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About Us
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At Health And Legacy Organization Member-member-agents Services, including our related, affiliated, and subsidiary entities (hereafter “Health And Legacy,” “we,” or “our”), we prioritize the protection and privacy of your personal data. This Online Privacy Policy outlines the methods by which we collect, protect, and handle your personal information as our valued customer through digital channels. For residents of California, additional details on personal data management and your rights under the California Consumer Privacy Act are provided in our California Privacy Policy.
1. Scope and Consent Our Privacy Policy governs your interaction with the HealthAndLegacy.org website and any associated sites displaying this policy. It encompasses your engagement with our interactive elements, widgets, apps, content, or downloads available via the Website that adhere to this Privacy Policy. This is applicable irrespective of the device or method you use to access our Services, including but not limited to personal computers and mobile devices. However, this policy does not extend to data obtained from third parties unless it is merged with Personal Information we have gathered in accordance with this Privacy Policy. Please be aware that this Privacy Policy does not cover information collected offline, such as during phone conversations with our member-member-agents or staff outside the scope of our Services. The provisions of this Privacy Policy are limited to data directly collected by us through the Services and do not pertain to third-party interactions with our Services or links to this Website. In instances where we notify you of varying or supplementary privacy policies or practices on this Site (for example, at the point of data collection), those additional terms will oversee the relevant data collection and usage. By utilizing the Services and/or submitting inquiries via the Services, you are expressly consenting to the Privacy Policy terms in effect at your time of use.
2. Changes to This Privacy Policy We reserve the unilateral right to amend, update, alter, or remove portions of our Privacy Policy at any given time, at our discretion. Should there be any modifications to the policy, we will announce such changes on this site. Policy alterations take effect immediately upon their publication. If you disagree with any updates, we advise you to discontinue using our services. Your continued use of our services signifies your acceptance of the revised Privacy Policy. We encourage you to review this Privacy Policy periodically to remain informed about any updates. It is important to note that this Privacy Policy does not grant rights or benefits to third parties.
Your privacy is paramount. We collect your personal information—such as your name, contact details, and health-related data—only when you choose to share it with us through our services. We may also gather demographic details like age and gender based on the information you input. If at any point you’re asked for information you prefer not to disclose, feel free to skip that section. When you entrust us with your personal details, we use them solely for the intended purpose, whether it’s to generate a quote or to process the policy in question. Rest assured, we safeguard your information and will not share it with third parties, except under these conditions:
1. You give us explicit permission
2. To enable our contractors or member-member-agents to deliver their services
3. To provide you with our products or services.
4. For entities conducting marketing activities on our behalf or those we have partnerships with.
5. To connect you with insurance providers for quotes or products you might be interested in.
6. As legally required or allowed.
We might also use your information to enhance our site and services or for marketing communications.
We occasionally supplement the information you provide with external records from third parties, such as credit or driving records, to better serve you and personalize our offerings. This amalgamated data is treated as personal information, governed by this Privacy Policy unless specified otherwise.
While you use our services, we—and our third-party partners—may collect “Usage Information” through various technologies. This may include details like your IP address or device identifier. If Usage Information is linked to your personal data, it’s handled with the same care and privacy.
A. Types and Use We employ various Tracking Technologies like cookies and web beacons to gather Usage and Demographic Information. These technologies may adjust settings on your device. For instance, cookies help our site remember your preferences, but you can choose to disable them
B. Purposes Tracking Technologies are used to: i. Ensure the necessary functioning of our services. ii. Evaluate the performance of our services. iii. Enhance functionality, like remembering your site preferences. iv. Provide content tailored to your interests.
C. Consent Your consent for using Tracking Technologies is obtained through this policy, with the option to disable cookies. We don’t seek consent for technologies essential to the services.
D. Third-Party Tracking We may not control third-party Tracking Technologies, which collect data across websites. By using our services, you acknowledge the possibility of encountering such third-party tools, which are not covered by our Privacy Policy.
E. Understanding “Do Not Track” SignalsSome web browsers offer a “Do Not Track” option, allowing you to signal to websites that you do not wish your online activities to be tracked. According to California Business & Professions Code Section 22575(b), residents of California have the right to know how Www.HealthAndLegacy.org addresses these “Do Not Track” signals. At present, there is no agreed-upon standard for what constitutes a “Do Not Track” signal. Consequently, like many other websites and online services, Www.HealthAndLegacy.org does not modify its practices in response to these signals from a visitor’s browser. For more information on “Do Not Track,” please visit allaboutdnt.org.
