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DataRaptor.com

TERMS AND CONDITIONS OF USE

Last Updated: February 17, 2014

 

This is a valid, binding agreement. By accessing or using the Internet site located at www.DataRaptor.com, any of its sub-domains (example: www.Pinney.DataRaptor.com), its related website, www.InsuranceDivision.com, its sub-domains; (collectively referred to as the “Site”) or any services provided in connection with the Site (the “Service”), or by merely browsing the Site, you agree to be legally bound by these terms and conditions of use (these “Terms”) and all terms, policies, and guidelines incorporated by reference in these Terms as they may be amended by DataRaptor Technologies, Inc. (“DRT”) from time to time in its sole discretion. If you do not agree with these Terms in their entirety, you may not use the Site.

The term “Site” as used herein encompasses and includes any webpage that contains an address which includes, even in part, the designation “DataRaptor” or “InsuranceDivision,” which are owned and operated by DataRaptor Technologies, Inc. , and, where applicable, includes all DataRaptor affiliate or co-branded websites which are provided with the permission of DataRaptor Technologies, Inc . The term “Site” also means and includes all content and corresponding information relating to the DataRaptor health screening, quoting, and pre-application tool; the Consumer Life Quoter (“CLQ”) website quoting tool; and the EZLink DataRaptor emailable health screening, quoting, and pre-application tool. You will be given the opportunity to accept or decline these terms and conditions of use at the bottom of this screen. By clicking on “I Accept,” you acknowledge, accept, understand and agree to these Terms and Conditions of Use.

Changes in the terms and conditions of use may occur at any time, without further notice. Your use of this Website after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Before each use, please read and consult these Terms and Conditions of Use carefully. The Site is provided by DataRaptor Technologies, Inc. ("DRT") . 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 DRT.

Privacy Policy

DRT respects your privacy and permits you to control the treatment of your personal information. DRT has adopted a Privacy Policy, which is incorporated into this Agreement by reference. Please read the Privacy Policy by clicking here, before providing any information. You acknowledge that you have read and agree to the Privacy Policy.

Registration Data & Account Security

If you register for an account on the Site, you agree to (a) provide accurate, current and complete information as may be prompted by any registration forms on the Site (“Registration Data”); (b) maintain the security of your password; (c) maintain and promptly update the Registration Data, and any other information you provide to DataRaptor, and to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration Data and any other information you provide to DataRaptor. You are responsible for all activity on your DataRaptor account, and for all charges incurred by your DataRaptor account.

Free Trial

If you register on our Site for a free trial, we will make one or more Services available to you on a trial basis free of charge until the earlier of (a) the end of the free trial period for which you registered to use the applicable Service(s), or (b) the start date of any Purchased Service subscriptions ordered by you for such Service(s). Additional trial terms and conditions may appear on the trial registration web page. Any such additional terms and conditions are incorporated into this Agreement by reference and are legally binding.

ANY DATA YOU ENTER INTO THE SERVICES, AND ANY CUSTOMIZATIONS MADE TO THE SERVICES BY OR FOR YOU, DURING YOUR FREE TRIAL WILL BE PERMANENTLY LOST UNLESS YOU PURCHASE A SUBSCRIPTION OR EXPORT SUCH DATA, BEFORE THE END OF THE TRIAL PERIOD

Please review the Help section, specifically the FAQ’s, Tutorials, and Help sub-sections during the trial period so that you become familiar with the features and functions of the Services before purchasinge a subscription level.

Fees, Charges, & Taxes


Fees and any other charges for the use of the Site are described on the Site. They may change from time to time. If we change them, we will give you at least 30 days’ notice. If they do change, your continued use of the Site after the change indicates your agreement with the new fees and charges after the effective date of the change. Any change to fees and other charges will not be applicable to the billing period in which the change occurs.

You are responsible for all taxes applicable to the fees in any applicable jurisdiction.

Billing & Renewal


DataRaptor charges and collects in advance for the use of the Site. DataRaptor will automatically renew and bill Subscribers on the Subscriber’s established payment terms (monthly credit card renewal, annual credit card renewal, or annual invoice renewal).

If you believe that the billing or invoice is incorrect, you must contact us within 60 days of the billing period start date to be eligible to receive an adjustment or credit.

Delinquent Accounts


Your account is considered delinquent (in arrears) if full payment is not received by the billing period start date. If your account is delinquent for at least two months, we may deactivate your account. Deactivated accounts are not deleted – they are placed in storage and can be restored. We will notify you by email or phone if we decide to deactivate your account. If you know in advance that your account will be inactive at for some time and don’t want us to deactivate it, let us know in advance at the support email address on the Site. If after your account has been deactivated it stays delinquent and we don’t hear from you, we may terminate it at any time and without notice.

