Privacy Policy

Effective Date: January 1, 2024

This privacy policy pertains to www.summitlifesettlements.com, which is owned and operated by Summit Life Settlements Inc (referred as “SLS”, “Us”, or “We”. We appreciate you visiting our website. Your privacy is important to us. To help you understand our practices with respect to collecting your private information online, we developed this privacy policy. This privacy policy describes how SLS collects and uses the personal information you have provided on our website, www.summitlifesettlements.com. It also describes the choices available to you regarding the use of your personal information and how you can access and update it. If you have any questions or complaints regarding our privacy policy or practices, please contact us at info@slsettlements.com.

Information Collection and Use

Data Collection Method:

  • When a user submits our life settlement calculator or contact form, we will collect some of the following Personal Data from you through your voluntary disclosure.

We collect personal information from you on our website such as:

  • Contact info such as name, email, phone number, mailing address
  • Medical information such as health history and medical conditions
  • Demographic information such age, gender, marital status, and zip code

The information gathered is then used for:

  • Processing qualification status
  • Send requested servicing information
  • Fulfilling requests
  • Responding to customer service inquiries
  • Sending newsletters if opted in
  • Improving our website and marketing strategy
  • Conducted research and analytics 
  • Marketing and advertising to you, including via email

By undergoing submitting the forms, you consent to us collecting your Personal Data, including the Personal Data described in this clause, as well as storing, using or disclosing your Personal Data in accordance with this Privacy Policy.

How Personal Information is Stored

We use secure physical and digital systems to store your Personal Data when appropriate. We ensure that your Personal Data is protected against unauthorized access, disclosure, or destruction. Please note, however, that no system involving the transmission of information via the internet, or the electronic storage of data, is completely secure. However, we take the protection and storage of your Personal Data very seriously. We take all reasonable steps to protect your Personal Data. Personal Data is stored throughout your relationship with us. We delete your Personal Data upon request for cancelation of your account or other general request for the deletion of data. In the event of a breach of your Personal Data, you will be notified in a reasonable time frame, but in no event later than two weeks, and we will follow all applicable laws regarding such breach.

Information Sharing

We’ll share your personal information with third parties only the way described in the privacy policy below.

Service Providers

We may provide your personal information to companies that provide services to help our business activities such as sending emails and website hosting. We only share your Personal Data with a trusted related entity if that entity agrees to our privacy standards as set out in this Privacy Policy and to treat your Personal Data in the same manner that we do. These third parties are only authorized to use your personal information as necessary to provide the services required and are contractually required to keep your personal information confidential.

Email Marketing

You may be asked to provide certain Personal Data, such as your name and email address, for the purpose of receiving email communications. This information will only be obtained through your voluntary disclosure, and you will be asked to affirmatively opt-in to email marketing communications

Content Interaction

Our website may allow you to comment on the content that we provide or the content that other users provide, such as blogs, multimedia, or forum posts. If so, we may collect some personal data from you at that time, such as, but not limited to, username or email address.

Combined or Aggregated Information

We may combine or aggregate some of your personal data in order to better serve you and to better enhance and update our website for your and other consumers’ use. We may also share such aggregated information with others, but only if that aggregated information does not contain any personal data.

Legal Disclaimer

We may possibly disclose your personal information:

  • if required by law, to comply with a subpoena, bankruptcy, or necessary similar legal proceeding 
  • if we believe in good faith that the disclosure would be necessary to protect our rights, your safety or the safety of others.
  • to respond to a government request, or fraud investigation
  • if SLS in involved in a merger, acquisition, or sale of all or portion of its assets, you will be notified via email and through our website of any change in ownership or uses of your personal information, as well as choices you may have in regard to your personal information
  • to any other third party with your prior consent and approval to do so

User Access and Choices

If your personal information changes or is incorrect, you may ask to have it corrected, updated, amended, or removed by emailing our Customer Support team at info@slsettlements.com or by contacting us by telephone or postal mail through the contact information provided below. If our service is no longer desired, please contact us directly, and we will respond within 30 days. We will only retain your information as long as needed to provide you the services requested. We will only retain your information as necessary to comply with our legal obligations, to resolve disputes, or to enforce our contractual agreements.

Opting Out Preference

If you subscribe to our newsletter or SMS messaging, we will use the personal information you’ve provided to send you a newsletter or other information requested. If you choose to stop receiving text messages, text STOP to cancel messages. If you need help to unsubscribe to text, text HELP. If you choose to stop the marketing emails, you can choose to unsubscribe by following the unsubscribe instructions included in the emails or by contacting us at info@slsettlements.com.

The Personal Data We Receive Automatically

Cookies

We may collect information from you through automatic tracking systems (such as information about your browsing preferences) as well as through information that you volunteer to us (such as information that you provide during a registration process or at other times while using the Website, as described above). For example, we use cookies to make your browsing experience easier and more intuitive: cookies are small strings of text used to store some information that may concern the user, his or her preferences or the device they are using to access the internet (such as a computer, tablet, or mobile phone).