F. Managing Tracking Technologies Most commercial browsers provide tools that allow you to disable or remove regular cookies, although not all such tools may block all types of cookies. Www.HealthAndLegacy.org utilizes tracking and advertising services from Google, and you can learn about opting out of Google’s cookie usage on the Google advertising opt-out page.
Each browser requires individual settings adjustments to manage cookies, and these settings may vary in functionality and options. Tools for managing cookies may not be effective for Flash or HTML5 cookies or other types of Tracking Technologies. For guidance on disabling Flash cookies, please visit Adobe’s website at adobe.org. Please note that disabling or removing these technologies may affect the functionality of our Services, and upon returning to our site, your ability to manage cookies is dependent on your browser settings and limitations.
4. Utilization of Collected Information The information we collect, including Personal, Demographic, and Usage Information, may be used in accordance with this Privacy Policy for purposes such as:
4.1 Service Development, Support, and Security Enhancement We may use the collected information to research and develop our Services, sometimes in collaboration with trusted third parties. This information may also be used to address complaints, resolve security issues, or investigate violations of our Terms of Use or Privacy Policy.
4.2 Communication Enhancement Your Personal Information may be used to facilitate communication via email, phone, or mobile. We may call to discuss insurance quotes you’ve requested. Messages may include updates on our Services, usage instructions, network updates, reminders, promotional messages, or details regarding insurance policy quotes or Medicaid plan premiums. While communication preferences can be changed, service-related messages, such as security and legal notices, cannot be opted out of.
4.3 Advertising and Location-Based Services We may use collected information to:
1. Target advertisements or content based on your interaction with our Services;
2. Assess the relevance and usefulness of delivered advertisements or content;
3. Enhance site functionality, including commenting or content addition capabilities.
5. Sharing Information with Third Parties We may share aggregated, non-Personal Information with third parties. Device Identifiers and related data may also be shared. However, Personal Information obtained through our quote calculators or similar pages is not shared with third parties for their direct marketing purposes. De-identified data is not considered Personal Information and may be freely shared. We may disclose collected information, including Personal Information, as stated at the time of collection, as described in this Privacy Policy, or as detailed below.
Www.HealthAndLegacy.org does not sell Personal Information to third parties.
5.1 Interactions with Third Parties Our Services may offer options to receive information from or share information with third parties, or access to third-party websites. Choosing to engage with third-party services subjects your Personal Information to their privacy policies and practices. Third parties may also access your information through their Tracking Technologies when you interact with their content, tools, apps, or ads on our Services. We are not responsible for third-party privacy practices; therefore, review their policies before engaging with them.
This revision aims to clarify and streamline the sections for better understanding while maintaining the original intent and meaning. If you need further adjustments or have specific preferences, please let me know.
5.2 Services Provided by Third Parties Occasionally, we engage third-party vendors to perform various services for this Site, such as hosting, feature design and operation, activity tracking, analytics, and other administrative tasks. These vendors may need access to your information to perform their duties on our behalf or ours. Please be aware that these third-party service providers may use their own tracking technologies on your device and may collect information about you, which could include your personal data. We are not liable for the technologies used by these third parties or the resulting activities. Additionally, we do not guarantee the effectiveness of, or adherence to, any third-party opt-out options.
5.3 Defending HealthAndLegacy Organization Rights and Those of Others Within the bounds of the law, we reserve the right to disclose your information if we sincerely believe it is necessary to: (i) Safeguard or defend the rights, safety, or property of HealthAndLegacy Organization or others, which includes enforcing this Policy, our Terms of Use, and other relevant agreements and policies; or (ii) Fulfill legal and regulatory requirements, such as responding to law enforcement requests, subpoenas, or court orders. We maintain the discretion to decide whether to make such disclosures and to challenge or accept requests for disclosures, without any obligation to notify you.
5.4 Business Transitions In the event of a business transition, we may disclose and transfer your information to: (i) A new owner, co-owner, or operator of this Site or the relevant database; or (ii) Parties involved in a merger, consolidation, restructuring, sale of our significant interests and/or assets, or other corporate changes, including during due diligence. Any entity that acquires us or a portion of our business will have the right to use your data as outlined in this Privacy Policy, unless you consent to other terms.