Termination of Agreement

You and DataRaptor may terminate these Terms and your use of the Site at any time. If you terminate your use of the Site, you must pay the fees applicable for the balance of the then current billing period (if your billing period is monthly, we will prorate your account to the nearest month-end after termination). When your DataRaptor account is terminated, your User Content will shortly thereafter, not appear on the Site, except for User Content submitted to our forum or comments on our blog, which may remain on the Site after termination. We may also retain an archival copy of your User Content after termination, and you hereby grant us a non-exclusive, perpetual, irrevocable license to maintain such archival copy for our internal business purposes.

If these Terms expire or terminate for any reason, any representation or warranty you make in these Terms, shall survive indefinitely, or as permitted by law.

Consent To Be Contacted

You and each of your respective clients understand that by submitting your client's personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents that have contracted with DRT . You and your client also understand that by doing so, you consent and expect to be contacted by any and all such licensed insurance agents via telephone, text messaging, email or direct mail even if you or your client are registered on the federal do-not-call list and/or any applicable state do-not-call list. You or your client may withdraw consent by notifying DRT at [support@DataRaptor.com ].

You further acknowledge that you are duly licensed to solicit and sell life insurance products and that you have the express consent of each individual client on whose behalf you seek or obtain any assistance or use from DataRaptor to input and provide any identifying information of each such individual client, including name, address, telephone, date of birth, social security number, driver’s license number, etc. Each of your individual clients has expressly authorized you to gather identifying information of each said client and has authorized you to disclose any and all such information to the extent reasonably necessary to procure life insurance quotes, sell life insurance to and otherwise complete the sale and delivery of life insurance policies with respect to each individual client.

Representations and Warranties


You represent and warrant to DRT that any and all information submitted by you on behalf of your client to this Website is true and accurate. You further warrant that you are a licensed insurance agent and are duly licensed to submit requests for insurance quotes.

Restrictions On Use

You may use this Website for purposes expressly permitted by this Website. You may not use this Website for any other purpose, including any commercial purpose, without express prior written consent of DRT . For example, you may not (and may not authorize any other party) to link to this Website, without the express prior written permission of an authorized representative of DRT nor may you display a name, logo or trademark appearing on this Website. You agree to cooperate with DRT in causing and ensuring that any unauthorized co-branding, framing or hyper-linking cease immediately.

Proprietary Information


The content on this Website is the proprietary information of DRT and DRT retains all ownership, right, title, and interest in and to it. Accordingly, the content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of DRT , except that you may print out a copy of the content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of such content. Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of DRT and is a violation of these Terms and Conditions of Use. Neither title nor intellectual property rights are transferred to you by access to this Website. DRT retains full and complete title to the Site as well as all intellectual property rights therein. You may not sell, redistribute, or reproduce the Software, nor may you decompile, reverse-engineer, disassemble, or otherwise convert the Software to a human-perceivable form. DRT owns DataRaptor.com and InsuranceDivision.com, including the DataRaptor health screening, quoting, and pre-application tool, as well as the Consumer Life Quoter (“CLQ”) website quoting tool and the DataRaptor emailable health screening, quoting, and pre-application tool.

Compliance with Intellectual Property Laws

When accessing the Site or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content (collectively, “Content”) in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User name or ID. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.

Your Use of Other Persons’ Information

In order to facilitate the services provided by the Site, the Site allows you in certain circumstances to give other Users limited access to the personal information of other persons. For example, if you are a Subscriber, you may use the Site to give access to a staff member to the personal information of your Customers. By entering into our Terms, you agree that, with respect to the personal information of other persons that you collect, use and disclose on the Site, you have all necessary consents and rights to collect, use and disclose that information as described in this Privacy Policy from time to time, and you agree that the indemnity you give to us in the Terms applies to any non-compliance by you with the foregoing.

Your Limited License of Your User Content to DataRaptor


We do not claim any ownership interest in your User Content, but we do need the right to use your User Content to the extent necessary to operate the Site, and provide the services provided by the Site, now and in the future. For example, if you leave comments on the DataRaptor blog or posts on the DataRaptor forum, we need your license to display that User Content on the Site, and we need the right to sublicense that User Content to our other Users so that they can view that User Content. If you are a Subscriber and enter activity data in relation to a Customer and configure your account to display activity data to your Customers, we need your license to that User Content to use it in the operation of the Site, and we need the right to sublicense that User Content to your Customers for that purpose.

