Privacy Policy
Last Updated on July 16th, 2019
Privacy Policy
Networth Insurance Services, LLC ("Company") is committed to protecting your privacy. We have prepared this Privacy Policy to describe to you our practices regarding the Personal Data (as defined below) we collect from users of our website, located at
www.CoverFinalExpense.com (the "Site") and related services (collectively, "Services").
1. USER CONSENT. By submitting Personal Data through our website, Products, or
related services, you agree to the terms of this Privacy Policy and you expressly
consent to the processing of your Personal Data in accordance with this Privacy Policy.
2. A NOTE ABOUT CHILDREN. We do not intentionally gather Personal Data about
visitors who are under the age of 13.
3. A NOTE TO USERS OUTSIDE OF THE UNITED STATES. Your Personal Data may
be processed in the country in which it was collected and in other countries, including
the United States, where laws regarding processing of Personal Data may be less
stringent than the laws in your country. BY USING OUR SITE OR SUBMITTING
PERSONAL DATA THROUGH OUR SITE OR SERVICES, YOU EXPRESSLY
CONSENT TO THE PROCESSING OF YOUR PERSONAL DATA ACCORDING TO
THIS PRIVACY POLICY.
4. TYPES OF DATA WE COLLECT. Company collects Personal Data and Anonymous
Data from you when you visit our site, when you send us information or
communications, and/or when you download and use our Products. "Personal Data"
means data that allows someone to identify or contact you, including, for example, your
name, address, telephone number, e-mail address, as well as any other non-public
information about you that is associated with or linked to any of the foregoing data.
"Anonymous Data" means data that is not associated with or linked to your Personal
Data. Anonymous Data does not permit the identification of individual persons. We
collect Personal Data and Anonymous Data, as described below.
Personal Data You Provide to Us. We collect Personal Data from you, such as your
email address when you provide it voluntarily on the Site. If you provide us feedback
or contact us via e-mail (e.g., in response to an employment opportunity posted on our
website), we will collect your name and e-mail address, as well as any other content
included in the e-mail, in order to send you a reply, and any information that you submit
to us, such as a resume. When you participate in one of our surveys, we may collect
additional profile information. When you post messages on the message boards of our
website, the information contained in your posting will be stored on our servers and
other users will be able to see it. We also collect other types of Personal Data that you
provide to us voluntarily, such as your Twitter name or Facebook profile. We may
also collect Personal Data, such as demographic information from you via the Products
or at other points in our website that state that Personal Data is being collected.
Personal Data Collected via Technology. To make our Site, products, and related
services more useful to you, our servers (which may be hosted by a third party service
provider) collect Personal Data from you, including your IP address or HTTP referrer.
We also use Cookies (as defined below) and navigational data like Uniform Resource
Locators (URL) to gather information regarding the date and time of your visit and the
solutions and information for which you searched and which you viewed. Like most
Internet services, we automatically gather this Personal Data and store it in log files
each time you visit our website or access your account on our network. "Cookies" are
small pieces of information that a website sends to your computer's hard drive while you
are viewing a web site. We may use both session Cookies (which expire once you close
your web browser) and persistent Cookies (which stay on your computer until you
delete them) to provide you with a more personal and interactive experience on our
website. Persistent Cookies can be removed by following Internet browser help file
directions. If you choose to disable Cookies, some areas of our website may not work
properly. We have also enabled Google Analytics features, including Demographics and
Interest Reporting to gather demographic information provided by these features. You
can opt-out of Google Analytics for Display Advertising and customize Google Display
Network ads by changing your Google Ads Settings.
NetWorth Insurance Services is a member of the Digital Advertising Alliance (DAA)
self-regulatory program and adheres to the DAA self-regulatory Principles for Online
Behavioral Advertising. We work with a variety of advertisers, ad networks and analytics
companies (“Ad Partners”) that collect information about your use of our services. You
can opt out of the use of interest-based advertising at any time by visiting the Digital
Advertising Alliance consumer choice page.
Our Relationship with Social Networking Sites. We have created, and may offer
You, interfaces that allow You to connect with social networking websites such as
Facebook and Twitter ("SN Sites") through our Site. We will work with the SN Site's
application protocol interface (better known as their developer API) in a way that allows
You to authorize us to access Your account on that SN Site on Your behalf. In order to
provide this authorization, You will not provide us with Your user name or password to
the SN Site, but You will need to log-in to that SN Site directly through our Site. Once
authorized by You, the SN Site will provide us a token that allows the SN Site to
recognize us when we ask, on Your behalf, for access to Your account information or to
post information. You will be able to revoke our access to any SN Site at any time by
amending the appropriate settings from within Your account settings on the applicable
SN Site, though such revocation may limit the Services we are able to provide You.
