WE ARE COMMITTED TO PROTECTING YOUR PRIVACY
Any information we collect will be kept technologically protected and used only to help you find the right products and services. Below you’ll find our official privacy policy. If you have any additional questions about how we safeguard your information, email us at info@principledlife.com.
Web Site Privacy Policy
This is the privacy policy (“Privacy Policy”) for the www.principledlife.com site, which is owned and operated by Principled Life LLC (“Site Proprietor”, “we”, or “us”) and all related websites, web applications, and web services owned and operated by Site Proprietor (the “Site”). This Privacy Policy sets forth our policies regarding the collection, use, and disclosure of certain information relating to your use of the Site. Your use of this Site signifies your understanding and acceptance of the terms of this Privacy Policy.
Age Requirement for Use of Site
This Site is not intended for use by persons under the age of 18 years old. You must be 18 years old or older to provide any personal information to the Site, or to us through the Site.
Domicile Requirement for Use of the Site
Our Site is intended only for individuals who are domiciled in the United States.
You can jump to a specific section of our Privacy Policy by clicking on the section below:
- Collecting Information
- Usage and Sharing
- Security
- Links
- Your California Privacy Rights
- Your Nevada Privacy Rights
- Children’s Privacy
- International Data Transfers
- Changes to This Privacy Policy
- Contact Us
1. Collecting Information
Personally Identifiable Information
The Site may request and collect certain personally identifiable information including, but not limited to, personal information submitted to us through various means such as online forms, information requests, e-mail and comments submitted to the Site. Such information collected through the Site may include your contact information, financial information, health-related information, and other sensitive information.
Non-Personally Identifiable Information
We may also collect certain non-personally identifiable information via the Site, such as Site usage activity and preferences, as well as demographic and profile data.
Information that We Automatically Collect
Our Site uses cookies and other tracking technologies such as web beacons, embedded scripts, and tags (“Cookies”), which collect information from you automatically as you use our Sites, including:
- Browser and device data, such as IP address, device identifier, device type, operating system and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons, and the language version of the websites you are visiting; and
- Usage data, such as geolocation data, browsing history, time spent on the Site, pages visited, links clicked, language preferences, patterns of use, and the pages that led or referred you to our Site.
We also collect information about your online activities on websites and connected devices over time and across third-party websites, devices, apps, and other online features and services. For example, some of our community websites may use Google Analytics on our Site to help us analyze your use of our Site and diagnose technical issues.
Our Site utilizes tracking technologies to collect and record your activities and movements across our websites throughout your browsing session, including to track button clicks, mouse movements, scrolling, resizing, touches, keystrokes, data entered, device information and orientation, browser visual elements, and screen size (“Session Data”), for purposes of our own internal analytics and improving our products, services, and user experience. Such tracking may include recorded sessions, which we may play back for these purposes. We may share Session Data with our third party analytics or service providers, which may change from time-to-time, for these purposes, who will use the Session Data solely on our behalf and for our benefit. Please review how you consent to the collection, use, and sharing of Session Data in our Terms & Conditions.
2. Usage and Sharing
We use information collected on and through this Site for a variety of purposes in the course of business and as otherwise set forth herein. Because we offer you the ability to connect with hundreds of other companies and/or agents that offer products and services that you may be interested in, including companies and/or agents in the insurance industry, we may share your personal information with one or more third parties such as insurance companies, insurance carriers, marketing companies, brokers/agents, call centers, lead buyers, lead generators, and advertising agencies (together, our “Third Party Partners“) consistent with your engagement with us.
- Such information may be used to process the information you submit to us to receive quotations or to send you information about our and our Third Party Partners’ products and services and other information and materials that may be of interest to you, consistent with the context in which you provided your information.
- This information may also be used by us to evaluate what portions of the Site are more popular than others, determine where visitors came from, where they go, and how long they stay on a particular page, or the Site in general. Information may be forwarded to one or more of our Third Party Partners who may contact you with a quote by email, telephone, postal mail or other forms of communication. This Privacy Policy does not apply to the Third Party Partner(s) to whom we forward your information; rather, they may have their own privacy policy and we encourage you to review it.
- We may disclose your personal information to companies that perform technology or marketing services for us for their use in performing such services.
- We may transfer, sell, or assign personal information to third parties as a result of a sale of all or substantially all of our assets relating to this portion of our business or in connection with a merger, consolidation, change in control, reorganization or liquidation.
- We also reserve the right to disclose any information concerning you if required by law or to protect or defend our rights or the rights or well-being of our users or if you are involved (or are reasonably suspected to be involved) in any illegal activity, even without a subpoena, warrant or court order.
We may match information collected from you through different means or at different times, and use such information along with information obtained from other sources, including third parties.
We may transfer, sell, or assign aggregate, non-personally identifiable information about Site usage to Third Party Partners.
