Legal

Privacy Policy

Our Commitment To Privacy

As a customer of Spectrum Direct Insurance Services, Inc. (together with its business partners, "we", "us" or "our"), you can be assured that we value our relationship with you, and make every reasonable effort to protect your nonpublic personal information. To keep you informed of our privacy practices, we are required by the Federal Government to provide you our Privacy Policy, at the inception of our relationship and annually thereafter, regarding our treatment of nonpublic personal information. This Privacy Policy will help you understand the information we collect, how we use it, how we protect it and when and if we share it.

Nonpublic personal information, as used in this notice, means nonpublic personal financial and nonpublic personal health information. Nonpublic personal financial information, as used in this notice, means information, other than health information that identifies an individual and is not otherwise available to the public. This includes personal financial information such as income, financial benefits, history, policy or claim information. Nonpublic personal health information, as used in this notice, means information that identifies an individual's health information such as medical records, lab results or underwriting results, or other information about illness, disability or injury.

Information We Collect

We may collect nonpublic personal information in a number of ways: information you provide us on our website or through a paper application; data related to your transactions with us, our affiliates, or others; and information we receive from consumer reporting agencies or otherwise with your consent. Information collected may include: personal information, such as your name, and address; financial information, such as your income and assets; health information (for life insurance purchasers), such as individual medical records, lab results, or other information about an illness, disability or injury; and information we collect to complete payment. We may also receive nonpublic personal information from agents, service providers, and partners providing marketing services.

Information We Disclose

We do not release nonpublic personal information about our customers or former customers to anyone other than as permitted by law or as described in this policy. We may also disclose nonpublic personal financial information to government enforcement agencies as appropriate in connection with suspected terrorist or other criminal activities. We disclose nonpublic information to only those employees who need it to service your policy. We may disclose the information that we collect to our business partners or third parties from time to time for marketing purposes and to enhance our products and services to better suit your needs. When identifying methods of improving our products and services or if we think a product may be of interest to you, we may arrange to extend select special offers of goods or services to you either directly or through affiliates. We won't share your health data with anyone without your written consent.

Security

We always strive to maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information. We use encryption and authentication tools to protect your personal information during our application process. We do use Internet cookies, which are small pieces of data stored by your Internet browser on your computer's hard drive. Our web site uses these cookies to facilitate the application process. We do not use cookies for any other purpose nor do these cookies store any personally identifying information.

Changes in Corporate Structure

If all or part of the company or its assets are sold, merged or otherwise transferred to another entity, the data, whether personally identifiable or otherwise, associated with the services provided by that part of the company may be transferred to the prospective owners subject to strict confidentiality agreements or to the new owners as part of that transaction.

Other Financial Service Providers

Please note that if you directly provide nonpublic personal information to other financial service providers not affiliated with us, for example, independent referring agents or brokerage firms, their use of such information will not be governed by this privacy notice. If you provide nonpublic personal information to us on a website that we sponsor together with another financial service provider, you are providing your nonpublic personal information to both us and the other financial service provider. You should review the privacy notice of any such third parties to understand how they collect, use and disclose such information.

"Do Not Call" Policy

Spectrum 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 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 those 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:

Privacy Notice Changes

We reserve the right to change this privacy notice at any time. You agree to obtain annual notices of, and changes to, this privacy notice electronically by visiting this Site. Therefore, we encourage you to review this Site from time to time to review changes to our privacy notice.

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.

A Note on the Electronic Signature

Taking advantage of recently enacted federal and state law, we developed a two-step approach for using digital signatures online. The first step is for the applicant to agree to the terms of the policy, affirming that all the information in the form is correct. The second step is a third-party verification process ensuring that the content of the policy and the applicant's digital signature can never be modified or tampered with in any way.

Trademarks

Spectrum Direct, SpectrumDirect.com, and the Spectrum Direct logo are trademark property of Spectrum Direct Insurance Services, Inc. All content and graphics on our site are protected by U.S. trademark, copyright, international treaties and other applicable trademark and copyright laws, and may not be copied without the express permission of Spectrum Direct Insurance Services, Inc., which reserves all rights. Reuse of any of the content and graphics for any purpose without our permission is strictly prohibited.

Email Practices
	We comply with all requirements of the Federal Law "CAN-SPAM Act of 2003" enacted January 1, 2004.
	We use only subject lines informing you that the email message contains a message regarding financial products and services we offer.
	We use only "from" lines identifying us as Spectrum Direct.
	We mail only to opt-in lists.
	We require that all email list owners sign an agreement guaranteeing that they are in full compliance with Federal law.
	We always provide a link for you to click so that you can enter your email address to notify to exclude you from all future American Life Direct and Spectrum Direct mailings from any list. In compliance with the Federal law, all such requests are processed within 10 business days.
	We always provide an address for the recipient to notify us not to be included on any future American Life Direct and Spectrum Direct mailings from any list. In compliance with the Federal law, all such requests are processed within 10 days.
	We maintain a list of email addresses that have emailed us or written to us via postal mail requesting to be excluded from future emails.
	We include our postal address in all emails 26023 Acero, Suite 100, Mission Viejo, CA 92691.

To be excluded from future mailings, please click here.