Last Updated: September 18, 2020

Terms and Conditions of Use

This is a valid, binding agreement. By accessing or using the Internet site located at www.Insureio.com, any of its sub-domains (example: www.pinney.insureio.com), its related website (www.InsuranceDivision.com), its sub-domains (collectively referred to as the “Site”), any services provided in connection with the Site (the “Service”), or by merely browsing the Site, you agree to be legally bound by these terms and conditions of use (these “Terms”) and all terms, policies, and guidelines incorporated by reference in these Terms as they may be amended by Insureio Technologies, Inc. (“IO”) from time to time in its sole discretion. If you do not agree with these Terms in their entirety, you may not use the Site.

The term “Site” as used herein encompasses and includes any webpage that contains an address which includes, even in part, the designation “Insureio” or “InsuranceDivision,” which are owned and operated by Insureio Technologies, Inc., and, where applicable, includes all Insureio affiliate or co-branded websites which are provided with the permission of Insureio Technologies, Inc. The term “Site” also means and includes all content and corresponding information relating to the Insureio health screening, quoting, and pre-application tool; the Consumer Life Quoter (“CLQ”) website quoting tool; and the EZLink Insureio emailable health screening, quoting, and pre-application tool.

Changes in the terms and conditions of use may occur at any time, without further notice. Your use of this Website after such changes are implemented constitutes your acknowledgement and acceptance of the changes. Before each use, please read and consult these Terms and Conditions of Use carefully. The Site is provided by Insureio Technologies, Inc. ("IO"). These Terms and Conditions apply exclusively to your access to, and use of, this Website and does not alter in any way the terms or conditions of any other agreement you may have with IO.

Privacy Policy

IO respects your privacy and permits you to control the treatment of your personal information. IO has adopted a Privacy Policy, which is incorporated into this Agreement by reference. Please read the Privacy Policy by clicking here, before providing any information. You acknowledge that you have read and agree to the Privacy Policy.

Accessibility

IO was built using WCAG 2.0 as our standard for web accessibility. To learn more about this standard, click here or visit https://www.w3.org/TR/WCAG20/.

Registration Data & Account Security

If you register for an account on the Site, you agree to (a) provide accurate, current and complete information as may be prompted by any registration forms on the Site (“Registration Data”); (b) maintain the security of your password; (c) maintain and promptly update the Registration Data, and any other information you provide to Insureio, and to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration Data and any other information you provide to Insureio. You are responsible for all activity on your Insureio account, and for all charges incurred by your Insureio account.

Free Trial

If you register on our Site for a free trial, we will make one or more Services available to you on a trial basis free of charge until the earlier of (a) the end of the free trial period for which you registered to use the applicable Service(s), or (b) the start date of any Purchased Service subscriptions ordered by you for such Service(s). Additional trial terms and conditions may appear on the trial registration web page. Any such additional terms and conditions are incorporated into this Agreement by reference and are legally binding.

ANY DATA YOU ENTER INTO THE SERVICES, AND ANY CUSTOMIZATIONS MADE TO THE SERVICES BY OR FOR YOU, DURING YOUR FREE TRIAL WILL BE PERMANENTLY LOST UNLESS YOU PURCHASE A SUBSCRIPTION OR EXPORT SUCH DATA, BEFORE THE END OF THE TRIAL PERIOD

Please review the Help section, specifically the FAQ’s, Tutorials, and Help sub-sections during the trial period so that you become familiar with the features and functions of the Services before purchasing a subscription level.

Fees, Charges, & Taxes

Fees and any other charges for the use of the Site are described on the Site. They may change from time to time. If we change them, we will give you at least 30 days’ notice. If they do change, your continued use of the Site after the change indicates your agreement with the new fees and charges after the effective date of the change. Any change to fees and other charges will not be applicable to the billing period in which the change occurs.

You are responsible for all taxes applicable to the fees in any applicable jurisdiction.

