Privacy Policy

Policies of RiskQuoter.com

This Privacy Policy describes how Misfortune Cookies LLC, doing business as RiskQuoter.com (referred to as “we,” “us,” or “our”), collects, uses, shares, and protects your personal information when you use our website, https://www.RiskQuoter.com.

By accessing or using our website, you agree to the collection and use of your information in accordance with this Privacy Policy.

1. Who We Are: We are Misfortune Cookies LLC, a company incorporated under the laws of the United States, with our principal business address at  8374 Market Street, #521 – Lakewood Ranch, Florida 34202.
2. What Information We Collect: We collect the personal information you voluntarily provide when using our services. This can include your name, email address, phone number, and other identifying information. Additionally, we collect non-personal data, like your IP address, browser type, the pages you visit on our website, and the time and date of your visit.
3. Purpose of Collection: We collect this information to provide and improve our services, to communicate with you, to understand how users interact with our website, and for other legitimate business purposes.
4. Data Sharing and Third Parties: We do not sell your personal information. However, we may share your information with trusted third parties to help us provide, improve, protect, and promote our services. These third parties will only access your information to perform tasks on our behalf, and they are obligated not to disclose or use it for other purposes.
5. Data Protection Measures: We use reasonable physical, technical, and administrative security measures to protect our collected information.
6. User Rights: You may have certain rights under applicable law, including the right to access, correct, update, or request deletion of your personal information. To exercise these rights, please contact us at the information below.
7. Cookies and Tracking: We use cookies and similar tracking technologies to track the activity on our service and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.
8. Children’s Privacy: Our services are not intended for children under 13, and we do not knowingly collect personal information from children under 13.
9. Policy Changes: We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and editing the “last updated” date at the top of this Privacy Policy.

Contact Information: If you have any questions or concerns about this Privacy Policy, please contact us at https://www.riskquoter.com/about/contact/

We’re committed to protecting your privacy in everything we do. 

This privacy policy governs the information you provide to us, and it tells you how we may collect, use and share it.

RiskQuoter.com provides valuable life insurance underwriting information to consumers to help consumers with their insurance shopping needs.

First and foremost, RiskQuoter.com is intended for users located in the United States of America and is not available in other countries.

Information We Collect From Consumers and What We Do with that Information:

When a consumer requests a life insurance quote from RiskQuoter.com, we match that consumer with life insurance quotes based on the consumer’s request.

Consumers may, from time to time, provide us with personally identifiable information such as:

• First and Last Name
• Home, Business, or Work Address
• Phone Numbers
• Email Addresses
• Date of Birth
• Medical History
• Current Medical Information

There may be additional information provided to us by consumers from time to time.

In addition, we use data validation & verification services from time to time to ensure the quality of the information submitted and to correct information as needed. 

As part of our data validation process, we will use readily available public information to contact you if the information you provide is incorrect.  

For example, sometimes, a consumer accidentally types the wrong phone number in the request.  

In this case, we would use a service to determine the correct phone number to contact you.

By submitting your information to RiskQuoter.com, you agree to have us contact you to discuss your life insurance quote request. 

You may request that we close your file at any time. Submitting your information permits us to contact you. 

This applies even if you are on state or federal “Do Not Call Lists”.  

Rest assured that you can change your mind anytime by contacting us and telling us to close your file and discontinue contact. We will acknowledge requests of this nature and discontinue contact.

Quotes, Quote Requests, and our Quote Engine:

Our term life insurance quote engine will provide term life insurance company prices based on your information. 

The quote engine cannot determine if the rate you quote for yourself is a rate that you will actually qualify for. 

Only complete underwriting and approval by the insurance company can determine the final rate that you pay.

RiskQuoter.com relies on third-party companies to provide the insurance quote engine on this website. 

While these companies take careful steps to ensure the accuracy of the term life insurance quotes, RiskQuoter.com will not be held responsible for errors made by these companies.

Web Usage Policies

We track website traffic and usage data to improve our website and the service we offer. 

We track click-through information and IP addresses through our analytics service.

We may use “cookies” to track user traffic patterns.  We do not store personal information in these cookies; you may turn off cookies in your browser anytime.

