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Spectrum Direct Legal Notices

Updated February 13, 2012

Links

This Web site contains links to other sites. Please be aware that we, Spectrum Direct Insurance Services, Inc., are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Security

We always strive to maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information.

"Do Not Call" Policy

Fidelity Life Direct is committed to honoring the requests of its current and prospective customers. In support of this commitment and pursuant to regulations set forth by the Federal Communications Commission, we have adopted the following policy. This policy statement is being provided to our customers and visitors to our internet website.

We maintain a record of the name and contact telephone number for consumers who do not wish to be called. If you do not wish to receive sales calls from us, you can ask us to place your telephone number on our "Do Not Call" list. In compliance with federal and state laws, we will document your request immediately. Please allow up to 30 days for your telephone number to be removed from any sales programs that are currently underway.

Your request can be made in writing or by telephone, and must include at a minimum, your name and telephone number.

If you have multiple telephone numbers, tell us all numbers that you want to be included.

Any e-mail communication to you confirming receipt of your "Do Not Call" request will not be deemed to have violated this policy.

Our "Do Not Call" records are maintained for at least five (5) years, so consumers will not be burdened with periodic calls to renew a "Do Not Call" request.

If we solicit prospective customers, we also honor "Do Not Call" requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state agency lists. Many state "Do Not Call" regulations permit companies to contact their own customers even though they are on these "Do Not Call" lists. Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national "Do Not Call" list. If you do not want to be contacted by us even though you are a customer, simply follow the steps above to be placed on our "Do Not Call" list and your request will be honored.

Being on our "Do Not Call" list means that you will not receive any sales calls by anybody representing us. We may still contact you, however, for non-solicitation purposes. This could include things like billing and other service-related matters.

Any personnel involved with telemarketing and/or telephone solicitation with us are trained, informed and directed to comply with our "Do Not Call" policy. Consumers must inform us of any changes in name or telephone number if they move or wish to place a new telephone number on our "Do Not Call" list. This policy does not cover independent third parties, who may on their own initiative conduct telemarketing and/or telephone solicitation to solicit consumers for our products or services. If a consumer requests a copy of our "Do Not Call" policy, we will send a copy via U.S. Mail or electronic mail.

We intend to comply with all federal and state "Do Not Call" laws and regulations. If you have any questions or comments regarding our "Do Not Call" policy, you may contact us at:

Spectrum Direct Insurance Services, Inc.
19200 Von Karman Ave
Suite 600
Irvine, CA 92612
657-859-5500

Rate Quote Disclaimer

The purpose of this site is for general information only, and should not be interpreted as financial or professional advice.Therefore, we will not be held liable for any damage or loss arising from accessing this site or the use of information to be found on its pages. Care is taken to make sure the content and information on this site is factual and up to date.We, however, can accept no liability for any errors or omissions or the accuracy or completeness of this site, or any of its content.

In the event that there is a discrepancy between the information contained in the insurance rate quotes and any insurance company-authorized illustration and/or policy, the policy shall govern.

All materials and information in this site are provided "as is" and without warranties of any kind. By accessing this website, you agree that we will not be held liable for any loss or damage arising from the use of the information found here.

No coverage of any kind is bound by submitting information or receiving a quote.

Contact Information

If users have any questions regarding our privacy policy, please Contact Us.