1. Who we are?
2. What categories of data does life-capital.net collect?
2.1 Personal data. We collect, use, store and transfer different kinds of Personal data about you. “Personal data” means any information, including cookies, that may be used to identify, describe, or be reasonably linked to an individual or household. We may ask you to provide Personal data that will enable us to enhance your use of the Website, for purposes such as facilitating correspondence with you, registering your entitlement to access certain special features, or to transfer your request to our Partner. It is always your choice whether or not to provide that Personal data. If you choose not to provide requested Personal data, you may not be able to use certain features of the Website.
2.3. Identity data, including your name, birthdate, age and any of the following pieces of information related to your spouse and children.
2.4. Biographical details, including marital status, gender and employment status.
2.5. Contact details, including your home or other physical address, email address, and phone number.
2.6. Driver details, including policy information, driving record information, car accident details and vehicle information.
2.7. Financial details, including your credit information and annual income.
2.8. Health details, including your biometric parameters (height, weight) and details about medical conditions.
2.9. Technical information, such as IP address or other device address or ID.
3.3. We will notify you about material changes in the way we treat your information, including by placing a prominent notice on the Website or by sending you an email so that you can choose whether to continue using the Website.
4. What rights do you have with regard to your Personal Data?
4.1. You are entitled to the full range of rights under the GDPR, and we are committed to respecting your rights. Among these, you have the right to:
4.1.1. require access to your Personal data (Art. 15 GDPR);
4.1.2. require rectification of your Personal data rectification (Art. 16 GDPR);
4.1.3. require deletion of your Personal data deletion (Art. 17 GDPR; CCPA);
4.1.4. require restriction of the processing of your Personal data processing (Art. 18 GDPR);
4.1.5. require the transfer of your Personal data transfer (Art. 20 GDPR; CCPA);
4.1.6. object to the processing of your Personal data processing (Art. 21 GDPR);
4.1.7. object to automated processing (if any) of your Personal data (Art. 22 GDPR);
4.1.8. withdraw your consent to the processing of your Personal data processing , if applicable (Article 7(3) GDPR);
4.1.9. lodge a complaint with your national supervisory authority (in the EEA) if you believe that your privacy rights have been violated (Art. 13(2)(d), 14(2)(e), 15(1)(f) GDPR);
4.1.10. request to receive certain information about the personal data we have collected about you in the last 12 months. You may make such a request no more than 2 times within a 12-month period (CCPA).
5. Special Notice For California Residents
5.1. If you are a California resident, then you have certain rights under the California Consumer Privacy Act ("CCPA”) regarding your Personal data.
5.2. Access to Personal data Rights. You have the right to request that we disclose certain information to you about our collection, use and disclosure of your Personal data. This includes your right to request the specific pieces of Personal data that we have collected about you.
5.3. Deletion Request Rights. You have the right to request that we delete any of your Personal data that we collected from you and retained, subject to certain exceptions provided by law.
5.5. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your Personal data. You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable consumer request must:
5.5.1. Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal data or an authorized representative.
5.5.2. Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. We cannot respond to your request or provide you with Personal data if we cannot verify your identity or authority to make the request and confirm the Personal data relates to you.
5.6. We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
5.6.1. deny you goods or services;
5.6.2. charge you different prices or rates for goods or services;
5.6.3. provide you a different level or quality of goods or services;
5.6.4. or suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
5.7. We also plan to introduce new opportunities for the implementation of the rights of users - residents of California after the entry into force California Privacy Rights Act (CPRA), which introduces four California consumer privacy rights that are not present in the CCPA:
5.7.1. Right to Correct Information: A User has the right to request that a life-capital.net correct any inaccurate personal information.
5.7.2. Right to Limit Use and Disclosure of Sensitive PI: A Users has the right to limit the use and disclosure of their SPI to that “use which is necessary to perform the services or provide the goods reasonably expected by an average User who requests such goods and services.
5.7.3. Right to Access Information About Automated Decision Making: A User has the right to request “meaningful information about the logic involved in those decision–making processes, as well as a description of the likely outcome of the process with respect to the consumer.”
5.7.4. Right to Opt–Out of Automated Decision-Making Technology: A User has the right to opt–out of being subject to automated decision–making processes, including profiling.
6. How does life-capital.net receive your Personal data?
6.1. We collect your Personal data from and about you, including through direct interaction and communication. You give us your Personal data in your direct interactions with our Website, or with our partners, who previously have collected any sort of Contract Details. Such Personal data includes Identity data, Contact details, Biographical details, Driver details, and Financial details which you give us from time to time (i) by using our Website and by corresponding with us by email or post, or by speaking to us in person or over the telephone.
6.2. We may receive your Technical information automatically. When you visit the Website we may automatically receive and record certain information from your computer, web browser and/or mobile device, including without limitation:
6.2.1. IP address or other device address or ID.
6.2.2. Web browser and/or device type.
6.2.3. Geolocation data, including if you use the Website on a mobile device.
6.2.4. Hardware and software settings and configurations.
6.2.5. Pages you view on the Website.
6.2.6. Your actions on the Website.
7. How does the life-capital.net use your Personal data?
7.2 Your Personal data is an integral part of our operations, and we use it in a variety of ways in providing the Website and operating our business. We use the Personal data you provide, for example:
7.2.1. To provide you the Services you request and enable non-affiliated third parties to provide additional services to you.