Vendors and Suppliers – We may provide personally identifiable information to or permit our vendors and service partners to work with us. 

An example of this is the database and web submission services we employ.

California Consumer Privacy Act (CCPA)

California enacted the CCPA on 1/1/2020 to better secure privacy rights for California consumers.

CCPA applies to businesses with $25 million or greater in revenue, 50,000 clients, or 50% or more of the business involves selling consumer info.

While we are not subject to the CCPA, we want you to know that we do not sell your information and take your privacy seriously, as indicated throughout this page.

If you would like us to delete the information you provided, contact us at any time, and we will do so immediately.

If you are a resident of California, you have specific rights under the California Consumer Privacy Act (CCPA).

Right to Know and Access: You have the right to know and access the personal information we collect, use, disclose, and sell about you over the past 12 months.

Right to Delete: You have the right to request that we delete certain personal information we have collected from you, subject to certain exceptions under the CCPA.

Right to Opt-Out of Sale: We do not sell your personal information. However, under the CCPA, you still have the right to opt out of any future sale of your personal information.

Right to Non-Discrimination: You have the right not to receive discriminatory treatment by us for exercising your CCPA rights.

Exercising Your Rights: To exercise your rights under the CCPA, please contact us at  https://www.riskquoter.com/about/contact/. We may need to verify your identity before fulfilling your request to protect your privacy and security. Once we receive your request and verify your identity, we will respond following the CCPA.

Authorized Agent: You may also designate an authorized agent to make requests on your behalf. However, we will require written proof of the agent’s permission to do so and will still require you to verify your identity directly with us.

California Privacy Rights Act (CPRA)

If you are a resident of California, you also have specific rights under the California Privacy Rights Act (CPRA).

Right to Correct Inaccurate Personal Information: You have the right to request that we correct any of your personal information that you believe is inaccurate, incomplete, outdated, or misleading.

Right to Restrict Certain Uses of Sensitive Personal Information: You have the right to limit our use and disclosure of your sensitive personal information for specific purposes. Sensitive personal information includes precise geolocation, racial or ethnic origin, religious beliefs, genetic data, private communications, and certain biometric or health information types.

Right to Data Portability: You can request a copy of your personal information in a format that is easy to move from one service provider to another. This right helps increase your control over your personal information.

Exercising Your Rights: To exercise your rights under the CPRA, please contact us at https://www.riskquoter.com/about/contact/. We may need to verify your identity before fulfilling your request to protect your privacy and security. Once we receive your request and verify your identity, we will respond per the CPRA.

Authorized Agent: You may also designate an authorized agent to make requests on your behalf. However, we will require written proof of the agent’s permission to do so and will still require you to verify your identity directly with us.

California Online Privacy Protection Act (CalOPPA)

CalOPPA is the first state law in the United States to require commercial websites and online services to post a privacy policy. Under CalOPPA, we agree to the following:

Users Can Visit Our Site Anonymously: We strive to allow users to visit our site anonymously. We will not create a profile of your activities on our website or track your activities on our website through cookies or other tracking technology unless we notify you in this Privacy Policy or obtain your consent.

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 easily be found on the page specified above.

How We 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.

Geographic Restrictions

RiskQuoter.com is based in and operated in the United States and is intended solely for users located within the United States. You shall only use this website if you are physically located in the United States.

The General Data Protection Regulation – GDPR

The GDPR applies to companies doing business in the European Union. Our service is only available to individuals located in the United States.

Our services are not intended for and are not available to individuals residing in the European Union (EU) / European Economic Area (EEA) or any other jurisdictions outside of the United States or where their use would be illegal. We do not offer goods or services to individuals in these jurisdictions, do not process their data, or monitor their behavior.

If you are a resident of the EU / EEA or other restricted jurisdictions, please do not use our services or provide us with any personal data.

Google Analytics

We use Google Analytics, a web analytics service that Google, Inc. (“Google”) provides. Google Analytics uses “cookies,” text files placed on your computer, to help the website analyze how users use the site.

The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information to evaluate your website use, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage.

