Privacy Policy
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions.
The following definitions shall have the same meaning regardless of whether they appear in singular or
plural.
Definitions
For the purposes of this Privacy Policy:
- Account means a unique account created for You to access our Service or parts of our
Service.
- Business, for the purpose of the California Consumer Privacy Act (the “CCPA”), refers
to Americanbenefitsforhomes.com as the legal entity that collects Consumers’ personal information and
determines the purposes and means of the processing of Consumers’ personal information, or on behalf of
which such information is collected and that alone, or jointly with others, determines the purposes and
means of the processing of Consumers’ personal information.
- Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement)
refers to Americanbenefitsforhomes.com.
- Consumer, for the purpose of the CCPA, means a natural person who is a California
resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other
than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is
outside the USA for a temporary or transitory purpose.
- Cookies are small files that are placed on Your computer, mobile device, or any other
device by a website, containing details of Your browsing history on that website among other uses.
- Country refers to the United States.
- Device means any device that can access the Service such as a computer, a cellphone, or
a digital tablet.
- Do Not Track (DNT) is a concept promoted by US regulatory authorities, in particular
the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism
for allowing internet users to control the tracking of their online activities across websites.
- Personal Data is any information that relates to an identified or identifiable
individual. For the purposes of the CCPA, Personal Data means any information that identifies, relates
to, describes, or is capable of being associated with, or could reasonably be linked, directly or
indirectly, with You.
- Sale, for the purpose of the CCPA, means selling, renting, releasing, disclosing,
disseminating, making available, transferring, or otherwise communicating orally, in writing, or by
electronic or other means, a Consumer’s Personal information to another business or a third party for
monetary or other valuable consideration.
- Service refers to the Website, as well as the service of generating and sharing
information with third-party affiliates for the purpose of providing life insurance and related
products.
- Service Provider means any natural or legal person who processes data on behalf of the
Company. It refers to third-party companies or individuals employed or otherwise engaged by the Company
to facilitate the Service, to provide the Service on behalf of the Company, to perform services related
to the Service, or to assist the Company in analyzing how the Service is used.
- Third-party Social Media Service refers to any website or any social network website
through which a User can log in or create an account to use the Service.
- Website refers to Americanbenefitsforhomes.com, accessible from
www.Americanbenefitsforhomes.com.
- You means the individual accessing or using the Service, or the company, or other legal
entity on behalf of which such individual is accessing or using the Service, as applicable.
Collecting & Using Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that
can be used to contact or identify You. Personally identifiable information may include, but is not limited
to:
- Email address
- First name and last name
- Phone number
- Address, State, Province, ZIP/Postal code, City
- Coverage information/amounts in which you may be interested
- Usage Data
- Mortgage Debt
- Mortgage Payments
- Health History
- Age
- Policy Payout Relationship
- Beneficiary Name
Usage Data
Usage Data is collected automatically when using the Service. It may include information such as Your
Device’s Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our
Service that You visit, the time and date of Your visit, the time spent on those pages, unique device
identifiers, and other diagnostic data.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain
information. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent.
However, if You do not accept Cookies, You may not be able to use some parts of our Service.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
- To provide and maintain our Service, including to monitor the usage of our Service.
- To manage Your requests: To attend and manage Your requests to Us.
- To contact You: To contact You by email, telephone calls, SMS, or other forms of electronic
communication, regarding the Service.
- To share with our affiliates: We share the information collected with our business partners and
affiliates to provide related products and services in which You may be interested.
- For Business transfers: We may share or transfer Your personal information in connection with, or during
negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of
our business to another company.
- With Service Providers: We may share Your personal information with Service Providers to monitor and
analyze the use of our Service and to contact You.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this
Privacy Policy.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company’s operating offices and in any other
places where the parties involved in the processing are located.
Disclosure of Your Personal Data
- Business Transactions: If the Company is involved in a merger, acquisition, or asset
sale, Your Personal Data may be transferred.
- Law Enforcement: Under certain circumstances, the Company may be required to disclose
Your Personal Data if required to do so by law or in response to valid requests by public authorities.
- Other Legal Requirements: The Company may disclose Your Personal Data in the good faith
belief that such action is necessary to comply with a legal obligation.
Security of Your Personal Data
While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its
absolute security.
CCPA Privacy
Your Rights Under the CCPA
- The right to notice.
- The right to access / request details about the Personal Data collected.
- The right to say no to the sale of Personal Data.
- The right to delete Personal Data collected in the past 12 months.
- The right not to be discriminated against for exercising any of Your Consumer’s rights.
Exercising Your CCPA Data Protection Rights
To exercise any of Your rights under the CCPA, and if you are a California resident, You can email or call us
or visit our contact page.
Do Not Sell My Personal Information
We do not sell personal information to anyone other than our Service Providers. If you wish to opt out,
please contact us.
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. We strongly advise You to review
the Privacy Policy of every site You visit.
Changes to This Privacy Policy
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new
Privacy Policy on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