6. Third-Party Content and External Links Our Services may include content from third parties who may collect your usage and demographic information, as well as your device identifier. Additionally, using our Services might lead you to other third-party-operated and -controlled services. We do not oversee these third parties’ data collection and privacy practices, and they may track your activity across various sites and share that data with us or others. For instance, clicking on a link may redirect you from this Site to a different one. These external sites may use their own tracking technologies, gather data about you, and may or may not have their own privacy policies. Third-party applications accessible through our Services are owned by “Third-Party Owners” who may collect your personal and demographic information, usage data, and other information, and have their own policies and practices. We are not accountable for how these Third-Party Owners or their applications use your information. They may track your activity across multiple sites and share that information with us or others. These Third-Party Owners may have their own terms of service, privacy policies, or other policies and may request your agreement to them. We are not responsible for these third-party policies or practices. Please review any policies carefully before providing any personal information to a third-party application or interacting with it, and proceed with caution. We also advise you to be aware when you leave this Site and to review the privacy policies of any third-party sites with caution.
7. Engagement with Advertising Networks Our platform may engage with third-party network advertisers and ad exchanges to display advertisements. We also collaborate with third-party analytics and service providers to assess the usage of our platform and the effectiveness of ads and content. These network advertisers may show you ads based on your activity on our platform and other websites you’ve visited, aiming to present you with offers that align with your interests.
7.1 Use of Tracking Technologies by Network Advertisers Our service’s advertising partners may utilize their own cookies, web beacons, and other tracking technologies on your device to monitor behavior and gather usage data through a unique device identifier. These technologies are employed to: (i) Offer ads that may be of interest to you; (ii) Limit the repetition of ads; (iii) Gauge the relevance and impact of ads served to you. By using our service, you consent to these technologies operating on your device, which may modify device settings during their operations. Please be aware that any content associated with these ads, including images, may act as web beacons, enabling the tracking activities described.
7.2 Disclaimer of Responsibility for Third-Party Tracking We do not control the tracking technologies of third-party advertisers. Our privacy practices do not cover the collection methods or data usage by these external entities. We advise you to review the terms, privacy policies, and consent procedures of these third parties to understand their data handling processes. We do not endorse or make any claims about third-party advertising practices.
7.3 Opting Out of Network Advertising While multiple companies may serve ads on our service, you have the option to opt-out of targeted advertising by visiting the Network Advertising Initiative (NAI) at networkadvertising.org/optout. Opting out from NAI members means they should no longer send targeted ads to you, but it does not eliminate all targeted advertising. Note that opt-outs may be ineffective if your browser rejects cookies, or if you change devices or browsers. For additional opt-out options, visit the Digital Advertising Alliance (DAA) at optout.aboutads.info. We are not liable for the effectiveness or adherence to opt-out procedures by any third parties.
8. Use by Minors Our services are designed for businesses and individuals involved in life policy settlements and are not intended for minors, especially children under 13. We comply with the Children’s Online Privacy Protection Act (COPPA) and do not intentionally collect data from children under 13. If you are under 13, please do not use our services. Should we inadvertently collect such information, we will take appropriate measures to delete it. If you believe your child under 13 has provided personal information without proper consent, please reach out to us at support@HealthAndLegacy.org for assistance.
9. Personal Information Update and Accuracy We prioritize the accuracy and timeliness of your personal information. You have the right to access and amend any personal data we hold. Should you need to confirm or correct your details, please reach out to us using the contact information below. Please be aware that while we strive to fulfill requests to delete personal information, we may not be able to eradicate all data from our systems. Residual data could persist in backups. Even after deletion requests, certain personal information may be retained as necessary to fulfill legal duties, adhere to regulations, resolve disputes, ensure security, prevent fraud, enforce our Terms of Use, or for other reasonable purposes. After your account is closed, anonymized data may be kept. We also implement verification measures to safeguard your privacy and security before accessing or modifying your personal information.
10. Opting Out of Marketing Communications You have the option to discontinue or adjust the marketing emails we send by following the unsubscribe instructions in our emails, or, in some cases, by modifying your preferences in your service account. To cancel SMS subscriptions, reply with “STOP” to the relevant message. This will not affect other subscriptions. Note that essential service-related communications, such as administrative and account notifications, are not subject to opt-out and will continue as necessary.
11. Security Measures Our commitment to protecting your personal and usage information is reflected in our adoption of industry-standard safeguards. However, we must caution that no method of digital transmission or storage is infallible. Consequently, we cannot guarantee the absolute security of the information shared with us, and you provide it at your own risk.
12. Inquiries For any questions regarding our Privacy Policy, please contact HealthAndLegacy Organization at PO Box 349, Greer, SC 29651, email us at support@HealthAndLegacy.org, or call us at 800-580-4212. Emails sent to support@HealthAndLegacy.org with inquiries or feedback on our Services, Privacy Policy, or Terms of Use will be directed to the appropriate team members. We will retain your message until we have fully addressed your concerns and may keep it archived for a certain period or dispose of it accordingly. Rest assured, your email address will not be used for any unrelated purposes.