Google may also transfer this information to third parties where required by law or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

By using this website, you consent to processing data about you by Google in the manner and for the purposes set out above. You can also opt out of Google Analytics by visiting Google’s website

Google Ads

We use Google Ads, an online advertising service provided by Google Inc. (“Google”). Google Ads uses cookies and similar technologies to show you ads that are relevant to you, improve reporting on campaign performance, and avoid showing ads you may have already seen.

The cookies used by Google Ads may be stored on your device to collect data about your online activities and interactions with our website. This data is then used to provide you with targeted advertisements tailored to your personal interests, evaluate the advertisements’ efficiency, and provide reports for us and other Google Ads customers.

You can opt out of personalized ads from Google by visiting Google’s Ads Settings (https://adssettings.google.com) and adjusting your preferences. You can also opt out of third-party vendors’ cookies by visiting the Network Advertising Initiative opt-out page at http://optout.networkadvertising.org.

Please note that even if you opt out of targeted advertising, you may still receive advertising about our services – it will just not be tailored to your interests.

For more information about Google’s advertising and data processing practices, please see Google’s Privacy Policy.

Email Marketing

We may send you emails about our website, new products, and other updates with your permission. We use email marketing to communicate with you and to send the information that you have requested. The email marketing we provide includes transactional, promotional, and educational content.

Opting Out: You can opt out of receiving promotional emails from us anytime. If you do not wish to continue to receive marketing from us, you can click on the ‘unsubscribe’ link at the bottom of any marketing communication you receive. This will guide you through the process of unsubscribing from our marketing communications.

Please note that even if you opt out of receiving marketing communications, we may still send you non-promotional communications, including emails about your accounts or transactions.

WPForms

Our website uses WPForms, a contact form plugin for WordPress. WPForms allows us to create custom forms for our website, and it collects the personal information you provide when filling out these forms, such as your name, email address, and any additional information you choose to provide in the form fields.

Please note that any information you submit through our WPForms will be stored on our website’s database. This information is only used to respond to your queries or for your requested services. Unless you have explicitly consented to it, it will not be used for unsolicited communication.

WPForms cannot access your data, as the data is stored locally on our site and not on WPForms’ servers. We retain your data for as long as necessary to fulfill the purpose(s) for which it was collected or to comply with legal obligations.

WPForms uses cookies to function correctly. These cookies are essential for the functionality of the forms, and disabling these cookies may affect your ability to submit forms.

WPEngine

Our website is hosted on WPEngine. They provide us with an online platform to provide our services to you. Your data may be stored through WPEngine’s data storage, databases, and the general WPEngine application. They store your data on secure servers behind a firewall.

WPEngine employs security measures to protect your information from access by unauthorized persons and against unlawful processing, accidental loss, destruction, and damage. They will retain your information for a reasonable period or as long as the law requires.

While providing our services, your data may be transferred within WPEngine and its affiliates, including its subcontractors who perform services on behalf of WPEngine. Such parties must process such data based on our instructions and under this Privacy Policy.

It’s important to note that our website may contain links to and from other websites. If you follow a link to any of these websites, please note that they have their privacy policies and that we do not accept any responsibility or liability for these policies.

Bing Ads

We use Bing Ads, an online advertising service provided by Microsoft Corporation. Bing Ads uses technologies such as cookies and similar technologies to show you ads that are relevant to you, improve reporting on campaign performance, and prevent ads you have already seen from reappearing.

The technologies used by Bing Ads may collect data about your online activities, such as the pages you visit, the links you click, and the searches you conduct on our website. This data is used to provide you with advertising tailored to your interests and to measure the effectiveness of the advertisements.

You can opt out of personalized ads from Bing Ads by visiting Microsoft’s opt-out page and adjusting your preferences.

Please note that even if you opt out of targeted advertising, you may still receive advertising about our services – it will just not be tailored to your interests.

For more information about Microsoft’s advertising and data processing practices, please see Microsoft’s Privacy Policy.

Remarketing Services and Third-Party Advertising

We may partner with third-party advertisers for advertising and remarketing services. These services are used to advertise on third party websites to previous visitors of our site. This could be an advertisement on a search results page, a site in the Google Display Network, or somewhere on Facebook, for example.

Third-party vendors, including Google, Bing, and Facebook, use cookies to serve ads based on someone’s past visits to our website. Our privacy policy and the privacy policies of these third-party vendors will use any data collected.