Therefore, by posting or distributing User Content to or through the Site, you (a) grant DataRaptor and its affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to use, display, perform, reproduce, distribute, publish, modify, adapt, translate, and create derivative works from such User Content on the Site, in the manner in and for the purposes for which the Site from time to time uses such User Content; (b) represent and warrant that (i) you own and control all of the rights to the User Content that you post or otherwise distribute, or you otherwise have the lawful right to post and distribute that User Content, to or through the Site; and (ii) the use and posting or other transmission of such User Content does not violate these Terms and will not violate any rights of or cause injury to any person or entity.

If your User Content is intended for the use of other Users, you also grant us and our affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to sublicense such User Content to such Users for their use in connection with their use of the Site, as described in Section 5 of these Terms. These licenses from you are non-exclusive because you have the right to use your User Content elsewhere. They are royalty-free because we are not required to pay you for the use of your User Content on the Site. And they are transferable because we need the right to transfer these licenses to any successor operator of the Site. Our rights to “modify, adapt, translate, and create derivative works from” are necessary because the normal operation of the Site does this to your User Content when it processes it for use in the Site.

Use of Interactive Areas and the Site


The Site may contain discussion forums, bulletin boards, review services or other forums in which you or third parties may post reviews or other content, messages, materials or other items on the Site (“Interactive Areas”). If DataRaptor provides such Interactive Areas, you are solely responsible for your use of such Interactive Areas and use them at your own risk. User Content submitted to any public area of the Site will be considered non-confidential. By using any Interactive Areas, you expressly agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:
  • - Any message, data, information, text, music, sound, photos, graphics, code or other material that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;
  • - Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
  • - Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
  • - Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;
  • - Unsolicited promotions, political campaigning, advertising or solicitations;
  • - Private information of any third party, including, without limitation, addresses, phone numbers, email addresses and credit card numbers, unless that third party has expressly consented to such use, or such information is publicly available;
  • - Viruses, corrupted data or other harmful, disruptive or destructive files;
  • - Content that is unrelated to the topic of the Interactive Area(s) in which such Content is posted;
  • or
  • - Content that, in the sole judgment of DataRaptor, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or which may expose DataRaptor or its affiliates or its users to any harm or liability of any type.

Finally, DataRaptor has a “zero-tolerance” policy towards SPAM: you may not use the Interactive Areas or the Site generally to send commercial or other messages to any third-party if those messages are not solicited, authorized or welcomed by the third-party, and in your use of the Site you must comply with all applicable laws, including laws that apply in any jurisdiction to SPAM and marketing practices, and with any applicable marketing association guidelines on ethical marketing practices.

Any use of the Interactive Areas or other portions of the Site in violation of the foregoing violates these Terms and may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the Site.

Inappropriate Content

You shall not make the following types of Content available. You agree not to upload, download, display, perform, transmit, or otherwise distribute any Content that (a) is libelous, defamatory, obscene, pornographic, abusive, or threatening; (b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation; or (c) advertises or otherwise solicits funds or is a solicitation for goods or services. DRT reserves the right to terminate your receipt, transmission, or other distribution of any such material using the Service, and, if applicable, to delete any such material from its servers. DRT intends to cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms of Use or of any applicable laws.

Copyright Infringement

DRT has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on the Site or with the Service. DRT has adopted a policy that provides for the immediate suspension and/or termination of any Site or Service user who is found to have infringed on the rights of DRT or of a third party, or otherwise violated any intellectual property laws or regulations. DRT ’s policy is to investigate any allegations of copyright infringement brought to its attention. If you have evidence, know, or have a good faith belief that your rights or the rights of a third party have been violated and you want DRT to delete, edit, or disable the material in question, you must provide DRT with all of the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works; (c) identification of the material that is claimed to be infringed or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit DRT to locate the material; (d) information reasonably sufficient to permit DRT to contact you, such as an address, telephone number, and if available, an electronic mail address at which you may be contacted; (e) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. For this notification to be effective, you must provide it to DRT at: DataRaptor Technologies, Inc. , 2266 Lava Ridge Court, Roseville, California, 95661; Telephone 800-823-4852877-935-6755.

Alleged Violations

DRT reserves the right to terminate your use of the Service and/or the Site. To ensure that DRT provides a high quality experience for you and for other users of the Site and the Service, you agree that DRT or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights, or other unauthorized uses of the Site or the Service. DRT does not intend to disclose the existence or occurrence of such an investigation unless required by law, but DRT reserves the right to terminate your account or your access to the Site immediately, with or without notice to you, and without liability to you, if DRT believes that you have violated any of the Terms of Use, furnished DRT with false or misleading information, or interfered with use of the Site or the Service by others.