Cookies are mainly used to adapt the operation of the site to your expectations, offering a more personalized browsing experience and memorizing the choices you made previously. A cookie consists of a reduced set of data transferred to your browser from a web server and it can only be read by the server that made the transfer. This is not an executable code and does not transmit viruses. Cookies do not record or store any Personal Data. If you want, you can prevent the use of cookies, but then you may not be able to use our website as we intend. To proceed without changing the options related to cookies, simply continue to use our website.

Technical cookies

Technical cookies, which can also sometimes be called HTML cookies, are used for navigation and to facilitate your access to and use of the site. They are necessary for the transmission of communications on the network or to supply services requested by you. The use of technical cookies allows the safe and efficient use of the site. You can manage or request the general deactivation or cancelation of cookies 6/13 through your browser. If you do this though, please be advised this action might slow down or prevent access to some parts of the site.

Cookies may also be retransmitted by an analytics or statistics provider to collect aggregated information on the number of users and how they visit the Website. These are also considered technical cookies when they operate as described. Temporary session cookies are deleted automatically at the end of the browsing session – these are mostly used to identify you and ensure that you don’t have to log in each time – whereas permanent cookies remain active longer than just one particular session.

Third-party cookies

We may also utilize third-party cookies, which are cookies sent by a third-party to your computer. Permanent cookies are often third-party cookies. Most third-party cookies consist of tracking cookies used to identify online behavior, understand interests and then customize advertising for users. Third-party analytical cookies may also be installed. They are sent from the domains of the aforementioned third parties external to the site. Third-party analytical cookies are used to detect information on user behavior on our website. This place anonymously, in order to monitor the performance and improve the usability of the site. Third-party profiling cookies are used to create profiles relating to users, in order to propose advertising in line with the choices expressed by the users themselves.

Technology such as cookies, scripts, tags, and beacons are used by SLS and our partners, affiliates, or analytics and service providers such as Google Analytics. These technologies are used by analytics software to track trends, administer the site, track user experience on the site, as well as gathering user demographic data on our customer user base as a whole.

Support in configuring your browser

You can manage cookies through the settings of your browser on your device. However, deleting cookies from your browser may remove the preferences you have set for this Website. For further information and support, you can also visit the specific help page of the web browser you are using:

Log Data

Like all websites and mobile applications, this Website also makes use of log files that store automatic information collected during user visits. The different types of log data could be as follows:

  • internet protocol (IP) address;
  • type of browser and device parameters used to connect to the Website;
  • name of the Internet Service Provider (ISP);
  • date and time of visit;
  • web page of origin of the user (referral) and exit;
  • possibly the number of clicks.

The aforementioned information is processed in an automated form and collected in an exclusively aggregated manner in order to verify the correct functioning of the site, and for security reasons. This information will be processed according to the legitimate interests of the Data Controller. For security purposes (spam filters, firewalls, virus detection), the automatically recorded data may also possibly include Personal Data such as IP address, which could be used, in accordance with applicable laws, in order to block attempts at damage to the Website or damage to other users, or in the case of harmful activities or crime. Such data are never used for the identification or profiling of the user, but only for the protection of the Website and our users. Such information will be treated according to the legitimate interests of the Data Controller.

LSOs

Local Storage Objects (LSOs) such as HTML5 are used by our web site to store content information and preferences. Your browser has tools for removing LSOs.

Analytics/Log Files

Just like all websites, we automatically gather certain information and store it on log files. Included in this information is internet protocol (IP) addresses, types of browsers referring/exit page, internet service provider (ISP), date/time stamp, operating system, and clickstream data. We don’t use this information to identify individual users. This information is used to administer the web site, analyze trends, track the users’ experience navigating the site as well as gathering demographic information about our base as a whole. We do not link this data that is automatically collected to any personal information.

Behavioral Targeting/Re-Targeting

We partner with third party ad networks to either display advertisements on our web site or to manage our advertising on other sites. Our third party ad networks use cookies and web beacons to collect non-personally identifiable information about your activities on this web site and others in order to provide you with better targeted advertisements based on your interests.

Third Parties

We may utilize third-party service providers (“Third-Party Service Providers”), from time to time or all the time, to help us with our Website, and to help serve you. We may use Third-Party Service Providers to assist with information storage (such as cloud storage). 8/13 We may provide some of your Personal Data to Third-Party Service Providers in order to help us track usage data, such as referral websites, dates and times of page requests, etc. We use this information to understand patterns of usage of, and to improve, the Website. We may use Third-Party Service Providers to host the Website. In this instance, the Third-Party Service Provider will have access to your Personal Data. We may use Third-Party Service Providers to fulfill orders in relation to the Website. We may allow third parties to advertise on the Website. These third parties may use cookies in connection with their advertisements (see the “Cookies” clause in this Privacy Policy). Some of our Third-Party Service Providers may be located outside of the United States and may not be subject to U.S. privacy laws. The countries or regions in which our Third-Party Service Providers may be located are in the United States.