Google Remarketing

Google uses cookies to display our ads on sites across the Internet. You can opt out of Google’s use of cookies by visiting Google’s Ads Settings.

Bing Ads Remarketing

Bing uses cookies to collect data about your activities and provide you with tailored advertising. You can opt out of Bing’s personalized ads by visiting Microsoft’s opt-out page.

Facebook Remarketing

Facebook Inc provides Facebook remarketing service. You can opt out of Facebook’s interest-based ads by following Facebook’s instructions.

These third-party vendors have their privacy policies addressing how they use such information. We encourage you to read these privacy policies and adjust your settings on these platforms if you wish to opt out of their advertising.

Opting out of a network does not mean you will no longer receive online advertising. It does mean that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.

FreshSales

We use FreshSales, a customer relationship management (CRM) tool provided by Freshworks Inc. FreshSales allows us to manage our interactions with current and potential customers and stores the personal information you provide when interacting with us.

Information collected by FreshSales may include your name, contact information, interactions with our company, and other relevant information. We use this information to enhance our customer service, monitor customer engagement, manage customer relationships, and track the sales process.

Please be aware that your data submitted through FreshSales will be stored on their servers and can be accessed by us. Your data is stored securely, and FreshSales employs security measures to protect your information from unauthorized access, accidental loss, and/or destruction.

You can learn more about Freshworks’ data processing practices by visiting their Privacy Policy.

State Notices:

Nevada: Nevada enacted Senate Bill No. 220 in 2019, which gives consumers the right to opt out of the sale of their personal information.

Virginia: The Virginia Consumer Data Protection Act (CDPA) was signed into law in March 2021, granting rights to residents to access, correct, delete, and obtain a copy of their data, as well as to opt out of targeted advertising, the sale of personal data, and profiling.

Colorado: The Colorado Privacy Act (CPA) was signed into law in July 2021, providing Colorado residents with the right to access, correct, delete, and obtain a copy of their data, as well as to opt out of targeted advertising, the sale of personal data, and profiling.

LEGAL NOTICE AND DISCLAIMERS:

The information and documents provided by this site are provided “as is”, and without warranties of any kind, either implied or expressed.

RiskQuoter.com and affiliated websites disclaim all warranties of merchantability and fitness for a particular purpose.

In no event shall RiskQuoter.com and affiliated websites be liable for any direct, indirect, special, incidental, or consequential damages arising from using this website.

RiskQuoter.com and affiliated websites do not provide medical, legal, or tax advice.

You should consult with your own legal or tax advisor about those questions. 

Any medical information found on this site is for informational purposes and is not intended to replace the advice of your healthcare professionals.

This website is hosted in the United States and is intended for use by U.S. Residents.

Insurance Rate Information:

RiskQuoter.com and affiliated websites use third-party services to provide the life insurance quotes on this site and the quotes they send to you verbally or by mail, fax, email, text, or other transmission methods.

RiskQuoter.com and affiliated websites have done everything to the best of their knowledge to provide accurate quotes. However, RiskQuoter.com and affiliated websites cannot guarantee the accuracy of these quotes.

RiskQuoter.com will not be responsible for errors made by these third-party quotation services. 

Any quotes illustrated on this site or provided by RiskQuoter.com or affiliated websites are for illustrative purposes only.

Actual premiums will only be determined by the insurance company you apply to after you have completed all underwriting requirements, received the policy, accepted the policy, and paid the required premium.

Your coverage is not effective until the insurance company has received your premium and requirements and has acknowledged that your policy is effective.

If there is a discrepancy between the quotes illustrated versus the policy issued, the rates of the actual insurance policy will prevail.

 Our postal address is:

Misfortune Cookies LLC
DBA – RiskQuoter.com
8374 Market Street, #521
Lakewood Ranch, Florida 34202

We can be reached by telephone at (800) 909-2040

Transaction Security Methods

At RiskQuoter.com, your security is very important.

We support the Internet standard of Secure Socket Layers or SSL to ensure that the transmission of your sensitive information can not be intercepted or decoded.

While no information or data submitted over the internet can be guaranteed 100% secure, we use SSL for the areas of the website where you submit personally identifiable information.