Advertisements & Promotions

DataRaptor may run advertisements and promotions from third parties on the Site. Your business dealings or correspondence with, or participation in promotions of, advertisers other than DataRaptor, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. DataRaptor is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of third-party advertisers on the Site.

Third Party Sites


DRT has no control over, and no liability for, any third party websites or materials. DRT works with a number of partners and affiliates whose Internet sites may be linked with the Site. Because neither DRT nor the Site has control over the content and performance of these partner and affiliate sites, DRT makes no guarantees about the accuracy, currency, content, or quality of the information provided by such sites, and DRT assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those sites. Similarly, from time to time in connection with your use of the Site, you may have access to content items (including, but not limited to, websites) that are owned by third parties. You acknowledge and agree that DRT makes no guarantees about, and assumes no responsibility for, the accuracy, currency, content, or quality of this third party content, and that, unless expressly provided otherwise, these Terms of Use shall govern your use of any and all third party content.

Links


This Website may be linked to other sites. Such linked sites may not be maintained by or related to DRT and such links are provided as a service to users and are not sponsored by or affiliated with this Website or DRT . DRT has not reviewed any such sites and is not responsible for the content of those sites. Links are to be accessed at the user's own risk, and DRT makes no endorsement, representations or warranties about them.

Third Party Content & Services

DRT may provide links to content of third parties as a service to those interested in such information. DRT does not monitor nor does DRT have control over any third party content or third party websites. DRT does not endorse or adopt any third-party content and makes no representation or warranty as to its accuracy or completeness. You assume any and all risk associated with the use of this Website and these links and third party content contained therein.

Trademarks and Copyrights

Trademarks, service marks and logos appearing in this Website are the property of DRT. DRT retains all rights with respect to all such content appearing in this Website.

Disclaimer

Your use of this site is at your own risk. This website and the materials in this Website are provided on an "as is" basis without warranties of any kind, either express or implied. DRT disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. DRT does not represent or warrant that materials on this website are accurate, complete, reliable, current, or error-free. DRT does not represent or warrant that this website or its server(s) are free of viruses or other harmful components. DRT does not warrant that the functions or content contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. DRT does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. DRT does not warrant or guarantyee any particular financial outcome, profit, loss, or net revenue. The content may include technical inaccuracies or typographical errors and DRT may make changes or improvements at any time. You, and not DRT , assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage arising from the use of this site or its content. DRT makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content. Reference to any products, services, processes, or other information, by trade name, trademark, agents, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by DRT. DRT does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete. You assume all risk of use of the Website.

Limitation of Liability

In no event shall DRT , its subsidiaries, affiliates, licensors, service providers, owners, contractors, content providers, employees, agents, officers, and directors be liable for any incidental, direct, special, indirect, punitive, actual, consequential, special, or exemplary damages, or any other damages of any kind, including, but not limited to, loss of use, loss of profits, or loss of data, whether in an action in contract, tort (including, but not limited to, negligence), or otherwise, arising out of or in any way connected with the use of this website or the materials contained on, or accessed through, this website, regardless of the foreseeability of the damages.

Indemnity

You will indemnify and hold DRT , its subsidiaries, affiliates, licensors, content providers, service providers, owners, employees, agents, officers, directors, and contractors (the "Indemnified Parties") harmless from any breach or violation of these Terms and Conditions of Use by you, including but not limited to any use of content other than as expressly authorized in these Terms and Conditions of Use. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of this Website. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use and you agree to indemnify the Indemnified Parties for any and all resulting loss, damages, judgments, awards, costs, penalties, expenses, and attorneys' fees arising out of your use of this Website.

Prohibited Uses

DRT imposes certain restrictions on your permissible use of the Site and the Service. You are prohibited from violating or attempting to violate any security features of the Site or Service, including, without limitation, (a) accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of the Service, the Site, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site or Service, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing;” (d) using the Site or Service to send unsolicited e-mail, including, without limitation, promotions, or advertisements for products or services; (e) forging any TCP/IP packet header or any part of the header information in any e-mail or in any posting using the Service; or (f) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by DRT in providing the Site or Service. Any violation of system or network security may subject you to civil and/or criminal liability.