5. USE OF YOUR DATA.
General Use. In general, Personal Data you submit to us is used either to respond to
requests that you make, or to aid us in serving you better. Company uses your Personal
Data in the following ways:
● Provide you with the Services and customer support;
● Respond to your requests, resolve disputes and/or troubleshoot problems;
● Verify your compliance with your obligations in our Terms of Use or other
policies;
● Improve the quality of the Site and the Services;
● Communicate with you about the Site and the Services;
● Market our products and services (and those of third parties) to You that we
believe may be of interest to You. If you prefer that we do not send you these
messages, please see the section below on YOUR CHOICES REGARDING
YOUR PERSONAL DATA to learn how to opt-out.
Creation of Anonymous Data. We may create Anonymous Data records from
Personal Data by excluding information (such as your name) that make the data
personally identifiable to you. We use this Anonymous Data to analyze request and
usage patterns so that we may enhance the content of our Products and services and
improve site navigation. Company reserves the right to use and disclose Anonymous
Data to Third Party Companies in its discretion.
Feedback. If you provide feedback on the Site, Services or any of our products to us,
we may use such feedback for any purpose, provided we will not associate such
feedback with your Personal Data. Company will collect any information contained in
such communication and will treat the Personal Data in such communication in
accordance with this Privacy Policy.
6. DISCLOSURE OF YOUR PERSONAL DATA.
Affiliates. Although we currently do not have a parent company, any subsidiaries, joint
ventures, or other companies under a common control (collectively, "Affiliates"), we
may in the future. We may share some or all of your Personal Data with these Affiliates,
in which case we will require our Affiliates to honor this Privacy Policy. If another
company acquires Company or our assets, that company will possess the Personal
Data collected by it and us and will assume the rights and obligations regarding your
Personal Data as described in this Privacy Policy.
Other Disclosures. Regardless of any choices you make regarding your Personal Data
(as described below), Company may disclose Personal Data if it believes in good faith
that such disclosure is necessary to: (a) comply with relevant laws or to respond to
subpoenas or warrants served on Company; or (b) protect or defend the rights or property of Company or users of the Products or related services.
7. THIRD PARTIES.
Personal and/or Anonymous Data Collected by Third Parties. We may receive Personal
and/or Anonymous Data about you from other sources like telephone or fax, or from
companies that provide our products or services by way of a co-branded or
private-labeled website or companies that offer their products and/or services on our
website ("Third Party Companies"). Our Third Party Companies may supply us with
Personal Data, such as your email address, in order to help us establish the account.
We may add this information to the information we have already collected from you via
our website in order to improve the products and services we provide.
Our provision of a link to any other website or location, such as the payment processing
websites, is for your convenience and does not signify our endorsement of such other
website or location or its contents. When you click on such a link, you will leave our site
and go to another site. During this process, another entity may collect Personal Data or
Anonymous Data from you.
We have no control over, do not review, and cannot be responsible for, these outside
websites or their content. Please be aware that the terms of this Privacy Policy do not
apply to these outside websites or content, or to any collection of data after you click on
links to such outside websites.
Disclosure to Third Party Service Providers. Except as otherwise stated in this
policy, we do not generally sell, trade, share, or rent the Personal Data collected from
our services to other entities. However, we may share your Personal Data with third
party service providers to facilitate creation of accounts or to provide services to us that
enable us to make the Site, Services or our products available to you.. You expressly
consent to the sharing of your Personal Data with our contractors and other service
providers for the sole purpose of providing services to you.
Disclosure to Third Party Companies. We may enter into agreements with Third
Party Companies. A Third Party Company may want access to Personal Data that we
collect from its customers. As a result, we may disclose your Personal Data to a Third
Party Company. The privacy policies of our Third Party Companies may apply to the
use and disclosure of your Personal Data that we collect and disclose to such Third
Party Companies. Because we do not control the privacy practices of our Third Party
Companies, you should read and understand their privacy policies.
NOTICE TO CALIFORNIA RESIDENTS - YOUR CALIFORNIA PRIVACY RIGHTS (AS
PROVIDED BY CALIFORNIA CIVIL CODE SECTION 1798.83).