Billing & Renewal

Insureio charges and collects in advance for the use of the Site. Insureio will automatically renew and bill Subscribers on the Subscriber’s established payment terms (monthly credit card renewal, annual credit card renewal, or annual invoice renewal).

If you believe that the billing or invoice is incorrect, you must contact us within 60 days of the billing period start date to be eligible to receive an adjustment or credit.

Delinquent Accounts

Your account is considered delinquent (in arrears) if full payment is not received by the billing period start date. If your account is delinquent for at least two months, we may deactivate your account. Deactivated accounts are not deleted – they are placed in storage and can be restored. We will notify you by email or phone if we decide to deactivate your account. If you know in advance that your account will be inactive at for some time and don’t want us to deactivate it, let us know in advance at the support email address on the Site. If after your account has been deactivated it stays delinquent and we don’t hear from you, we may terminate it at any time and without notice.

Termination of Agreement

You and Insureio may terminate these Terms and your use of the Site at any time. If you terminate your use of the Site, you must pay the fees applicable for the balance of the then current billing period (if your billing period is monthly, we will prorate your account to the nearest month-end after termination). When your Insureio account is terminated your User Content will shortly thereafter, not appear on the Site, except for User Content submitted to our forum or comments on our blog, which may remain on the Site after termination. We may also retain an archival copy of your User Content after termination, and you hereby grant us a non-exclusive, perpetual, irrevocable license to maintain such archival copy for our internal business purposes.

If these Terms expire or terminate for any reason, any representation or warranty you make in these Terms, shall survive indefinitely, or as permitted by law.

Consent To Be Contacted

You and each of your respective clients understand that by submitting your client's personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents that have contracted with IO. You and your client also understand that by doing so, you consent and expect to be contacted by any and all such licensed insurance agents via telephone, text messaging, email or direct mail even if you or your client are registered on the federal do-not-call list and/or any applicable state do-not-call list. You or your client may withdraw consent by notifying IO at [support@Insureio.com].

You further acknowledge that you are duly licensed to solicit and sell life insurance products and that you have the express consent of each individual client on whose behalf you seek or obtain any assistance or use from Insureio to input and provide any identifying information of each such individual client, including name, address, telephone, date of birth, social security number, driver’s license number, etc. Each of your individual clients has expressly authorized you to gather identifying information of each said client and has authorized you to disclose any and all such information to the extent reasonably necessary to procure life insurance quotes, sell life insurance to and otherwise complete the sale and delivery of life insurance policies with respect to each individual client.

Using Insureio to Send Marketing and/or Transactional Emails

Your use of the Services must follow all applicable guidelines established by Insureio. The guidelines below are examples of practices that may violate this Policy when generating or sending Emails through the Services:

• Using non-permission-based Email lists (i.e., lists in which each recipient has not explicitly granted permission to receive Emails from you by affirmatively opting-in to receive those Emails);
• Using purchased or rented Email lists;
• Using third-party email addresses, domain names, or mail servers without proper permission;
• Sending Emails to non-specific addresses (e.g., webmaster@domain.com or info@domain.com);
• Sending Emails that result in an unacceptable number of spam or UCE complaints (even if the Emails themselves are not actually spam or UCE);
• Failing to include a working “unsubscribe” link in each Email that allows the recipient to remove themselves from your mailing list;
• Failing to comply with any request from a recipient to be removed from your mailing list within 10 days of receipt of the request;
• Failing to include in each Email a link to the then-current Privacy Policy applicable to that Email;
• Disguising the origin or subject matter of any Email or falsifying or manipulating the originating email address, subject line, headers, or transmission path information for any Email;
• Failing to include in each Email Your valid physical mailing address or a link to that information; and
• Including “junk mail,” “chain letters,” “pyramid schemes,” incentives (e.g., coupons, discounts, awards, or other incentives) or other material in any Email that encourages a recipient to forward the Email to another recipient.

Representations and Warranties

You represent and warrant to IO that any and all information submitted by you on behalf of your client to this Website is true and accurate. You further warrant that you are a licensed insurance agent and are duly licensed to submit requests for insurance quotes.

