Ethos Technologies Inc. (“Ethos”) was designed to make it easy for people to buy life insurance online.
Whether you are a current customer, former customer or potential customer, we want you to know about how we collect your personal information, the measures we have implemented in an effort to safeguard it and the situations in which we may share it.
Personal Information submitted by you
We collect personal information from you to help you use our products and services, and this may be done while requesting a quote, submitting your application, through your use of our Site, discussing your application or insurance product with us, or by providing feedback to us. By “personal information,” we mean information that specifically identifies you. Generally, you do not have to register or provide your name or other information that personally identifies you in order to view the Site Content. If you choose to obtain a quote using our quote tool, you may initially be asked to provide your birthdate, gender, zip code, household information, financial information, information about whether or not you smoke, and similar biographical and lifestyle information. From time to time, we may contact you with information regarding our products or services.
If you choose to apply for a life insurance policy through Ethos, you will then be asked to register with ethoslife.com and provide additional information as part of your insurance application process. You will have the option to apply for a policy, where you will be asked to provide further information about your health, lifestyle, and financials. The information we collect and the extent to which we use it for the application process will vary depending on the product or service involved.
Information collected through automatic tracking technologies
If you choose to provide personally identifiable information to us through the Site, we use that information for several purposes for example, to quote, apply for, and help issue you a life insurance policy. Applications for insurance become the property of Ethos and may be used for any purposes ordinarily associated with such applications and retained in accordance with our processes for retaining such documentation and applicable law. If you apply for an insurance product, we may use your personal information to deliver your products and services, underwrite your application, provide you with customer service, and communicate with you during the life insurance application process, and as we deem appropriate for our internal business purposes and to fulfill our legal and regulatory requirements. The information collected generally for applications varies depending on the products or services you request and may include:
- Information provided in personal interviews or on applications and related forms, for example, name, address, birthdate, driver’s license information, Social Security number and annual income.
- In the case of certain group products where we partner with employers or benefits providers to offer our products to certain employee groups, we may collect information from your employer, benefit plan sponsor, or association, for example, employer name, plan participant names, length of employment, annual income, addresses, dates of birth, email addresses and other relevant information needed to verify the identity and employment of plan participants.
- Third-party reports, such as consumer credit history, motor-vehicle records, demographic, and/or medical information, if relevant to your product or service.
Please note that information collected from consumer reporting agencies, such as credit history, may assist us in preventing fraud and identity theft. Information related to your creditworthiness is maintained by the credit bureaus. If you find that there is an error or you want to dispute the information found in your credit report, please contact the credit reporting bureaus.
- Experian: http://www.experian.com/
- Transunion: https://www.transunion.com/
- Equifax: https://www.equifax.com/
We may anonymize, de-identify and/or aggregate information provided by you or any third party reports, to use for internal purposes such as for modeling, internal systems improvements, and other internal processes. We may share anonymized, de-identified and/or aggregated information with third parties for our lawful business purposes, including to analyze and improve our websites and promote our business.
The insurance companies (including our insurance carriers and third-party underwriting providers) may use your information for underwriting purposes to determine your risk classification for the insurance product you are applying for, as well as to issue and administer any policy you may obtain.
This information may be used for, but is not limited to, the following purposes: requesting medical records, financial records, credit records, driving records, or other third-party sourced information during the underwriting process. Rates displayed on ethoslife.com are based on basic underwriting guidelines only, and the insurance companies use your personal information to determine the final price for your policy and your risk classification.
While no website, database or system is completely secure or “hacker proof”, we have security practices and procedures in place designed to prevent unauthorized use of and access to your personal information.
Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com.
The Site is not designed for or directed at children 13 years of age or younger, and Ethos will not intentionally collect information through this Site from anyone under this age. If you think we have received or collected personal information from a child under the age of 13 through this Site, please contact us.
