Privacy Policy

Last Updated: September 28, 2024

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.
Business, for the purpose of the California Consumer Privacy Act (the “CCPA”), refers to Americanbenefitsforhomes.com as the legal entity that collects Consumers’ personal information and determines the purposes and means of the processing of Consumers’ personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of Consumers’ personal information.
Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Americanbenefitsforhomes.com.
Consumer, for the purpose of the CCPA, means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
Cookies are small files that are placed on Your computer, mobile device, or any other device by a website, containing details of Your browsing history on that website among other uses.
Country refers to the United States.
Device means any device that can access the Service such as a computer, a cellphone, or a digital tablet.
Do Not Track (DNT) is a concept promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
Personal Data is any information that relates to an identified or identifiable individual. For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes, or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
Sale, for the purpose of the CCPA, means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s Personal information to another business or a third party for monetary or other valuable consideration.
Service refers to the Website, as well as the service of generating and sharing information with third-party affiliates for the purpose of providing life insurance and related products.
Service Provider means any natural or legal person who processes data on behalf of the Company. It refers to third-party companies or individuals employed or otherwise engaged by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to assist the Company in analyzing how the Service is used.
Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
Website refers to Americanbenefitsforhomes.com, accessible from www.Americanbenefitsforhomes.com.
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting & Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Coverage information/amounts in which You may be interested
Usage Data
Mortgage Debt
Mortgage Payments
Health History
Age
Policy Payout Relationship
Beneficiary Name

Usage Data

Usage Data is collected automatically when using the Service. It may include information such as Your Device’s Internet Protocol address (IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your requests: To attend and manage Your requests to Us.
To contact You: To contact You by email, telephone calls, SMS, or other forms of electronic communication, regarding the Service.
To share with our affiliates: We share the information collected with our business partners and affiliates to provide related products and services in which You may be interested.
For Business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of our business to another company.
With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service and to contact You.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located.

Disclosure of Your Personal Data

Business Transactions: If the Company is involved in a merger, acquisition, or asset sale, Your Personal Data may be transferred.
Law Enforcement: Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities.
Other Legal Requirements: The Company may disclose Your Personal Data in the good faith belief that such action is necessary to comply with a legal obligation.

Security of Your Personal Data

While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

CCPA Privacy

Your Rights Under the CCPA

The right to notice.
The right to access / request details about the Personal Data collected.
The right to say no to the sale of Personal Data.
The right to delete Personal Data collected in the past 12 months.
The right not to be discriminated against for exercising any of Your Consumer’s rights.

By email: info@Americanbenefitsforhomes.com
By visiting this page on our website: www.Americanbenefitsforhomes.com
By phone: (123) 456-7890