Restrictions On Use

You may use this Website for purposes expressly permitted by this Website. You may not use this Website for any other purpose, including any commercial purpose, without express prior written consent of IO. For example, you may not (and may not authorize any other party) to link to this Website, without the express prior written permission of an authorized representative of IO nor may you display a name, logo or trademark appearing on this Website. You agree to cooperate with IO in causing and ensuring that any unauthorized co-branding, framing or hyper-linking cease immediately.

Proprietary Information

The content on this Website is the proprietary information of IO and IO retains all ownership, right, title, and interest in and to it. Accordingly, the content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of IO, except that you may print out a copy of the content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of such content. Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of IO and is a violation of these Terms and Conditions of Use. Neither title nor intellectual property rights are transferred to you by access to this Website. IO retains full and complete title to the Site as well as all intellectual property rights therein. You may not sell, redistribute, or reproduce the Software, nor may you decompile, reverse-engineer, disassemble, or otherwise convert the Software to a human-perceivable form. IO owns Insureio.com and InsuranceDivision.com, including the Insureio health screening, quoting, and pre-application tool, as well as the Consumer Life Quoter (“CLQ”) website quoting tool and the Insureio emailable health screening, quoting, and pre-application tool.

Compliance with Intellectual Property Laws

When accessing the Site or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content (collectively, “Content”) in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User name or ID. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.

Your Use of Other Persons’ Information

In order to facilitate the services provided by the Site, the Site allows you in certain circumstances to give other Users limited access to the personal information of other persons. For example, if you are a Subscriber, you may use the Site to give access to a staff member to the personal information of your Customers. By entering into our Terms, you agree that, with respect to the personal information of other persons that you collect, use and disclose on the Site, you have all necessary consents and rights to collect, use and disclose that information as described in this Privacy Policy from time to time, and you agree that the indemnity you give to us in the Terms applies to any non-compliance by you with the foregoing.

Your Limited License of Your User Content to Insureio

We do not claim any ownership interest in your User Content, but we do need the right to use your User Content to the extent necessary to operate the Site, and provide the services provided by the Site, now and in the future. For example, if you leave comments on the Insureio blog or posts on the Insureio forum, we need your license to display that User Content on the Site, and we need the right to sublicense that User Content to our other Users so that they can view that User Content. If you are a Subscriber and enter activity data in relation to a Customer and configure your account to display activity data to your Customers, we need your license to that User Content to use it in the operation of the Site, and we need the right to sublicense that User Content to your Customers for that purpose.

Therefore, by posting or distributing User Content to or through the Site, you (a) grant Insureio and its affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to use, display, perform, reproduce, distribute, publish, modify, adapt, translate, and create derivative works from such User Content on the Site, in the manner in and for the purposes for which the Site from time to time uses such User Content; (b) represent and warrant that (i) you own and control all of the rights to the User Content that you post or otherwise distribute, or you otherwise have the lawful right to post and distribute that User Content, to or through the Site; and (ii) the use and posting or other transmission of such User Content does not violate these Terms and will not violate any rights of or cause injury to any person or entity.

If your User Content is intended for the use of other Users, you also grant us and our affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to sublicense such User Content to such Users for their use in connection with their use of the Site. These licenses from you are non-exclusive because you have the right to use your User Content elsewhere. They are royalty-free because we are not required to pay you for the use of your User Content on the Site. And they are transferable because we need the right to transfer these licenses to any successor operator of the Site. Our rights to “modify, adapt, translate, and create derivative works from” are necessary because the normal operation of the Site does this to your User Content when it processes it for use in the Site.