Electronic Marketing Communications
We may send you promotional email communications about Site Proprietor, invite you to participate in promotions, or otherwise communicate with you for marketing purposes, consistent with your preferences and applicable law. For example, when we collect your contact information through your interaction with our Site, we may use that information to follow up with you to send you information that you have requested about Site Proprietor or our Third Party Partners. You may opt out of receiving any, or all, of these marketing communications from us via the unsubscribe link provided in such emails or by emailing an opt-out request to compliance@principledlife.com.
3. Security
The request forms on the Site support encryption to help protect the security of your transfer of data to the Site. Although we will take all reasonable security precautions regarding information stored on the Site, due to the open nature of the Internet, we cannot guarantee that any information stored on our servers, or transmitted to or from a user, will be free from unauthorized access, and we disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications. By using the Site, you acknowledge that you understand and agree to assume these risks.
4. Links
This Site may contain links or references to other websites outside of our control. Please be aware that we have no control over these sites and our Privacy Policy does not apply to these sites.
5. Your California Privacy Rights
This section of the Privacy Policy supplements the information contained elsewhere in our Privacy Policy and applies to visitors, users, and others who reside in the state of California and about whom Site Proprietor collects Personal Information (“Consumers”). The provisions contained within this section are intended to provide notices in compliance with the California Consumer Privacy Act of 2018 (“CCPA”).
For the purposes of this section only, except where a different definition is noted, “Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California consumer or household, whether it is collected by us through our Site, other online or electronic means, or offline (such as in-person or over the telephone). Personal Information does not include publicly available information, information that has been de-identified or aggregated, or other information covered by certain sector-specific privacy laws.
Any terms defined by the CCPA have the same meaning when used in this section.
If you are a visually-impaired customer, a customer who has another disability, or a customer who seeks support in other languages, you may access this notice by emailing us at info@principledlife.com.
Personal Information Collected
Site Proprietor collects Personal Information provided by Consumers through the Site. In the past 12 months, we have collected the following information from Consumers:
| Category of Information | Examples | Information Collected |
| Identifiers | A real name, alias, postal address, phone number, unique personal identifier, online identifier, Internet Protocol address, email address, Social Security number, or other similar identifiers. | Yes |
| Categories of personal information described in subdivision (e) of Section 1798.80. | A name, social security number, physical characteristics or description, address, telephone number, insurance policy number, education, employment, employment history, medical information, or health insurance information. | Yes |
| Characteristics of protected classifications under New York or federal law | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, or veteran military status. | Yes |
| Commercial Information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Yes |
| Biometric information | An individual’s physiological, biological, or behavioral characteristics, including an individual’s deoxyribonucleic acid (DNA), can be use, singly or in combination with each other or with other identifying data, to establish individual identity, including but not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information. | No |
| Internet or other electronic network activity information | Browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement. | Yes |
| Geolocation data | Physical location, position, and movement data. | Yes |
| Sensory information | Audio and electronic captured by our customer call center. | Yes |
| Professional or employment-related information | Present and past employment data. | Yes |
| Education information | Education records maintained by educational institutions or third parties on behalf of these institutions. | Yes |
| Inferences drawn from any other information | Data reflecting a consumer’s preferences, characteristics, habits, attitudes, predispositions, intelligences, and abilities. | Yes |
Sources of Personal Information Collected
The categories of Personal Information described above are collected from the following categories of sources:
- Directly from Consumers or their agents, such as through Consumers’ responses to forms on this Site.
- Directly and indirectly from activity on the Site, such as through our automated collection of information regarding Consumers’ interaction with this Site.
- From third-parties that work with us to provide services to Consumers, such as our Third Party Partners that we connect Consumers with to fulfill their requests.
Uses of Personal Information
The information we collect is used to:
- Process submitted information forms to receive quotations or to send you information about our and our Third Party Partners’ products and services and other materials that may be of interest to you, consistent with the context in which you provided the information
- Provide the Consumer with information, products, or services that have been requested, whether they are offered by us or our Third Party Partners
- Perform internal and external marketing
- Carry out obligations and enforce contractual rights
- Improve the services provided through the Site, such as through testing, research, analysis, and development
- Respond to requests from law enforcement and government organizations as required by law, court order, or government regulation
- Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets whether on an ongoing basis or as part of a discrete transaction in which collected personal information is among the assets transferred
Sharing and Sale of Personal Information
As disclosed in this Privacy Policy, we disclose and/or sell the categories of personal information described in Section 5 of this Notice to one or more third parties as follows:
| Category of Personal Information | Categories of Third Parties Disclosed To | Categories of Third Parties Sold To |
| Identifiers | Our product/service providers | Third Party Partners |
| Characteristics of protected classifications | Our product/service providers | Third Party Partners |
| Commercial information | Our product/service providers | Third Party Partners |
| Information relating to Internet activity or other electronic activity | Our product/service providers | Third Party Partners |
| Geolocation data | Our product/service providers | Third Party Partners |
| Professional or employment-related information | Our product/service providers | Third Party Partners |
| Education information | Our product/service providers | Third Party Partners |
| Inference data | Our product/service providers | Third Party Partners |
Personal Information for minors under 16 years of age is never knowingly collected, disclosed, nor sold. Site Proprietor will immediately remove and delete any and all information from anyone under 16 if notification is provided that a person under 16 registered at the Site or with Site Proprietor. If you have a reason to believe information was collected about a child under 16, please contact compliance@principledlife.com.
