Privacy Policy

At AFS LLC. , we are committed to protecting online user privacy. This “Privacy Policy” discloses the privacy practices governing our knowing collection, use, and disclosure of information. In order to ensure your privacy, information we collect is used only in the manner and for the purposes described below.

Anonymous User Information: AFS LLC. collects some anonymous information each time you visit AFS LLC. so we can improve the overall quality of your online experience. We collect your IP address, referral data, and browser and platform type. You do not have to register with AFS LLC. before we can collect this anonymous information. We do not collect any unique information about you (such as your name, e-mail address, etc.) except when you specifically and knowingly provide such information. AFS LLC. does not require you to share information that identifies you personally, such as your name or email address, in order for you to use the AFS LLC. quotes. AFS LLC. assigns an anonymous ID number to your requests and links the following additional data to that number: the date and time you visited AFS LLC. , your quote terms, and the links upon which you choose to click. If you request more information on a policy or an application we will collect your personal information only so that we can get you the information you have requested. Like most standard Web site servers, we use log files to collect and store this anonymous user information. We analyze this information to examine trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. AFS LLC. may present links in a format that enables us to understand whether they have been followed. We use this information to understand and improve the quality of the AFS LLC. quote engine.

Cookies: We use a feature of Internet web browsers called a “cookie,” which is a small file that is sent to your computer when you visit a website. This enables us to store user preferences and track user trends and search patterns. We use cookies to improve the quality of the AFS LLC. services and to better understand how users interact with us. We do not and cannot use Cookies to retrieve individual personally identifiable information about you from your computer unless you knowingly and willingly provided such information. The cookie technology we use cannot obtain information from your hard drive or pass on a computer virus. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some AFS LLC. features or services may not function properly without cookies.

Information security: We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. We restrict access to your personally identifying information to employees who need to know that information in order to operate, develop or improve our services.

Aggregated General Information: We may share aggregated general information about our site with our corporate partners or others. Examples of this include the number of users who searched for “Life Insurance”, the daily number of unique visitors, or how many users clicked on a particular advertisement. Aggregated data does not contain any personally identifiable information that could be used to contact or identify you. Information sharing We may share personally identifying information to other companies or individuals in any of the following limited circumstances:

OPT-IN NOTICE: By submitting an insurance quote request, You Expressly “Opt In” To Receive Information And Grant Us Permission To Share Your Information By submitting an insurance quote request, you expressly opt in to receive future information about products and services from us and from a variety of advertisers to whom we may provide your Information. We will share your personal information with third parties, for any reason we choose, including without limitation for the following purposes: (1) to submit additional insurance offers (including the transfer of the information to advertisers or to third parties who maintain on our behalf a list of persons having request an insurance quote), (2) to permit advertisers or other third parties to use your Information for any purpose such as contacting you by email, phone, sms text message, U.S. mail or any other means of communication for any purpose, (3) to confirm you have completed all of the necessary steps to receive your insurance quote, and (4) as we are required to do by law. As a result, we will transfer your Information to third parties whose privacy policies and practices are beyond our control.
* We have your consent.
* We provide such information to trusted businesses or persons for the sole purpose of processing personally identifying information on our behalf. When this is done, it is subject to agreements that oblige those parties to process such information only on our instructions and in compliance with this Privacy Policy and appropriate confidentiality and security measures.
* When required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a criminal investigation, a court order, or legal process served on our Web site. We may also share your personal information if we believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of AFS LLC. ’s terms of use, or as otherwise required by law.
* If you have an account, we may share the information submitted under your account among all of our services in order to provide you with a seamless experience and to improve the quality of our services. We will not disclose your account information to other people or non-affiliated companies, except in the limited circumstances described in this Policy or with your consent.
* We may store and process personal information collected on our site in Canada or any other country in which AFS LLC. or its agents maintain facilities. By using our services, you consent to the transfer of your information among these facilities, including those located outside your country.
* AFS LLC. may use third party service providers to serve ads and emails on our behalf. These companies may use technologies to measure the effectiveness of