7.2.2. To operate, maintain and improve the Services and create new features and functionality.
7.2.3. To understand and analyze usage trends and preferences of our users across different devices.
7.2.4. For fraud detection and information security.
7.3. We may use your e-mail address or other Personal data
7.3.1. to contact you for administrative purposes such as customer service;
7.3.2. to send you promotional materials, offers, and/or messages related to the Website and the activities of third parties we work with.
7.4. Generally, you can opt out of receiving promotional communications, through links provided in the messages, by contacting us directly at email@example.com.
7.5. We may use Technical information to: monitor and analyze how our Website operates properly.
7.6. When you want to resume your quoting process at a later point and maintain a session across one device, we may use the Personal data to enable you to retrieve your quotes.
7.7. We also use information to perform data analyses (including market and consumer research, trend analysis, financial analysis, and anonymization of Personal data), protect against, identify and prevent fraud and other criminal activity, claims and other liabilities, and comply with and enforce applicable legal requirements, relevant industry standards and our policies.
8. How do we share your Personal data?
8.1. We may disclose your information in connection with providing you with the access to the Website and the operation of our business. For example, we may share personal information, such as name, email, address and other identifying information, with nonaffiliated Partners to verify your identity in connection with your use of certain aspects of the services available through the Website.
8.2. We may share information collected directly from you with nonaffiliated third-party Partners in connection with your use of specific aspects of the Services when you request to prequalify for insurance service via our Website. life-capital.net may share Personal data it collects about you to or with third parties, including our Partners, but only if we believe based upon your actions (including your actions and submissions via our Website) that you intend to interact with such Partner through your use of our Service.
8.3. The life-capital.net does not sell your Personal information to our Partners or other third parties.
8.4. We may share Technical information such as IP address as well as de-identified information with nonaffiliated third-party lending partners when you leave our Website (for example, from a rate table or review) to go to a third-party lender site to request information or apply for financial products.
8.5. We may share your information with third-party service-providers to support our internal and business operations. In such cases, service-providers may use the information only as necessary to provide the services to us and are contractually required to keep your information confidential and secure. For example:
8.5.1. For Website hosting, data storage, maintenance, and other services for us.
8.5.2. For internal marketing, delivery of emails, including promotional, marketing and transactional materials, delivery of other promotional materials, including via postal mailers, SMS and text messaging, and online and social media promotions and advertising.
8.5.3. For fraud prevention and security purposes.
8.6. We may share deidentified and/or aggregate analytics with third-party service-providers about how users interact with our Website, including usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Website.
8.7. We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as copyright law), in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.
8.8. We may use third-party service providers' tracker software designed for collecting and analyzing users data visiting our Website, share this data with our service provider (e.g. with DataMagicians) and getting back email addresses for providing commercial communication with our potential clients.
8.10. If you submit a request through our Website, a third-party Partner may directly contact you with quotes or information via telephone and/or email. You may also receive telemarketing calls as a result of submitting the request, even if you are on the National Do Not Call Registry or any other similar registry.
8.12. Unless you initiate a phone exchange with us, we will not contact you by telephone, and we will never share with third parties any telephone number(s) that you provide to us or that we may receive from third parties.
8.13. Agents or contractors of life-capital.net may have access to your Personal data on a need-to-know basis for the purpose of performing services on behalf of The life-capital.net. All such agents or contractors who have access to such information are asked to keep the information confidential and not use it for any other purpose than to carry out the services they are performing or as otherwise required by law.
8.14. The life-capital.net or its agents or contractors may disclose Personal data if required to do so by law or in the good faith belief that such action is necessary to:
8.14.1. conform to the edicts of the law or comply with legal process;
8.14.2. protect and defend the rights or property of life-capital.net or its agents or contractors; or
8.14.3. act in urgent circumstances to protect the personal safety of users of the Website or the public.
8.15. Finally, if life-capital.net should ever merge with another organization, file for bankruptcy, or sell our assets, we may transfer the information you provide to us on through the Website to a third party, Partner or share your Personal data to the company with which we enter into such transaction as a part of such transaction.
9. How do we secure your personal data?
9.1. We maintain physical, electronic, and procedural safeguards designed to protect Personal data, and our systems are designed to protect Personal data from unauthorized usage on shared computers in that users are required to log in through our applications.
9.2. Please keep in mind that whenever you voluntarily disclose Personal data through public facing aspects of the Website, through e-mail, or in chat areas, that information can be collected and used by others. In short, by posting Personal data online that is publicly accessible, you may receive unsolicited messages from other parties in return. We are not responsible for the security or privacy of any Personal data you choose to submit in connection with these public features and during your negotiation with any of Partners.
9.3. We may send an email to you at the email address you have provided to us in the event of a security breach. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.
10. International Transfers
10.1. Personal data collected through the Service may be stored and processed in the United States and Ukraine or any other country in which life-capital.net or its affiliates, subsidiaries, agents or contractors maintain facilities, and by using the Service, you consent to any such transfer of information outside of your country.
10.2. When international transfer of personal data occurs we initiate a Data Protection Agreement conclusion with our affiliates, subsidiaries, agents or contractors prior to such transfer.
11. How To Contact Us
Address:109 E 17th st, ste 450, Cheyenne, WY, 82001