We only share your Personal Data with a Third-Party Service Provider if that provider agrees to our privacy standards as set out in this Privacy Policy. Notwithstanding the other provisions of this Privacy Policy, we may provide your Personal Data to a third party or to third parties in order to protect the rights, property or safety, of us, our customers or third parties, or as otherwise required by law. We will not knowingly share your Personal Data with any third parties other than in accordance with this Privacy Policy. If your Personal Data might be provided to a third party in a manner that is other than as explained in this Privacy Policy, you will be notified. You will also have the opportunity to request that we not share that information. In general, you may request that we do not share your Personal Data with third parties. Please contact us via email, if so. Please be advised that you may lose access to certain services that we rely on third-party providers for.

Disclosure of Personal Data

SMS opt-in or phone numbers for the purpose of SMS are not shared with any third parties or affiliate companies for marketing purposes.

Although our policy is to maintain the privacy of your Personal Data as described herein, we may disclose your Personal Data if we believe that it is reasonable to do so in certain cases, in our sole and exclusive discretion. Such cases may include, but are not limited to:

  1. a) To satisfy any local, state, or Federal laws or regulations
  2. b) To respond to requests, such discovery, criminal, civil, or administrative process, subpoenas, court orders, or writs from law enforcement or other governmental or legal bodies
  3. c) To bring legal action against a user who has violated the law or violated the terms of use of our website
  4. d) As may be necessary for the operation of our website
  5. e) To generally cooperate with any lawful investigation about our users
  6. f) If we suspect any fraudulent activity on our website or if we have noticed any activity which may violate our terms or other applicable rules

Opting Out of Transmittals From Us

 From time to time, we may send you informational or marketing communications related to our Website such as announcements or other information. If you wish to opt-out of such communications, you may contact the following email info@slsettlements.com. To cancel text messages, you may reply STOP or HELP for help. To cancel email messaging, click the opt-out link which will be provided at the bottom of such communications. Please be advised that even though you may opt-out of such communications, you may still receive information from us that is specifically about your use of our website or about your account with us. By providing any Personal Data to us, or by using our website in any manner, you have created a commercial relationship with us. As such, you agree that any email sent from us or third-party affiliates, even unsolicited email, shall specifically not be considered SPAM, as that term is legally defined.

Modifying, Deleting, and Accessing Your Information

If you wish to modify or delete any information we may have about you, or you wish to simply access any information we have about you, you may do so from your account settings page or by contacting us to submit a request.

Your Rights

You have many rights in relation to your Personal Data. Specifically, your rights are as follows:

  • the right to be informed about the processing of your Personal Dat
  • the right to have access to your Personal Data
  • the right to update and/or correct your Personal Data 13/13
  • the right to portability of your Personal Data
  • the right to oppose or limit the processing of your Personal Data
  • the right to request that we stop processing and delete your Personal Data
  • the right to block any Personal Data processing in violation of any applicable law
  • the right to launch a complaint with the Federal Trade Commission (FTC) in the United States or applicable data protection authority in another jurisdiction

Such rights can all be exercised by contacting us at the relevant contact information listed in this Privacy Policy.

Security

The security of your personal information is very important to us. When you enter your information on our site through the online forms, we encrypt the information in the transmission using secure socket layer (SSL) technology. We follow the generally accepted standards to protect the personal information submitted to us, both during the transmission and when we receive it. However, there is no method of transmission over the internet or method of electronic storage that is 100% secure. Therefore, we cannot 100% guarantee its absolute security. If you have any questions about our security on our website, please contact us at info@slsettlements.com.

Changes to this Policy

We may add to, update, delete from or modify our Privacy Policy at any time in our sole discretion.  We reserve the right, at any time and in our sole discretion, to change the Privacy Policy.  We may post or display notices of changes to the Privacy Policy on this Site.  Once posted, these changes to the Privacy Policy become effective immediately. You are encouraged to periodically review this page for the latest information on our privacy practices.

By using the Services and/or by submitting inquiries through the Services, you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. If any change that we make is not acceptable to you, promptly stop using our Services.  If you continue to use our Services, doing so is your agreement to be bound by those changes.  You should check back regularly and review this Privacy Policy so that you are aware of the most current rights and obligations which apply to your agreement with us.  Nothing in this Privacy Policy shall be deemed to confer any third-party rights or benefits to you.

Contact Information

If you have any questions about this Privacy Policy or the way we collect information from you, or if you would like to launch a complaint about anything related to this Privacy Policy, you may contact us at the following:

Phone Number: 1-954-320-0238

Customer Service: info@slsettlements.com