Use of Interactive Areas and the Site

The Site may contain discussion forums, bulletin boards, review services or other forums in which you or third parties may post reviews or other content, messages, materials or other items on the Site (“Interactive Areas”). If Insureio provides such Interactive Areas, you are solely responsible for your use of such Interactive Areas and use them at your own risk. User Content submitted to any public area of the Site will be considered non-confidential. By using any Interactive Areas, you expressly agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:

• Any message, data, information, text, music, sound, photos, graphics, code or other material that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;
• Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
• Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
• Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;
• Unsolicited promotions, political campaigning, advertising or solicitations;
• Private information of any third party, including, without limitation, addresses, phone numbers, email addresses and credit card numbers, unless that third party has expressly consented to such use, or such information is publicly available;
• Viruses, corrupted data or other harmful, disruptive or destructive files;
• Content that is unrelated to the topic of the Interactive Area(s) in which such Content is posted;

or

• Content that, in the sole judgement of Insureio, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or which may expose Insureio or its affiliates or its users to any harm or liability of any type.

Finally, Insureio has a “zero-tolerance” policy towards SPAM: you may not use the Interactive Areas or the Site generally to send commercial or other messages to any third-party if those messages are not solicited, authorized or welcomed by the third-party, and in your use of the Site you must comply with all applicable laws, including laws that apply in any jurisdiction to SPAM and marketing practices, and with any applicable marketing association guidelines on ethical marketing practices.

Any use of the Interactive Areas or other portions of the Site in violation of the foregoing violates these Terms and may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the Site.

Inappropriate Content

You shall not make the following types of Content available. You agree not to upload, download, display, perform, transmit, or otherwise distribute any Content that (a) is libelous, defamatory, obscene, pornographic, abusive, or threatening; (b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation; or (c) advertises or otherwise solicits funds or is a solicitation for goods or services. IO reserves the right to terminate your receipt, transmission, or other distribution of any such material using the Service, and, if applicable, to delete any such material from its servers. IO intends to cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms of Use or of any applicable laws.

Copyright Infringement

IO has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on the Site or with the Service. IO has adopted a policy that provides for the immediate suspension and/or termination of any Site or Service user who is found to have infringed on the rights of IO or of a third party, or otherwise violated any intellectual property laws or regulations. IO’s policy is to investigate any allegations of copyright infringement brought to its attention. If you have evidence, know, or have a good faith belief that your rights or the rights of a third party have been violated and you want IO to delete, edit, or disable the material in question, you must provide IO with all of the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works; (c) identification of the material that is claimed to be infringed or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit IO to locate the material; (d) information reasonably sufficient to permit IO to contact you, such as an address, telephone number, and if available, an electronic mail address at which you may be contacted; (e) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. For this notification to be effective, you must provide it to IO at: Insureio Technologies, Inc., 2266 Lava Ridge Court, Roseville, California, 95661; Telephone: 877-935-6755.

Alleged Violations

IO reserves the right to terminate your use of the Service and/or the Site. To ensure that IO provides a high quality experience for you and for other users of the Site and the Service, you agree that IO or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights, or other unauthorized uses of the Site or the Service. IO does not intend to disclose the existence or occurrence of such an investigation unless required by law, but IO reserves the right to terminate your account or your access to the Site immediately, with or without notice to you, and without liability to you, if IO believes that you have violated any of the Terms of Use, furnished IO with false or misleading information, or interfered with use of the Site or the Service by others.

Advertisements & Promotions

Insureio may run advertisements and promotions from third parties on the Site. Your business dealings or correspondence with, or participation in promotions of, advertisers other than Insureio, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. Insureio is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of third-party advertisers on the Site.

Third Party Sites

IO has no control over, and no liability for, any third party websites or materials. IO works with a number of partners and affiliates whose Internet sites may be linked with the Site. Because neither IO nor the Site has control over the content and performance of these partner and affiliate sites, IO makes no guarantees about the accuracy, currency, content, or quality of the information provided by such sites, and IO assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those sites. Similarly, from time to time in connection with your use of the Site, you may have access to content items (including, but not limited to, websites) that are owned by third parties. You acknowledge and agree that IO makes no guarantees about, and assumes no responsibility for, the accuracy, currency, content, or quality of this third party content, and that, unless expressly provided otherwise, these Terms of Use shall govern your use of any and all third party content.

Links

This Website may be linked to other sites. Such linked sites may not be maintained by or related to IO and such links are provided as a service to users and are not sponsored by or affiliated with this Website or IO. IO has not reviewed any such sites and is not responsible for the content of those sites. Links are to be accessed at the user's own risk, and IO makes no endorsement, representations or warranties about them.

Third Party Content & Services

IO may provide links to content of third parties as a service to those interested in such information. IO does not monitor nor does IO have control over any third party content or third party websites. IO does not endorse or adopt any third-party content and makes no representation or warranty as to its accuracy or completeness. You assume any and all risk associated with the use of this Website and these links and third party content contained therein.

Trademarks and Copyrights

Trademarks, service marks and logos appearing in this Website are the property of IO. IO retains all rights with respect to all such content appearing in this Website.

Disclaimer

Your use of this site is at your own risk. This website and the materials in this Website are provided on an "as is" basis without warranties of any kind, either express or implied. IO disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. IO does not represent or warrant that materials on this website are accurate, complete, reliable, current, or error-free. IO does not represent or warrant that this website or its server(s) are free of viruses or other harmful components. IO does not warrant that the functions or content contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. IO does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. IO does not warrant or guarantee any particular financial outcome, profit, loss, or net revenue. The content may include technical inaccuracies or typographical errors and IO may make changes or improvements at any time. You, and not IO, assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage arising from the use of this site or its content. IO makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content. Reference to any products, services, processes, or other information, by trade name, trademark, agents, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by IO. IO does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete. You assume all risk of use of the Website.

Limitation of Liability

In no event shall IO, its subsidiaries, affiliates, licensors, service providers, owners, contractors, content providers, employees, agents, officers, and directors be liable for any incidental, direct, special, indirect, punitive, actual, consequential, special, or exemplary damages, or any other damages of any kind, including, but not limited to, loss of use, loss of profits, or loss of data, whether in an action in contract, tort (including, but not limited to, negligence), or otherwise, arising out of or in any way connected with the use of this website or the materials contained on, or accessed through, this website, regardless of the foreseeability of the damages.

Indemnity

You will indemnify and hold IO, its subsidiaries, affiliates, licensors, content providers, service providers, owners, employees, agents, officers, directors, and contractors (the "Indemnified Parties") harmless from any breach or violation of these Terms and Conditions of Use by you, including but not limited to any use of content other than as expressly authorized in these Terms and Conditions of Use. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of this Website. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use and you agree to indemnify the Indemnified Parties for any and all resulting loss, damages, judgments, awards, costs, penalties, expenses, and attorneys' fees arising out of your use of this Website.

Prohibited Uses

IO imposes certain restrictions on your permissible use of the Site and the Service. You are prohibited from violating or attempting to violate any security features of the Site or Service, including, without limitation, (a) accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of the Service, the Site, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site or Service, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing;” (d) using the Site or Service to send unsolicited e-mail, including, without limitation, promotions, or advertisements for products or services; (e) forging any TCP/IP packet header or any part of the header information in any e-mail or in any posting using the Service; or (f) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by IO in providing the Site or Service. Any violation of system or network security may subject you to civil and/or criminal liability.

Security

We strive to adhere to the highest standards of data security. Any and all data found within our systems or sent via our email servers is encrypted, adhering to HIPAA requirements as published. Although not a “covered entity” under HIPAA, we do subscribe to and maintain HIPAA standards and guidelines for your security. In addition, all our workstations and servers are encrypted both at rest and in transit, as described in more detail below.

This site uses restrictive firewalls to protect stored data, which includes any personally identifiable information you have submitted on this site and uses 128 bit SSL (Secure Sockets Layer) certificates to encrypt data transferred between you and the Site. It is suggested that you use a browser that supports SSL and that the encryption feature of your browser is not disabled when you submit information online.

We make every effort to help our clients and our partners’ clients complete the life insurance application process using secure electronic means, including the e-signature process. The e-signature process transmits data, including your clients’ electronic signatures, through third-party vendors including Docusign, iGo, or Marketech, all of which are HIPAA-compliant e-application and e-signature processes.

If a client is unable to use the e-signature process, they may request that an application be emailed to them. We send all emails securely using TLS encryption. We do this using MicrosoftOffice365, which also adheres to and meets the specifications of:

• Health Insurance Health Insurance Portability and Accountability Act (HIPAA): HIPAA imposes security, privacy, and reporting requirements regarding the processing of electronic protected health information. Microsoft developed Office 365 to provide physical, administrative, and technical safeguards to help users comply with HIPAA.
• Data Processing Agreements (DPAs): We provide customers with additional contractual assurances through DPAs regarding Microsoft handling and safeguarding of customer data. By signing DPAs, we commit to over 40 specific security commitments collected from regulations worldwide.
• Federal Information Security Management Act (FISMA) requires U.S. federal agencies to develop, document, and implement controls to secure their information and information systems. Federal Risk and Authorization Program (FedRAMP) is a federal risk management program that provides a standardized approach for assessing and monitoring the security of cloud products and services. The FedRAMP/FISMA FAQ describes how the Office 365 service follows security and privacy processes relating to FedRAMP/FISMA.
• ISO 27001: ISO 27001 is one of the best security benchmarks available in the world. Office 365 has been verified to meet the rigorous set of physical, logical, process and management controls defined by ISO 27001:2013. This also includes ISO 27018 Privacy controls in the most recent audit. Inclusion of these new ISO 27018 controls in the ISO assessment will further help Office 365 validate to customers the level of protection Office 365 provides to protect the privacy of customer data.
• Statement on Standards for Attestation Engagements No. 16 (SSAE 16): Office 365 has been audited by independent third parties and can provide SSAE16 SOC 1 Type I and Type II and SOC 2 Type II reports on how the service implements controls.
• Gramm–Leach–Bliley Act (GLBA): The Gramm–Leach–Bliley Act requires financial institutions to put processes in place to protect their clients' nonpublic personal information. GLBA enforces policies to protect information from foreseeable threats in security and data integrity. Customers subject to GLBA can use Office 365 and comply with GLBA requirements.

In addition, all consumer data held in our databases is secured by the following:

• Encrypted connection between client and application server
• Encrypted connection between application server and database sever
• Encrypted connection between application server and Amazon Web Services cloud storage (S3) server
• Encrypted data at rest on Amazon Web Services cloud storage (S3) server
• Encrypted data at rest for the entire file-system for the entire database

This last measure is well beyond the requirements of HIPAA or any similar legal authority; however, we feel it is the only prudent measure to take in protecting the data of our clients and partners.

Please do be aware that we are not responsible for the security of the content in our emails, including attachments, once they reach the email service provider of a recipient (partner, affiliate, or client). The information below explains why that data may not be secure and why we strongly recommend all clients use the secure, compliant e-signature process.

When an email is transmitted from our specialist’s computer, it passes through our email server and is routed through multiple servers until it reaches your email server. TLS encryption is negotiated each time the email passes from one server to another. If the email reaches a server that does not support TLS encryption, the connection will be downgraded to an unencrypted transmission and the email will be sent in plain text (unencrypted format). Common email providers such as Gmail and Yahoo do support TLS, but we do not require our clients to use compliant email providers. We suggest you contact your email provider to confirm whether they support TLS or similar encryption processes, or if at all possible, complete your application using the secure e-signature process.

Partners and clients may initiate or participate in email communication with us at any time. By doing so, they are assumed to consent to PHI and other covered information being sent via email (securely or unsecurely) unless expressly stated otherwise before the email communication takes place. We may provide a warning, and will endeavor to do so, but it is not required by law.

We take all reasonable and commercial efforts to protect your data, however, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting services, internet intermediaries, your internet service provider, and other service providers cannot be assured. When you use Insureio you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability.

If you feel more comfortable submitting your information by phone, please call us at 877-935-6755.

Applicable Law

These terms and conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its choice of law principles to the contrary. You irrevocably consent to and agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the State of California, County of Placer, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Agreement.

Modifications

IO may, in its sole discretion and without prior notice, (a) revise these Terms of Use; (b) modify the Site and/or the Service; and (c) discontinue the Site and/or Service at any time. IO shall post any revision to these Terms of Use to the Site, and the revision shall be effective immediately on such posting. You agree to review these Terms of Use and other online policies posted on the Site periodically to be aware of any revisions. You agree that, by continuing to use or access the Site following notice of any revision, you shall abide by any such revision.

Termination

Notwithstanding any of these terms and conditions, IO reserves the right, without notice and in its sole discretion, to terminate your license to use this Website, and at any time to block or prevent future access to and use of this Website.

Severability

If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. If you have any questions about this legal notice, or the above terms and conditions of use, please contact your legal counsel.

Legal Disclaimer

All text and information provided on or through this Website is protected by federal copyright law and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded, distributed, transmitted or redistributed in any manner for any purpose without prior written authorization by IO.

IO does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, you will comply with such law.

ACKNOWLEDGEMENT. BY USING THE SERVICE OR ACCESSING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, INCLUDING THE PRIVACY POLICY, AND AGREE TO BE BOUND BY THEM.

Insureio.com

PRIVACY POLICY

Last Updated: March 10, 2020

At Insureio Technologies, Inc. (“IO”), we believe your privacy and information security is important. The following Privacy Policy details our information gathering, protection, and handling practices relating to use of the website www.Insureio.com.

If you have issues or concerns relating to this privacy policy, please contact us at [support@Insureio.com].

Security

This site uses restrictive firewalls to protect stored data, which includes any personally identifiable information you have submitted on this site and uses 128 bit SSL (Secure Sockets Layer) certificates to encrypt data transferred between you and the Site. It is suggested that you use a browser that supports SSL and that the encryption feature of your browser is not disabled when you submit information online.

We take all reasonable and commercial efforts to protect your data, however, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting services, internet intermediaries, your internet service provider, and other service providers cannot be assured. When you use Insureio you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability.

If you feel more comfortable submitting your information by phone, please call us at 877-935-6755.

Why We Collect Visitor Information

There are four reasons why we collect visitor information on this site. (1) Information is collected to provide real-time, accurate life insurance quotes. (2) Information is collected to initiate the application request process and/or to begin the purchase of life insurance. (3) Information is collected regarding your use of this site in an effort to make this site better for our users. (4) Information is collected regarding your general geographic location, the site that referred you to this site, and hardware and software used to view this site in an effort to optimize our marketing efforts.

The only personally identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends and are not used to track the usage patterns of individual users.

What Information We Collect and How We Use It

When you use our services, consult with our customer service team or brokerage managers, send us an email, post on our blog, sign up for our mailing list, integrate our services with another website or service, or communicate with us in any way, you are voluntarily giving us information that we collect. The paragraphs below explain the methods we use to collect information, what information we collect, and how we use it. By giving us this information, you consent to this information begin collected, used, disclosed, transferred to the United States and stored by us.

Insurance Quotes

This site provides life insurance quotes free of charge to our life insurance agents. To provide accurate life insurance quotes, certain information must be collected, including state of residence, date of birth, gender, height, weight, coverage amount desired, term period desired, health classification of the proposed insured, and tobacco use. For simplified issue and guaranteed issue life insurance quotes, other health information may also be required.

All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates from these carriers, the information mentioned above must be collected.

Cookie

A cookie is a piece of data stored on a user's computer that is tied to information about that user. None of the cookies this site uses are linked in any way to personally identifiable information.

This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. Persistent cookies are small text files stored on the user's hard drive for an extended period of time. Persistent cookies can be removed at any time by following help directions provided by your internet browser. Cookies may be disabled at any time by following help directions provided by your internet browser.

