This Policy provides details on how we treat any personal information you may submit to us.
Information We Collect and Use
We might collect and use personal information about you to respond to your request for products and services offered through the Site. Specifically, we collect information provided by you in connection with providing insurance quotes and other information about insurance products and services. We may also collect your email address if you wish to sign up for our newsletter or other alerts. We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.
Information Sharing and Disclosure
We share information about you under the following circumstances: Insurance Quote Requests. If you submit a request on the Site for quotes for insurance products or services, we will share the personal information contained in your request form (such as your full name, address, telephone number, email, information about your cars, etc.) with third parties, which include insurance agents, insurance carriers, lead aggregators, and other insurance service providers (“Service Providers”) in our network to process and fulfill your request for insurance quotes. In some circumstances, we may obtain additional information about you and/or share that information with Service Providers in our network.
All Service Providers in our network have entered into agreements with us which require them to secure any personal information provided through the Site and limit how they can use such information. These Service Providers are also required to comply with federal and state privacy regulations. By submitting your request to us, you understand that Service Providers may contact you by telephone (including through automated calling or on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of ltclifeinsure.com or one of these Service Providers. If one of the Service Providers contacts you and you wish not to be contacted again by that Service Provider with respect to your inquiry, then you should specifically make a request to that Service Provider. Please note that the Service Providers may maintain the information you provided whether or not you elect to use their services.
Aggregate, Non-Personal, or De-identified Information.
We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect with third parties, including our affiliates, to develop and deliver targeted advertising on our Site and on the websites of third parties and our affiliates.
Some of the links found on https://ltclifeinsure.com/are affiliate referral links. This means that if a reader clicks on text or an image, https://ltclifeinsure.com/ may receive a commission from purchases. There is no additional cost to you, it simply helps pay for maintenance of our site. For example, if we are an an Amazon Associate we would earn from qualifying purchases.
Information Collection Technologies
Please visit http://www.google.com/policies/technologies/ads/ to find additional information and options to remove or disable cookies, and to opt out of certain targeted advertisements.
Log Files. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.
Clear Gifs. We may employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site and in our HTML emails by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users’ personally identifiable information. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
If we supply a means by which you provide your contact information to us through the Site, you are registering to receive communications from us directly, on our website or through a third party. We might periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at [email protected] You may also opt-out by clicking on the unsubscribe link in our emails.
Third Party Advertisers
Please note that we can only control our own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a Service Provider in our network, any use of your information by that Service Provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their email communications.
Confidentiality and Security
The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard personal information about you.
Third Party Links
A Special Note about Children’s Privacy
You must be at least 14 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 14 years of age. If you are under 14 years of age, you can use the services offered on our website only in conjunction with your parents or guardians.
Updating, Obtaining or Removing
Your Information Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, please send your request via email to [email protected]
Special Notice to California Residents
We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at [email protected] Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties.
Visitors outside the United States
Questions and Suggestions
Your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Before each use, please consult these Terms and Conditions of Use carefully. This website is powered by Fleming Insurance. 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 Fleming Insurance.
The information presented on Fleming Insurance is not an offer to sell insurance. The material contained in this website is for informational purposes only and is only intended to provide a general description. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent.
All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not every policy or coverage is available in every state.
We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us.
Please contact our office at 864-626-6181 or send an email to [email protected] to discuss specific coverage details and your insurance needs.
All content is for informational purposes only and is not an offer to sell insurance. Statements on this website as to polices and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation.
Fleming Insurance 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.
Rates which may be provided on-line or via e-mail, mail, or fax are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state. Unisex rates, with most carriers, are the same as male rates, apply in South Carolina.
This web site has been painstakingly designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions about their life insurance. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided. The information in the website is provided “as is” and without warranties of any kind either expressed or implied. Fleming Insurance hereby disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
The information contained in this website is published in the United States for some, but not all the residents of the United States of America. The content herein should be deemed to be published by Fleming Insurance and not any other party, including any particular insurance company(s). In no event shall Fleming Insurance be personally be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.
We might supply a web quoting engine to you, the consumer, with the opportunity to see the prices for various different rate classifications, based on YOUR selection of a rate class on our quote request page. Your decision to view the prices from multiple insurance companies based on a rate class that you selected is, in no way, indicative of whether or not you may qualify for that particular rate class. Automated quoting is a very inaccurate process. This is why we also ask you to provide significant additional information, beyond that which is necessary for a simple perusal of rates via the web, so that we can spend the time necessary to create a CUSTOM quote for you. This custom quote is ordinarily provided to you via telephone, often after a telephone conversation with a licensed agent.