Your Privacy Rights - Last Updated: February 18, 2021
The Worthington Final Expense Network, LLC (“we,” “us,” or “ours”), which does business as The West Virginia Final Expense Network, provides a service connecting consumers like you with insurance agents. The use of our websites provide you the opportunity to connect with an insurance agent near you, so you can decide if you want to purchase insurance.
“You” and “Your” means the user of websites we own that you may visit..
We are not licensed as an insurance agent, agency, or broker. Accordingly, we do not offer advice or recommend a particular insurance plan or company. The information we provide is general consumer knowledge, and is not intended to provide advice on individual situations or legal issues.
When you use our website and online forms, you share your information with us and ask us to share your information with insurance agents for the purposes of buying insurance.
We encourage you to read this Privacy Policy carefully when using our website or services or transacting business with us. By using our website, you are accepting the practices described in this Privacy Policy.
If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.
Information We Collect About You:
In general, we may collect personal information that can identify you such as your name and email address and other information that does not identify you. When you provide personal information through our website, the information may be sent to servers located in the United States and other countries around the world.
We may collect and store any personal information you enter on our website or provide to us in some other manner, such as responding to a Facebook Leads Ad. This includes identifying information, such as your name, address, e-mail address, telephone number, and other personally identifiable information. You should not provide and we will not accept any sensitive personal information, such as about your health history.
By providing contact information to us, you are giving permission to receive communications from us directly, or through an insurance agent to whom we've shared your contact information. You expressly agree you may be contacted by telephone, text or email. If you no longer wish to receive these communications, please let us know by sending an email by clicking Contact Us found at the bottom of most pages of this Website.
Our websites allow to you submit the name and age of your spouse or legal companion. When you submit such information, you represent and warrant that you have permission and legal authority to do so..
We use various technologies to collect information from your computer and about your activities on our site. We automatically collect information from your browser when you visit our website. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see "Cookies" below), and the referring website address.
Cookies:
When you visit our website, we may assign your computer one or more cookies, to facilitate access to our site and to personalize your online experience. Through the use of a cookie, we also may automatically collect information about your online activity on our site, such as the web pages you visit, the links you click, and the searches you conduct on our site. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our website.
Our service providers (including any other third parties working on our behalf), and any other businesses (third parties) who collect information on our services, may automatically receive certain information associated with you and/or your device(s) as part of your use of our websites through browser or device-based tracking technologies such as cookies, pixels, tags, beacons, scripts, or other technology.
Other Technologies:
We may use standard Internet technology, such as web beacons and other similar technologies, to track your use of our site. We also may include web beacons in promotional or other e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our website visitors.
Web beacons (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. Unlike cookies which are stored on the user's computer hard drive, web beacons are embedded invisibly on the web pages (or in email) and are about the size of the period at the end of this sentence.
Web beacons may be used to deliver or communicate with cookies, to count users who have visited certain pages and to understand usage patterns. We also may receive an anonymous identification number if you come to our site from an online advertisement displayed on a third-party website.
Do Not Track Policy:
Some web browsers may transmit “do not track.” Web browsers may incorporate or activate these features differently, making it unclear if users have consciously activated them. As a result, we do not take steps to respond to such signals.
How We Use the Information We Collect:
In general, we, or an insurance agent to whom we've shared your information, may use information that we collect about you to communicate with you by e-mail, postal mail, telephone and/or mobile devices, in order to facilitate the purchase of insurance.
To develop, operate, improve, and maintain our websites, to monitor and analyze trends and usage of our services, and enhance our services by using information we automatically collect by cookies and other technologies.
When visitors enter and navigate 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.
With Whom We Share Your Information:
We provide your information to insurance agents: When you provide your personally identifiable information through our website, you consent to our providing your information to such insurance agents. You agree and understand that our sharing this information with insurance agents allows them to contact you using the e-mail address, phone number or other contact information you provided.
To provide, administrate, maintain, and protect our services, we may share the information we have about you with service providers, web hosts, and other third parties as necessary.
We Also May Disclose Your Information:
In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website terms and conditions or other agreements or policies.
In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, or asset sale, or in the unlikely event of bankruptcy.
How Long We Keep Your Information:
How long we keep your information depends on the type of information, the purpose for which it is used, how sensitive it is, and other similar factors. For example, we keep your information:
- That you submit through our websites and online forms (like your name, phone number, address, email address, etc.) until you ask us to delete it.
- For the length of time reasonably needed to fulfill the purposes outlined in this Privacy Policy (including for as long as needed to provide you with our services), unless a longer retention period is required or permitted by law.
- For as long as necessary to resolve disputes and/or enforce our rights and agreements.
- If it is aggregated, anonymized, de-identified (i.e., not capable of identifying you), then indefinitely.
- In our backup or disaster recovery systems for a limited period of time or as required by applicable law.
If you ever decide to stop using our websites, you can ask us to delete your information.
Keep in mind, while our systems are designed to carry out our deletion automatically, we cannot promise or guarantee that deletion will occur within a specific time frame. Also, there may be legal requirements to keep and not delete your information when you make a deletion request to us. This means we may suspend deletion of or not delete your information if we receive valid legal process asking us to preserve your information, if we receive reports of abuse or other Terms of Use violations, or if your use of our websites or your information is flagged by our automated systems for abuse or other Terms of Use violations.
How We Keep Your Information Secure:
The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we have implemented technical and organizational security measures that are designed to help protect your information from unauthorized access, disclosure, use, and modification. We also anonymize or expunge data when it is no longer necessary to keep it. From time-to-time, we review our security procedures to consider appropriate new technologies and methods.
Even so, despite our efforts, no security measures are perfect, impenetrable, or 100% secure. We cannot ensure, and do not warrant or guarantee, that the information you transmit to us will remain secure, nor do we guarantee that this information will not be accessed, disclosed, altered, destroyed or used in an unauthorized manner. These are the risks of being online and conducting business online.
Do Not Call Policy:
By providing your personally identifiable information, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with The Worthington Final Expense Network LLC, and are inviting, consenting to, and requesting contact and information from us and insurance agents to whom we’ve shared your information, which may be provided to you online, by phone, text, fax, email, or mail, by us or by insurance agents to whom your information has been shared.. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that you were contacted 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.
How you can access your information:
You can update your personal information by contacting us. More information about how to contact us is provided below.
How To Terminate Your Relationship With Us:
You can choose to terminate your relationship with us at any time by contacting us. After you terminate your relationship, we may still retain certain information associated with your account for analytical purposes and record keeping integrity, as well as to prevent fraud, enforce our terms and conditions, take actions we deem necessary to protect the integrity of our website or our users, or take other actions otherwise permitted by law. In addition, if certain information has already been provided to third parties as described in this Privacy Policy, retention of that information will be subject to those third parties' policies.
Children’s Privacy:
Our website is a general audience site, and we do not knowingly collect personal information from children under the age of 13.
Visiting our website from outside the United States:
This Privacy Policy is intended to cover collection of information on our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.
No Rights of Third Parties:
This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the website.
Changes to this Privacy Policy:
We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the date at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share your personal information, we will notify you by posting the updated policy on our website. We recommend that you check our website from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies. To see a prior version of the Privacy Policy, you may contact us.
How to Contact Us:
If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by email or postal mail as follows:
By mail: The Worthington Final Expense Network, LLC
P.O. Box 594
Pineville, WV 24874
By Phone: (304)732-6641
By Email: Click Contact Us found at the bottom of the Website’s pages.