com.
Testimonials
We post customer testimonials on our web site which
may contain personally identifiable information such as
the customer's name. We do obtain the customer's
consent prior to to posting the testimonial to post
their name along with their testimonial.
Notification of Changes
If at some point in the
future, there is a change to our information usage
practices that affect your Personally Identifiable
Information, we will notify you by email of the relevant
changes. The email will inform you on how to opt-out of
this information usage or you can opt-out by sending a
message to the following email:
communication@OutlookLife.com.
You should also check this posted privacy statement for
changes.
Notification of Offers
In the future, Outlook Life may provide
you with information about offers by mail, phone, fax,
or e-mail that may interest you. When you fill out our
quote or Application request form you are explicitly
initiating a relationship with us (as defined by the
National Do Not Call Registry), inviting and consenting
to the receipt of information by OutlookLife which may
be received by mail, phone, fax or e-mail, and, as such,
you are indefinitely waving any right to claim that we
contacted you without your express consent.
We will immediately honor any request to be placed on
our internal "do not contact" list.
If you would like to unsubscribe from receiving e-mail
advertisements from Outlook Life, follow the
instructions in the advertisement itself, or simply
Unsubscribe online. Please note that it can take up to
10 days to process your request.
Correct/Update
This site gives users
the following options for changing and modifying
information previously provided.
1. Call us at (866) 866-0242 or send an e-mail to
communication@outlooklife.com.
2. Send mail to the following postal address:
Outlook Life L.L.C.
16921 E. Palisades Blvd
Suite 109
Fountain Hills, AZ 85268
3. We will confirm your information has been updated by
sending you an email with your updated information.
There are no limitations to your ability to change
personal information, however please allow 5 business
days for these changes to be made and a confirmation to
be issued.
Surveys
From time-to-time our
site requests information from users via surveys.
Participation in these surveys is completely voluntary,
and the user has a choice whether or not to disclose
this information. Information requested may include
contact information (like name and mail address) and
demographic information (such as zip code, age and
gender). Survey information will be used for purposes of
monitoring or improving the use and satisfaction of this
site.
Log Files
We use your IP address
to analyze trends, administer the site, track the user’s
movement, and gather broad demographic information (for
aggregate use). Your IP address is not linked to your
personally identifiable information.
Links to other Websites
This site contains links
to other sites that are not under our control. These
websites have their own policies regarding privacy.
Outlook Life is not responsible for the privacy
practices or the content of other websites. For your own
protection, you should review their policies upon
visiting these other sites to make sure they respect
your privacy.
Often time, other Web
sites refer their users to the Outlook Life or
subsidiary Web sites. These sites often pass a
non-personally identifiable digit to the Outlook Life
Web site.
Agents
We utilize in-house
Insurance Agents to review and process your life
insurance request. These agents do not retain, share,
store or use personally identifiable information for any
other purposes.
Legal Disclaimer
Though we make every
effort to preserve your privacy we may need to disclose
personal information when required by law or in the
good-faith belief that such action is necessary in order
to conform to the edicts of the law or comply with a
legal process served on our Web site.
Contacting Us
If you have any
questions about this privacy statement, the practices of
this site or your dealings with this website, you can
contact us at:
