LifeAssurancePro.com Privacy Policy  

Introduction

This Privacy Policy outlines [Apex Capital Financial INC] (" we ", " our " or " the Company ") practices with respect to information collected from users who access our website at [LifeAssurancePro.com] (" Site "), or otherwise share personal information with us (collectively: " Users "). 

Grounds for data collection 

  1. Consent: By voluntarily providing your personal information to us, you give your explicit consent for us to collect and process that information for the purposes stated in this policy. You have the right to withdraw your consent at any time by contacting us directly.
  2. Contractual Obligations: We may collect and process your personal information to fulfill our contractual obligations with you, such as providing requested services, responding to inquiries, and delivering the products or services you have requested.
  3. Legitimate Interests: We may collect and process your personal information based on our legitimate interests, such as improving our services, conducting market research, preventing fraud, and ensuring the security of our website and systems. We will always balance our interests against your rights and privacy.
  4. Legal Compliance: We may collect and process your personal information to comply with applicable laws, regulations, or legal obligations.
  5. Vital Interests: In certain situations, we may collect and process your personal information to protect your vital interests or the vital interests of others, such as in emergency situations where your life or health may be at risk.
  6. When you use the Site, you consent to the collection, storage, use, disclosure and other uses of your Personal Information as described in this Privacy Policy.


We encourage our Users to carefully read the Privacy Policy and use it to make informed decisions.

What information we collect?

We collect two types of data and information from Users. 


The first type of information is un-identified and non-identifiable information pertaining to a User(s), which may be made available or gathered via your use of the Site (“ Non-personal Information ”). We are not aware of the identity of a User from which the Non-personal Information was collected. Non-personal Information which is being collected may include your aggregated usage information and technical information transmitted by your device, including certain software and hardware information (e.g. the type of browser and operating system your device uses, language preference, access time, etc.) in order to enhance the functionality of our Site. We may also collect information on your activity on the Site (e.g. pages viewed, online browsing, clicks, actions, etc.).


The second type of information Personal Information which is individually identifiable information, namely information that identifies an individual or may with reasonable effort identify an individual. Such information includes:

 

  • Device Information: We collect Personal Information from your device. Such information includes geolocation data, IP address, unique identifiers (e.g. MAC address and UUID) and other information which relates to your activity through the Site.
  • We may collect personal information such as your name, contact details (email address, phone number, home address, age), and any other information you voluntarily provide when submitting forms or communicating with us.

 

How do we receive information about you?

We receive your Personal Information from various sources:
  • When you voluntarily provide us your personal details in order to register on our Site;
  • When you use or access our Site in connection with your use of our services;
  • From third party providers, services and public registers (for example, traffic analytics vendors).

What information we collect?

We may collect the following types of personal information:


  1. Contact Information: This may include your name, email address, phone number, and mailing address.
  2. Demographic Information: We may collect demographic details such as age, gender, and occupation.
  3. Financial Information: If applicable, we may collect financial information necessary for assessing your eligibility for insurance coverage or financial planning services.
  4. Health Information: In the case of life insurance or related services, we may collect health-related information to assess risks and determine coverage options. This information is collected with your explicit consent and in compliance with applicable laws and regulations.
  5. Communication Records: We may retain records of communications, such as emails or call logs, for quality assurance, training, or legal purposes.
  6. Website Usage Information: We collect information about your interactions with our website, including IP address, browser type, referring/exit pages, and timestamps. This helps us analyze website performance and improve user experience.


We use the collected information for the following purposes:


  1. Providing Services: We use the information to fulfill your requests, deliver the requested products or services, and communicate with you about your inquiries or transactions.
  2. Personalization: We may use your information to personalize our services, content, and recommendations based on your preferences and needs.
  3. Communication: We may use your contact information to send you relevant updates, newsletters, marketing materials, or other communications related to our services. You have the option to unsubscribe from these communications at any time.
  4. Improvement and Research: We may use your information to improve our services, develop new products, conduct research, and perform data analysis to enhance the overall customer experience.
  5. Legal Compliance: We may use and disclose your information as required by applicable laws, regulations, or legal processes.


 We may also disclose information if we have good faith to believe that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process or governmental request; (ii) enforce our policies (including our Agreement), including investigations of potential violations thereof; (iii) investigate, detect, prevent, or take action regarding illegal activities or other wrongdoing, suspected fraud or security issues; (iv) to establish or exercise our rights to defend against legal claims; (v) prevent harm to the rights, property or safety of us, our users, yourself or any third party; or (vi) for the purpose of collaborating with law enforcement agencies and/or in case we find it necessary in order to enforce intellectual property or other legal rights.

User Rights

You may request to: 

 

  1. Receive confirmation as to whether or not personal information concerning you is being processed, and access your stored personal information, together with supplementary information. 
  2. Receive a copy of personal information you directly volunteer to us in a structured, commonly used and machine-readable format. 
  3. Request rectification of your personal information that is in our control.
  4. Request erasure of your personal information. 
  5. Object to the processing of personal information by us. 
  6. Request to restrict processing of your personal information by us.
  7. Lodge a complaint with a supervisory authority.

However, please note that these rights are not absolute, and may be subject to our own legitimate interests and regulatory requirements. 


If you wish to exercise any of the aforementioned rights, or receive more information, please contact our Data Protection Officer (“DPO”) using the details provided below:

Mario A. Ramirez / info@apexcapitalfinancial.com

Retention

We will retain your personal information for as long as necessary to provide our services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our policies. Retention periods will be determined taking into account the type of information that is collected and the purpose for which it is collected, bearing in mind the requirements applicable to the situation and the need to destroy outdated, unused information at the earliest reasonable time. Under applicable regulations, we will keep records containing client personal data, account opening documents, communications and anything else as required by applicable laws and regulations. 

We may rectify, replenish or remove incomplete or inaccurate information, at any time and at our own discretion.

Cookies

We and our trusted partners use cookies and other technologies in our related services, including when you visit our Site or access our services. 

A "cookie" is a small piece of information that a website assign to your device while you are viewing a website. Cookies are very helpful and can be used for various different purposes. These purposes include allowing you to navigate between pages efficiently, enable automatic activation of certain features, remembering your preferences and making the interaction between you and our Services quicker and easier. Cookies are also used to help ensure that the advertisements you see are relevant to you and your interests and to compile statistical data on your use of our Services. 

The Site uses the following types of cookies:

a. 'session cookies' which are stored only temporarily during a browsing session in order to allow normal use of the system and are deleted from your device when the browser is closed; 

b. 'persistent cookies ' which are read only by the Site, saved on your computer for a fixed period and are not deleted when the browser is closed. Such cookies are used where we need to know who you are for repeat visits, for example to allow us to store your preferences for the next sign-in; 

c. 'third party cookies' which are set by other online services who run content on the page you are viewing, for example by third party analytics companies who monitor and analyze our web access.

Cookies do not contain any information that personally identifies you, but Personal Information that we store about you may be linked, by us, to the information stored in and obtained from cookies. You may remove the cookies by following the instructions of your device preferences; however, if you choose to disable cookies, some features of our Site may not operate properly and your online experience may be limited.

We also use a tool called “Google Analytics” to collect information about your use of the Site. Google Analytics collects information such as how often users access the Site, what pages they visit when they do so, etc. We use the information we get from Google Analytics only to improve our Site and services. Google Analytics collects the IP address assigned to you on the date you visit sites, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to this Site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy.

Third party collection of information

Our policy only addresses the use and disclosure of information we collect from you. To the extent you disclose your information to other parties or sites throughout the internet, different rules may apply to their use or disclosure of the information you disclose to them. Accordingly, we encourage you to read the terms and conditions and privacy policy of each third party that you choose to disclose information to. 

This Privacy Policy does not apply to the practices of companies that we do not own or control, or to individuals whom we do not employ or manage, including any of the third parties which we may disclose information as set forth in this Privacy Policy. 

How do we safeguard your information?

We employ stringent measures to safeguard your personal information and ensure its protection. Here's how we safeguard your information:


  1. Security Measures: We implement industry-standard security measures to protect your personal information from unauthorized access, loss, or misuse. Our security protocols include firewalls, encryption, secure data storage, access controls, and regular security assessments.
  2. Data Minimization: We collect and retain only the necessary personal information required to provide our services effectively. We do not collect or store excessive or irrelevant information.
  3. Confidentiality: We treat your personal information as confidential and restrict access to authorized personnel who need it to perform their duties or provide services to you.
  4. Employee Training: We provide regular training to our employees to ensure they understand the importance of privacy and data protection. Our staff is educated on best practices for handling and safeguarding personal information.
  5. Third-Party Service Providers: We carefully select and evaluate third-party service providers to ensure they meet stringent privacy and security standards. We require them to handle personal information in accordance with applicable laws and regulations.
  6. Data Transfer Safeguards: If personal information is transferred to a jurisdiction outside your country of residence, we take steps to ensure the appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.
  7. Data Retention: We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by law. Once your information is no longer needed, we securely dispose of it.


Although we take reasonable steps to safeguard information, we cannot be responsible for the acts of those who gain unauthorized access or abuse our Site, and we make no warranty, express, implied or otherwise, that we will prevent such access.

Transfer of data outside the EEA 

Please note that some data recipients may be located outside the EEA. In such cases we will transfer your data only to such countries as approved by the European Commission as providing adequate level of data protection, or enter into legal agreements ensuring an adequate level of data protection.

Advertisements and Opt-Out Policy

At LifeAssurance Pro, we respect your preferences and provide you with options to manage your communication preferences. This opt-out policy outlines how you can opt out of receiving certain communications from us.


Email Communications: If you no longer wish to receive marketing emails or newsletters from us, you can opt out by following the instructions provided in the email itself. Typically, an unsubscribe link is included at the bottom of the email. Clicking on this link will allow you to opt out of future email communications from us.

Phone Communications: If you no longer wish to receive marketing calls or phone communications from us, you can inform our representative during the call or contact our customer service team directly. Please provide your name and phone number, and we will update our records accordingly to ensure you are removed from our marketing contact list.

Postal Mail Communications: If you no longer wish to receive marketing materials or postal mail communications from us, please contact our customer service team and provide your name and mailing address. We will update our records to exclude you from future mailings.

Please Note: Even if you choose to opt out of receiving marketing communications, we may still contact you for non-marketing purposes, such as transactional or service-related communications. These may include policy updates, account notifications, or important information regarding your relationship with LifeAssurance Pro.

Updating Your Preferences: If you change your mind in the future and wish to resume receiving marketing communications from us, you can update your preferences by contacting our customer service team or following the instructions provided in the communication you previously opted out of.

Third-Party Communications: Please note that this opt-out policy applies only to communications directly from LifeAssurance Pro. If you receive communications from third parties that are not affiliated with us, you will need to contact those parties directly to manage your communication preferences with them.


We may use a third-party advertising technology to serve advertisements when you access the Site. This technology uses your information with regards to your use of the Services to serve advertisements to you (e.g., by placing third-party cookies on your web browser). 


You may opt-out of many third-party ad networks, including those operated by members of the Network Advertising Initiative ("NAI") and the Digital Advertising Alliance ("DAA"). For more information about this practice by NAI and DAA members, and your choices regarding having this information used by these companies, including how to opt-out of third-party ad networks operated by NAI and DAA members, please visit their respective websites: http://optout.networkadvertising.org/#!/ and http://optout.aboutads.info/#!/ .

Marketing

We may use your Personal Information, such as your name, email address, telephone number, etc. ourselves or by using our third party subcontractors for the purpose of providing you with promotional materials, concerning our services, which we believe may interest you.  

Out of respect to your right to privacy we provide you within such marketing materials with means to decline receiving further marketing offers from us. If you unsubscribe we will remove your email address or telephone number from our marketing distribution lists. 

Please note that even if you have unsubscribed from receiving marketing emails from us, we may send you other types of important e-mail communications without offering you the opportunity to opt out of receiving them. These may include customer service announcements or administrative notices.

Corporate transaction

We may share information in the event of a corporate transaction (e.g. sale of a substantial part of our business, merger, consolidation or asset sale). In the event of the above, the transferee or acquiring company will assume the rights and obligations as described in this Privacy Policy.

Minors

We understand the importance of protecting children’s privacy, especially in an online environment. The Site is not designed for or directed at children. Under no circumstances shall we allow use of our services by minors without prior consent or authorization by a parent or legal guardian. We do not knowingly collect Personal Information from minors. If a parent or guardian becomes aware that his or her child has provided us with Personal Information without their consent, he or she should contact us at info@apexcapitalfinancial.com

Updates or amendments to this Privacy Policy

We reserve the right to periodically amend or revise the Privacy Policy; material changes will be effective immediately upon the display of the revised Privacy policy. The last revision will be reflected in the "Last modified" section. Your continued use of the Platform, following the notification of such amendments on our website, constitutes your acknowledgment and consent of such amendments to the Privacy Policy and your agreement to be bound by the terms of such amendments.

How to contact us

If you have any general questions about the Site or the information we collect about you and how we use it, you can contact us at info@apexcapitalfinancial.com

Last Modified 888-238-4441