The California Consumer Privacy Act of 2018 (“CCPA”) requires qualifying companies to provide to California residents an explanation of how such companies collect, use, and share their personal information, and of the rights and choices offered to California residents regarding handling of their personal information.
Under the CCPA, this Notice to California Residents and the privacy practices and rights it describes do not apply to the information we collect, use, or disclose about visitors to the Site when they initiate the process of applying for our financial products and services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”), and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or to information related to our business contacts. The GLBA and/or FIPA governs the information of visitors to the Site who initiated the process of applying for our financial products or services.
Please note that we may also disclose all personal information to (a) comply with federal, state, or local laws; (b) comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, or local authorities; (c) cooperate with law enforcement agencies concerning conduct or activity that we believe may violate federal, state, or local law, (d) when we sell, transfer or otherwise share some or all of our business or assets, including your personal information, in connection with a business transaction (or potential business transaction), or (e) to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services that they render to us.
California Residents’ Privacy Rights. Except as excluded above, the CCPA grants you the following rights:
- Access. You can request a copy of the personal information that we maintain about you.
- Deletion. You can ask us to delete the personal information that we collected or maintain about you. If you apply for an insurance product or obtain a product through us, we cannot support requests to delete your personal information due to business purpose.
- Opt-out of sales. You can opt-out of any sale of your personal information.
- Opt-in. If we know that you are 13-15 years of age, we will ask for your affirmative authorization to sell your personal information before we do so.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. If we deny your request in accordance with any such applicable restrictions, we will communicate our decision to you.
You are entitled to exercise the rights described above free from discrimination. Specifically, we cannot and will not discriminate against you in any way for exercising your rights under the California Consumer Privacy Act, including by denying you services, charging you different prices or rates, providing you with a lesser quality of services, or suggesting any of the foregoing. To request access to or deletion of personal information, California residents may email firstname.lastname@example.org or send mail to Ethos Technologies Inc., Attn: Privacy Team, 5001 Plaza on the Lake, Suite 305, Austin, TX 78746. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
You may send to us at email@example.com requests for information regarding to whom we have disclosed your personal information during the preceding calendar year for their own direct marketing purposes and the categories of personal information disclosed. In your request, you must include the statement “Shine the Light Request," and provide your first and last name and mailing address and certify that you are a California resident. We reserve the right to require additional information to confirm your identity and California residency. Please note that we will not accept requests via telephone, mail, or facsimile, and we are not responsible for notices that are not labeled or sent properly, or that do not have complete information.
If you no longer want to receive our newsletter, emails, or other announcements, you may unsubscribe by following the “unsubscribe” link at the bottom of our emails.
You may not, however, opt out of service-related emails and communications (for example, you may not opt out of emails related to account verification, changes/updates to features of our Site or products or services, technical, security, and other notices containing transactional information).
Like many companies online, we use services provided by Google, Facebook, and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:
- Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
- Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
- Using privacy plug-ins or browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third party cookies/trackers.
Platform opt-outs. The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
Advertising industry opt-out tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
Please note that this list above is not exhaustive and does not constitute any endorsement or recommendation by Ethos. You will need to apply each of the opt-out choices on each browser and device from which you visit an Ethos site.
Where an individual has been a victim of domestic violence or abuse, Ethos understands that their confidential information may require additional sensitivity, including the home address, phone number, or place of employment. Any Ethos applicant, policyowner, insured or beneficiary, who has been a victim of domestic violence or other abuse, and would like Ethos to take steps to further safeguard your information from others or need to remove a previously submitted request, please contact us at firstname.lastname@example.org to assist you. Ethos provides the victim a right of access and correction with respect to all confidential abuse information received about such individual. Please note that confidential abuse status is never a basis for denying, refusing to issue, renewing, reissuing, canceling, or otherwise terminating a policy, restricting or excluding coverage or benefits of a policy, or charging a higher premium for a policy. For residents of New Mexico, please note that the full notice prescribed in 22.214.171.124 NMAC is available to you by contacting email@example.com.
April 6, 2022