Privacy Policy - Pinney Wholesale
Insurance Services
At Pinney Wholesale Insurance Services (hereafter called "Wholesale"), we believe your privacy and information security is important. The following Privacy Policy details our information gathering, protection, and handling practices relating to use of the website www.wholesaleinsurance.net.
If you have issues or concerns relating to this privacy policy, please contact us by clicking here.
Security
Pinney Wholesale Insurance Services is an accredited member of the BBB Online Reliability Program. This site uses Verisign's SSL (Secure Sockets Layer) Certificate to encrypt and protect all information submitted through this website. It is suggested that you use a browser that supports SSL and that the encryption feature of your browser is not disabled when you submit information online. In addition to SSL, we also use firewalls to secure all data stored on our servers, which includes any personally identifiable information you have submitted on this site.
If you feel more comfortable submitting your information by phone, please call us at 800-823-4852.
Why We Collect Visitor Information
There are four reasons why we collect visitor information on this site. (1) Information is collected to provide real-time, accurate life insurance quotes. (2) Information is collected to initiate the application request process and/or to begin the purchase of life insurance. (3) Information is collected regarding your use of this site in an effort to make this site better for our users. (4) Information is collected regarding your general geographic location, the site that referred you to this site, and hardware and software used to view this site in an effort to optimize our marketing efforts.
The only personally identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends and are not used to track the usage patterns of individual users.
What Information We Collect and
How We Use It
Insurance Quote Request Form
This site provides life insurance quotes free of charge to our visitors. To provide accurate life insurance quotes, certain information must be collected, including state of residence, date of birth, gender, height, weight, coverage amount desired, term period desired, health classification of the proposed insured, and tobacco use. For simplified issue and guaranteed issue life insurance quotes, other health information may also be required.
All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates from these carriers, the information mentioned above must be collected.
Insurance Application Request Form
This form represents the initiation of the insurance purchasing process. By filling out this form, you are requesting contact by a member of our staff regarding your purchase of insurance. The information collected on this form (name, mailing address, email, and phone numbers) will be used only to contact you regarding your purchase of insurance. Wholesale does not sell or give away this information. Wholesale may share this information with carriers, affiliates, vendors, and partners (such as life insurance carriers) in an effort to provide the best service and products to our clients.
This form also requests other health and lifestyle information that is required on the majority of insurance applications. You do not need to fill out this information online, but you will need to provide it during the application process.
Cookie
A cookie is a piece of data stored on a user's computer that is tied to information about that user. None of the cookies this site uses are linked in any way to personally identifiable information.
This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. Persistent cookies are small text files stored on the user's hard drive for an extended period of time. Persistent cookies can be removed at any time by following help directions provided by your Internet browser. Cookies may be disabled at any time by following help directions provided by your internet browser.
Information collected by cookies is analyzed to determine the effectiveness of our site. Users that reject our cookies may still use our site.
Log Files
When visitors enter and surf through the pages of our site, our server logs information including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor's browser, operating system, and screen resolution. This data is analyzed to understand better what our visitors are looking for and to improve the quality of our site. We look for trends, identify most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns, or use these technologies to gather emails or personally identifiable information.
How We Communicate With Our
Clients
Once a user has initiated a relationship with Wholesale through this site, various forms of communication may ensue. They include (1) contact by telephone; (2) contact by email; (3) contact by mail; (4) contact by fax. All contact is to help our clients apply for, purchase, and/or get life insurance and/or other forms of insurance (such as annuity, auto, home, health, etc.). Contact may come from Wholesale or any one of its carriers, affiliates, vendors, or partners.
If at any time you desire that we cease contact with you, please send a letter detailing your request to the following address:
Pinney Wholesale Insurance Services
2266 Lava Ridge Court
Roseville, CA 95661
Your Personal Information Options
On Wholesaleinsurance.net
This site is open to public use without providing any personally identifiable information.
By providing your personally identifiable information on this site, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with Wholesale and are inviting, consenting to, and requesting contact and information from Wholesale, which may be provided to you online, by phone, fax, email, or mail by Wholesale or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we, or our carriers, affiliates, vendors, or partners, contacted you without your express consent.
If at any time you desire that we cease contact with you, we will honor your request to place you on our internal "Do Not Contact" list.
You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of any one of our emails.
Cookies
You may disable cookies on your browser at any time by following the prescribed method provided to you by your browser.
Update/Change Personal Information
If you would like to update or change the personal information we have on file for you, please contact us at 800-823-4852.
Carrier, Partner, Vendor, and Affiliate
Privacy Policies
Wholesale may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in your purchase of insurance. Wholesale is not liable or responsible for these third-party company's privacy policies or procedures, or any loss or breach of data through these third-party systems. Please contact these individual organizations with questions regarding their Privacy Policies.
Spam Policy
Wholesale does not spam. Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. If you receive an email from Wholesale it is because (1) you expressly shared your email address with us for the purpose of receiving information in the future (also known as "opt-in"), or (2) you have purchased from us or have a current relationship with us.
By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information.
You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of any one of our emails.
Privacy Policy Updates
This Privacy Policy may be updated at any time. Wholesale is always looking for new and safer ways to protect our client's information. Consequently, this Privacy Policy may be updated to reflect those changes. It is suggested that you review this Privacy Policy each time you use this site.
Contacting Us
If you have any questions regarding this document, our procedures and policies, this site, or your relationship with us, please contact us at the address below.
Pinney Wholesale Insurance Services
2266 Lava Ridge Court
Roseville, CA 95661
Email us