Your Privacy Rights
Consumers have several rights under the CCPA. These include:
- The right to know what categories and specific pieces of Personal Information are collected, disclosed for a business purpose, or sold by requesting this information from us
- The right to request deletion of Personal Information collected by us
- The right to opt out of the sale of Personal Information
- The right not to receive discriminatory treatment by us for choosing to exercise privacy rights under the CCPA
Even after fulfilling a request for deletion, we are required to maintain records for statutory compliance.
To submit a request to know or delete Personal Information, please send an email to compliance@principledlife.com. Once we have received a request, we work with Consumers to verify the request.
As part of the verification process, we may ask a Consumer to provide their first and last name, phone number, email, and/or address.
To designate an authorized agent to submit requests under the CCPA on the Consumer’s behalf, please send an email to compliance@principledlife.com.
Direct Marketing by Third Parties
Site Proprietor discloses personal information to third parties for their own direct marketing purposes. California residents have the right to request information regarding such practices under California’s “Shine the Light” law. If you are a California resident and would like to inquire further, please send an email to compliance@principledlife.com.
Notice of Right to Opt-Out
Site Proprietor sells personal information as further detailed in Section 5 above, well as throughout this Privacy Policy. To opt out of the sale of Personal Information, please complete our interactive webform for Do Not Sell requests.
TCPA Disclaimer
By sharing your information, you expressly consent to receive marketing calls and texts (including via automatic telephone dialing system or by artificial/pre-recorded message) and email from this website and multiple third-party partner companies or their agents at the telephone number given (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list) including my wireless number if provided. Carrier message and data rates may apply. You understand that your consent is not required as a condition of purchasing any goods or services and that you may revoke your consent at any time. You also acknowledge that you have read and agree to the Privacy Policy and Terms & Conditions, including mandatory arbitration. By completing the quotes form or calling the number listed above, you will be directed to a partner who can answer your questions and provide information about insurance plan options. Not all carriers offer the same plans. Possible plan options include, but are not limited to, Whole Life Insurance, Term Life Insurance, Mortgage Protection Insurance, Final Expense Insurance, Health Insurance, Car Insurance, and others. We encourage customers to shop around and explore all of their options before making an informed decision.
By completing the web form or calling the company or opting in via text message, you agree to receive periodic recommendations, reminders, and personalized content by email and or text message (if phone number entered is a mobile number). Text STOP at any time to cancel text messages.
6. Your Nevada Privacy Rights
Nevada residents have the right to request to opt-out of any “sale” of their personal information under Nevada SB 220. You may request to opt-out of the future sale of your personal information. If you are a Nevada resident and would like to make such a request, please send an email to compliance@principledlife.com, and provide “Nevada Privacy Rights” in the subject line. You must include your full name, email address, and postal address in your request so that we can verify your Nevada residence and respond. In the event we sell your personal information after the receipt of your request, we will make reasonable efforts to comply with such request.
7. Children’s Privacy
The Site is intended for a general audience, and we do not knowingly collect personal information from children under age 18 through the Sites.
If you are a parent or guardian and you are aware that a child under age 13 has provided us with personal information without parental consent, please send an email to compliance@principledlife.com. If we become aware that we have collected personal information from children under age 13 without verification of parental consent, we will take steps to remove that information from our servers.
8. International Data Transfers
Our Site is operated exclusively in the United States and intended for users located in the United States. We may transfer, store and use information we collect and maintain about you, including personal information outside of your state, province, country, or other governmental jurisdiction. The data protection laws in the jurisdiction in which we process personal information may differ from those of your jurisdiction, and in certain circumstances, your personal information may be subject to access requests from governments, courts, law enforcement agencies, or regulatory agencies in those other jurisdictions. By using the Site or providing us with any information, you consent to the transfer and processing of your information, including personal information, in the United States as set forth in this Privacy Policy.
9. Changes to This Privacy Policy
If you choose to use our Site, we will collect, use, and share your personal information as detailed in this Privacy Policy. If you do not want us to engage in these practices, please do not use our Site.
We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time, consistent with our legal obligations, so visitors are encouraged to review this policy from time to time. If we make any material changes to this Privacy Policy, we will take reasonable measures to notify you via email and/or a prominent notice on our Site prior to the change becoming effective, and will update the effective date at the bottom of this Privacy Policy. Your continued use of our Site following the posting of changes to these terms means you accept these changes.
Should you have any other questions about our Privacy Policy, please email us at info@principledlife.com.
10. Contact Us
If you have any questions about this Privacy Policy or wish to exercise one of your privacy rights, please contact us by emailing info@principledlife.com or sending a letter to:
Principled Life LLC
18 Division St. Suite 414
Saratoga Springs, NY 12866
This Privacy Policy was last updated on Jan 22, 2023.