Information collected by cookies is analyzed to determine the effectiveness of our site. Users that reject our cookies may still use our site

Log Files

When visitors enter and surf through the pages of our site, our server logs information including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor's browser, operating system, and screen resolution. This data is analyzed to understand better what our visitors are looking for and to improve the quality of our site. We look for trends, identify most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns, or use these technologies to gather emails or personally identifiable information.

How We Communicate With Our Clients

Once a user has initiated a relationship with IO through this site, various forms of communication may ensue. They include (1) contact by telephone; (2) contact by text message; (3) contact by email; (4) contact by mail; (5) contact by fax. All contact is to help our agents and their clients apply for, purchase, and/or get life insurance and/or other forms of insurance (such as annuity, auto, home, health, etc.). Contact may come from IO or any one of its carriers, affiliates, vendors, or partners.

If at any time you desire that we cease contact with you, please send a letter detailing your request to the following address:

Insureio Technologies, Inc.
2266 Lava Ridge Court
Roseville, CA 95661

Your Personal Information Options

By providing your personally identifiable information on this site, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with IO and are inviting, consenting to, and requesting contact and information from IO, which may be provided to you online, by phone, fax, email, or mail by IO or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we, or our carriers, affiliates, vendors, or partners, contacted you without your express consent.

If at any time you desire that we cease contact with you, we will honor your request to place you on our internal "Do Not Contact" list.

Email

If you purchased or signed up for a free trial of Insureio, we may periodically email you to let you know about new programs or services we offer that we think you might benefit from. Other reasons we might contact you include the following:

• To send you service alerts. This includes notice of temporary or permanent changes to our services, such as planned outages, new features, changes to the way we process applications, software updates, changes to our website, abuse warnings, and changes to our Privacy Policy.
• To provide support or answer questions. Our website includes contact emails and forms provided for the purpose of allowing you to ask us questions about policies, underwriting, and more. If you contact us, we will use the information provided to answer your questions.
• To fulfill a legal obligation. Should the need arise, we will contact our clients and subscribers to enforce compliance with our Terms of Use, applicable law, or to meet the legal requirements of any relevant court orders, valid discovery requests, valid subpoenas, or other valid legal requests for information.

You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of any one of our emails.

Update/Change Personal Information

If you would like to update or change the personal information we have on file for you, please contact us at 877-935-6755.

Carrier, Partner, Vendor, and Affiliate Privacy Policies

IO may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in brokering the sale of insurance. IO is not liable or responsible for these third-party company's privacy policies or procedures, or any loss or breach of data through these third-party systems. Please contact these individual organizations with questions regarding their Privacy Policies.

Website Areas Beyond IO’s Control

Public Forums

The Site may include interactive forums such as message boards and chat rooms. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Third Party Websites

The Site may contain links to other websites. If you choose to visit other websites, we are not responsible for the privacy practices or content of those other websites, and it is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their policies.

Spam Policy

IO does not spam. Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. If you receive an email from IO, it is because (1) you expressly shared your email address with us for the purpose of receiving information in the future (also known as "opt-in"), or (2) you have purchased from us or have a current relationship with us.

By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information.

You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of any one of our emails.

Legal Requests & Emergencies

We cooperate with law enforcement inquiries and demands for information that are made under force of law. Therefore, we may provide personal information to law enforcement agencies in what we believe to be emergency situations, we may provide personal information where required by statute, court order, legal process or lawful authority, and we may provide it to our legal counsel in connection with the foregoing.

Privacy Policy Updates

This Privacy Policy may be updated at any time. IO routinely looks for new and safer ways to protect client information. Consequently, this Privacy Policy may be updated to reflect those changes. You must review this Privacy Policy each time you use this site.

Contacting Us

If you have any questions regarding this document, our procedures and policies, this site, or your relationship with us, please contact us at the address below.

Insureio Technologies, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
877-935-6755
support@Insureio.com