This privacy policy has been compiled to better serve those who are concerned with
how their 'Personally identifiable information' (PII) is being used online. PII, as used
in US privacy law and information security, is information that can be used on its own
or with other information to identify, contact, or locate a single person, or to identify
an individual in context. Please read our privacy policy carefully to get a clear
understanding of how we collect, use, protect or otherwise handle your Personally
Identifiable Information in accordance with our website.
What personal information do we collect from the people that visit our blog,
website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter
your name, email address, mailing address, phone number or other details to help you
with your experience.
When do we collect information?
We collect information from you when you fill out a form or enter information on
our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase,
sign up for our newsletter, respond to a survey or marketing communication, surf the
website, or use certain other site features in the following ways:
• To personalize user's experience and to allow us to deliver the type of content
and product offerings in which you are most interested.
and product offerings in which you are most interested.
• To quickly process your transactions.
How do we protect visitor information?
We do not use vulnerability scanning and/or scanning to PCI standards.
We do not use Malware Scanning.
We do not use an SSL certificate
• We do not need an SSL because:
I just use that information to contact prospect over the phone.
Do we use 'cookies'?
We do not use cookies for tracking purposes
You can choose to have your computer warn you each time a cookie is being sent,
or you can choose to turn off all cookies. You do this through your browser (like
Internet Explorer) settings. Each browser is a little different, so look at your
browser's Help menu to learn the correct way to modify your cookies.
If you disable cookies off, some features will be disabled that make your site
experience more efficient and some of our services will not function properly.
However, you can still place orders .
Third Party Disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally
identifiable information unless we provide you with advance notice. This does
not include website hosting partners and other parties who assist us in operating
our website, conducting our business, or servicing you, so long as those parties
agree to keep this information confidential. We may also release your information
when we believe release is appropriate to comply with the law, enforce our site
policies, or protect ours or others' rights, property, or safety.
However, non-personally identifiable visitor information may be provided to
other parties for marketing, advertising, or other uses.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services
on our website. These third party sites have separate and independent privacy policies.
We therefore have no responsibility or liability for the content and activities of these
linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any
feedback about these sites.
Google
Google's advertising requirements can be summed up by Google's Advertising
Principles. They are put in place to provide a positive experience for users.
We use Google AdSense Advertising on our website.
Google, as a third party vendor, uses cookies to serve ads on our site. Google's
use of the DART cookie enables it to serve ads to our users based on their visit to
our site and other sites on the Internet. Users may opt out of the use of the DART
cookie by visiting the Google ad and content network privacy policy.
We have implemented the following:
• Re-marketing with Google AdSense
We along with third-party vendors, such as Google use first-party cookies (such as
the Google Analytics cookies) and third-party cookies (such as the DoubleClick
cookie) or other third-party identifiers together to compile data regarding user
interactions with ad impressions, and other ad service functions as they relate to
our website.
Opting out:
Users can set preferences for how Google advertises to you using the Google Ad
Settings page. Alternatively, you can opt out by visiting the Network Advertising
initiative opt out page or permanently using the Google Analytics Opt Out Browser
add on.
California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online
services to post a privacy policy. The law's reach stretches well beyond California to
require a person or company in the United States (and conceivably the world) that
operates websites collecting personally identifiable information from California
consumers to post a conspicuous privacy policy on its website stating exactly the
information being collected and those individuals with whom it is being shared, and
to comply with this policy. - See more at:
According to CalOPPA we agree to the following:
Users can visit our site anonymously
Once this privacy policy is created, we will add a link to it on our home page, or as a
minimum on the first significant page after entering our website.
Our Privacy Policy link includes the word 'Privacy', and can be easily be found on the
page specified above.
Users will be notified of any privacy policy changes:
• On our Privacy Policy Page
Users are able to change their personal information:
• By emailing us
• By calling us
How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when
a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third party behavioral tracking?
It's also important to note that we do not allow third party behavioral tracking
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the
Children's Online Privacy Protection Act (COPPA) puts parents in control. The
Federal Trade Commission, the nation's consumer protection agency, enforces the
COPPA Rule, which spells out what operators of websites and online services
must do to protect children's privacy and safety online.
We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the
United States and the concepts they include have played a significant role in the
development of data protection laws around the globe. Understanding the Fair
Information Practice Principles and how they should be implemented is critical to
comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the
following responsive action, should a data breach occur:
We will notify the users via email
• Within 7 business days
We will notify the users via in site notification
• Within 7 business days
We also agree to the individual redress principle, which requires that individuals have
a right to pursue legally enforceable rights against data collectors and processors who
fail to adhere to the law. This principle requires not only that individuals have
enforceable rights against data users, but also that individuals have recourse to courts
or a government agency to investigate and/or prosecute non-compliance by data
processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes
requirements for commercial messages, gives recipients the right to have emails
stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
To be in accordance with CAN-SPAM we agree to the following:
If at any time you would like to unsubscribe from receiving future emails,
you can and we will promptly remove you from ALL correspondence.
Contacting Us
If there are any questions regarding this privacy policy you may contact us
using the information below.
http://njlifeinsuranceseniors.blogspot.com/
E H T, New Jersey - 08234. USA
fredprz321[@]gmail . com
Last Edited on 2015-02-03