A CALIFORNIA RESIDENT WHO HAS PROVIDED PERSONAL DATA TO A
BUSINESS WITH WHOM HE/SHE HAS ESTABLISHED A BUSINESS
RELATIONSHIP FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES (A
"CALIFORNIA CUSTOMER"), MAY REQUEST INFORMATION ABOUT WHETHER
THE BUSINESS HAS DISCLOSED PERSONAL INFORMATION TO ANY THIRD
PARTIES FOR THE THIRD PARTIES' DIRECT MARKETING PURPOSES. IN
GENERAL, IF THE BUSINESS HAS MADE SUCH A DISCLOSURE OF PERSONAL
DATA, UPON RECEIPT OF A REQUEST BY A CALIFORNIA CUSTOMER, THE
BUSINESS IS REQUIRED TO PROVIDE A LIST OF ALL THIRD PARTIES TO WHOM
PERSONAL DATA WAS DISCLOSED IN THE PRECEDING CALENDAR YEAR, AS
WELL AS A LIST OF THE CATEGORIES OF PERSONAL DATA THAT WERE
DISCLOSED. CALIFORNIA CUSTOMERS MAY REQUEST FURTHER
INFORMATION ABOUT OUR COMPLIANCE WITH THIS LAW BY E-MAILING
networthlife@gmail.com. PLEASE NOTE THAT WE ARE REQUIRED TO RESPOND
TO ONE REQUEST PER CALIFORNIA CUSTOMER EACH YEAR, AND WE ARE
NOT REQUIRED TO RESPOND TO REQUESTS MADE BY MEANS OTHER THAN
THROUGH THIS E-MAIL ADDRESS.
8. YOUR CHOICES REGARDING YOUR PERSONAL DATA.
Choices. We offer you choices regarding the collection, use, and sharing of your
Personal Data. We will periodically send you free newsletters and e-mails that directly
promote the use of our site or the purchase of our products or services and may contain
advertisements for Third Party Companies. When you receive newsletters or
promotional communications from us, you may indicate a preference to stop receiving
further communications from us and you will have the opportunity to "opt-out" by
following the unsubscribe instructions provided in the e-mail you receive or by
contacting us directly (please see contact information below). Should you decide to optout of receiving future mailings, we may share your e-mail address with third parties to
ensure that you do not receive further communications from third parties. Despite your
indicated e-mail preferences, we may send you notices of any updates to our Terms of
Use or Privacy Policy.
Changes to Personal Data. You may request deletion of your Personal Data by us, but
please note that we may be required (by law or otherwise) to keep this information and
not delete it (or to keep this information for a certain time, in which case we will comply
with your deletion request only after we have fulfilled such requirements). When we
delete any information, it will be deleted from the active database, but may remain in our
archives.
9. SECURITY OF YOUR PERSONAL DATA. Company is committed to protecting the
security of your Personal Data. We use a variety of industry-standard security
technologies and procedures to help protect your Personal Data from unauthorized
access, use, or disclosure. Despite these measures, you should know that Company
cannot fully eliminate security risks associated with Personal Data and mistakes may
happen.
10. CONTACT INFORMATION. Company welcomes your comments or questions regarding this Privacy Policy. Please e-mail us at networthlife@gmail.com or contact us at the following address or phone number:
Networth Insurance Services, LLC
Attn: Serena Miranda
PO BOX 593315
SAN ANTONIO, TX 78259
11. DISPUTE RESOLUTION. If you believe that Company has not adhered to this
Statement, please contact Company by email at networthlife@gmail.com. We will do
our best to address your concerns. If you feel that your complaint has been addressed
incompletely, we invite you to let us know for further investigation.
12. CHANGES TO THIS PRIVACY POLICY. This Privacy Policy is subject to
occasional revision, and if we make any substantial changes in the way we use your
Personal Data, we will notify you by sending you an e-mail to the last e-mail address
you provided to us and/or by prominently posting notice of the changes on our website.
Any material changes to this Privacy Policy will be effective upon the earlier of thirty (30)
calendar days following our dispatch of an e-mail notice to you or thirty (30) calendar
days following our posting of notice of the changes on our site. These changes will be
effective immediately for new users of our website, Products or related services. Please
note that at all times you are responsible for updating your Personal Data to provide us
with your most current e-mail address. In the event that the last e-mail address that you
have provided us is not valid, or for any reason is not capable of delivering to you the
notice described above, our dispatch of the e-mail containing such notice will
nonetheless constitute effective notice of the changes described in the notice. In any
event, changes to this Privacy Policy may affect our use of Personal Data that you
provided us prior to our notification to you of the changes. If you do not wish to permit
changes in our use of your Personal Data, you must notify us prior to the effective date
of the changes that you wish to deactivate your account with us. Continued use of our
website, Products, or related services, following notice of such changes shall indicate
your acknowledgement of such changes and agreement to be bound by the terms and
conditions of such changes.

This Privacy Policy was enacted on June 1, 2019.

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