Security

Any passwords used for this Website are for individual use only. You will be responsible for the security of your password (if any). DRT will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that DRT considers insecure, DRT will be entitled to require the password be changed and/or termination of your account.

You are prohibited from using any services or facilities provided in connection with this Website to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, DRT reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. DRT reserves the right to investigate suspected violations of these Terms and Conditions of Use.

DRT reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing DRT to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use.

By accepting this agreement, you waive and hold harmless DRT from any claims resulting from any action taken by DRT during or as a result of its investigation and/or from any actions taken as a consequence of investigations by either DRT or law enforcement authorities.

Applicable Law

These terms and conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its choice of law principles to the contrary. You irrevocably consent to and agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the State of California, County of Placer, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Agreement.

Modifications

DRT may, in its sole discretion and without prior notice, (a) revise these Terms of Use; (b) modify the Site and/or the Service; and (c) discontinue the Site and/or Service at any time. DRT shall post any revision to these Terms of Use to the Site, and the revision shall be effective immediately on such posting. You agree to review these Terms of Use and other online policies posted on the Site periodically to be aware of any revisions. You agree that, by continuing to use or access the Site following notice of any revision, you shall abide by any such revision.

Termination

Notwithstanding any of these terms and conditions, DRT reserves the right, without notice and in its sole discretion, to terminate your license to use this Website, and at any time to block or prevent future access to and use of this Website.

Severability

If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. If you have any questions about this legal notice, or the above terms and conditions of use, please contact your legal counsel.

Legal Disclaimer

All text and information provided on or through this Website is protected by federal copyright law and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded, distributed, transmitted or redistributed in any manner for any purpose without prior written authorization by DRT .

DRT 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.

ACKNOWLEDGEMENT. BY USING THE SERVICE OR ACCESSING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, INCLUDING THE PRIVACY POLICY, AND AGREE TO BE BOUND BY THEM.

DataRaptor.com

PRIVACY POLICY

Last Updated: February 17, 2014

At DataRaptor Technologies, Inc. (“DRT”), 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.DataRaptor.com.

If you have issues or concerns relating to this privacy policy, please contact us

support@DataRaptor.com

Security

This site uses restrictive firewalls to protect stored data, which includes any personally identifiable information you have submitted on this site and uses 128 bit SSL (Secure Sockets Layer) certificates to encrypt data transferred between you and the Site. 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.

We take all reasonable and commercial efforts to protect your data, however, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting services, internet intermediaries, your internet service provider, and other service providers cannot be assured. When you use DataRaptor you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability.

If you feel more comfortable submitting your information by phone, please call us at 877-935-6755.

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 Quotes

This site provides life insurance quotes free of charge to our life insurance agents. 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.

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 Iinternet 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 DRT through this site, various forms of communication may ensue. They include (1) contact by telephone; (2) contact by text message; (3) contact by email; (4) contact by mail; (5) contact by fax. All contact is to help our agents and their 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 DRT 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:

DataRaptor Technologies, Inc.
2266 Lava Ridge Court
Roseville, CA 95661

Your Personal Information Options

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 DRT and are inviting, consenting to, and requesting contact and information from DRT, which may be provided to you online, by phone, fax, email, or mail by DRT 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.

Email

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 877-935-6755.

Carrier, Partner, Vendor, and Affiliate Privacy Policies

DRT may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in brokering the sale of insurance. DRT 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.

Website Areas Beyond DRT ’s Control

Public Forums

The Site may include interactive forums such as message boards and chat rooms. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Third Party Websites

The Site may contain links to other websites. If you choose to visit other websites, we are not responsible for the privacy practices or content of those other websites, and it is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their policies.

Spam Policy

DRT 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 DRT 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.

Legal Requests & Emergencies

We cooperate with law enforcement inquiries and demands for information that are made under force of law. Therefore, we may provide personal information to law enforcement agencies in what we believe to be emergency situations, we may provide personal information where required by statute, court order, legal process or lawful authority, and we may provide it to our legal counsel in connection with the foregoing.

Privacy Policy Updates

This Privacy Policy may be updated at any time. DRT routinely looks for new and safer ways to protect client information. Consequently, this Privacy Policy may be updated to reflect those changes. You must 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.

DataRaptor Technologies, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
877-935-6755

support@DataRaptor.com


Commercial use by others is prohibited by law. No portion of DataRaptor.com may be copied, published, faxed, mailed, or distributed in any manner for any purpose without prior written authorization of the owner.
 

 

Call Us at 713.977.0611 or Contact

 Steve Gresso or Ed Massey To Obtain DataRaptor

 

   

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