I.     General Statement

At ALIR, LLC (“ALIR”), we are committed to protecting the privacy of our customers and visitors to our web site.  We understand and support public concerns regarding the use and protection of nonpublic personal information and are committed to restricting the use and disclosure of such information as required by applicable law to the extent that it comes into the possession of the company.  ALIR recognizes and complies with its obligations to maintain confidentiality of all personal, financial, health and medical information received that pertains to policy owners and insured individuals in connection with the products and services offered by ALIR.  Our Privacy Policy details why we gather personal information,  the type of information we collect, how we collect it, what we may use the information  for, to whom we allow access, how we protect it and how you can instruct us if you prefer to limit the use of that information.

II.     Your Rights Regarding Personal Information

  • You have the right to know why a company collects, uses and discloses personal information.
  • You have the right to expect a company to handle personal information reasonably and to not use it for any purpose other than the one to which was consented.
  • You have the right to expect a company to protect personal information from unauthorized disclosure.
  • You have the right to inspect the personal information the company holds about and make sure it is accurate, complete and current.
  • You have the right to expect a company to destroy personal information when requested by you or when no longer required for the intended purpose.

III.     Collection, Use and Disclosure of Personal Information

ALIR collects personal information necessary to analyze and evaluate life insurance policy(ies) (the “Business Purpose”).  In consideration of proposals or offers for purchase of life insurance policies, certain types of nonpublic personal information must be obtained by ALIR. This personal information may be provided to ALIR by you in a variety of ways, including but not limited to: information provided by insurance agent, financial professional, accountant, attorney or other representative (collectively “Representatives”) and then forwarded to ALIR; and information provided to ALIR’ on forms completed by the Representatives.

ALIR will only collect personal information that is necessary to facilitate the Business Purpose.  We may use this information in order to:

  • Assess an application to determine whether a policy qualifies for the products and services offered by ALIR;
  • Obtain life expectancy evaluations from one or more life expectancy companies;
  • Communicate with a Representatives in a timely and efficient manner;
  • Obtain medical information from the physician and other medical provider(s);
  • Analyze demographic and other business results;
  • Detect and prevent fraudulent activities;
  • Sell your information to third parties; or
  • Act as required or authorized by federal, state or other laws.

In furtherance of performing the Business Purpose, ALIR will collect personal information on a policy owner or insured from their Representatives, including but not limited to the following types of information:  name, address, telephone number(s), email addresses, social security number(s), date of birth, insurance coverage details and history, insurance policy information, health and medical information, marital information, beneficiary information, financial information, and information pertaining to lawsuits, bankruptcies, judgments and creditor liens.  In the event we request health and/or medical information or communication with a medical provider(s), we will only do so following execution of an Authorization for Disclosure of Protected Health Information (“PHI”) release in compliance with the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”).

ALIR will only disclose personal information to our affiliates, and to non-affiliated vendors, brokers, providers and other third parties, or where we are otherwise entitled or required to do so by law.  ALIR reserves the right to transfer information in connection with the sale of all or part of ALIR and its assets.  Furthermore, we are not responsible for any breach of security or for any actions of any third parties which receive the personal information.

IV.     Protection of Personal Information

We use security procedures to protect the personal information we hold.  Access to and the use of personal information is appropriately limited to prevent misuse or unlawful disclosure of the information.  ALIR protects the security of the information submitted to us.  The importance of security for all personal information is of the utmost importance to us.  Our secure servers protect your information using advanced technology.  We maintain physical, electronic and procedural safeguards that comply with all applicable regulatory standards to guard nonpublic personal information.  ALIR uses reasonable precautions to keep the information disclosed to us secure.

We will maintain a physical and/or electronic record of any personal information at the offices of ALIR to comply with federal and state regulations. All employees of ALIR are required to sign and acknowledge a Confidentiality and Nondisclosure Agreement and are trained on the importance of protecting and keeping personal information confidential.  We limit employee access to nonpublic personal information only to those who need to know this information in order to serve customer relationships.  Our employees are educated about the importance of privacy in accordance with our Best Practices Statement and instructed to use the information only for the purposes intended.  We have established physical and systems safeguards, along with proper processes, to protect personal information from unauthorized access or use.

V.     Online and Electronic Information Privacy Policy

 

For each visitor to our web site, our web server automatically recognizes only the visitor’s domain name and IP address, but not the e-mail address (where possible).  The domain name and IP address reveal nothing personal about you other than the IP address and the domain name from which you have accessed our web site.  We may also track certain information about the use of our web site, such as the source address of a page request and the date and time of the page request.  We use this data to better understand use of our web site and user preferences.  This information is stored in log files and is used for aggregated and statistical reporting.  If you wish to review, edit, or want us to permanently delete your information, please e-mail us at info@ALIR.com.

ALIR uses “popups” solely for the purpose of its top level navigation bars in order to invoke drop down menu selection to sub pages.  In addition, we will occasionally use a “cookie”.  A cookie is a small file that a web site stores on your computer.  We use cookies for a number of administrative purposes; for example, to gather data about the usage of our web site, to store your preferences for certain kinds of information, or to store a password so that you do not have to input it every time you visit our site.  Our use of cookies does not require that they contain personally identifiable information about you.  It simply allows the web server to recognize you during your next visit to our site.  You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it.  However, if you choose to reject cookies, you may not be able to use certain features within our web site.

If you submit an application or form online, or request an online transaction, we may keep the information you send in an electronic database.  We use security measures to protect against the loss, misuse, and the alteration of data used in our systems. ALIR is the owner of the information which is collected on our web site.  We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

We may also request your e-mail address or mailing address for the purposes of conducting a survey or to provide additional services (for example, subscriptions to e-mail newsletters, announcement lists or information about seminars).  Whenever we request the identity of a visitor, we will clearly indicate the purpose of the inquiry before the information is requested.  Unless explicitly stated, e-mail is not secure.  We recommend that you do not send any confidential information through e-mail.  If you send e-mail to us, we may retain the contents of your e-mail message, your e-mail address, and our response.

ALIR’ web site may contain links to third party web sites that are not controlled by ALIR.  These third party links are made available to you as a convenience and you agree to use these links at your own risk.  Please be aware that ALIR is not responsible for the content of third party web sites nor are we responsible for the privacy policy or practices of third party web sites linked to ALIR.  We do not share any of the individual personal information you provide to ALIR with the sites to which ALIR links, although ALIR may share aggregate data with such web sites (such as how many people use our Site).  Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with ALIR.  If you should link to a third party web site from ALIR, we strongly encourage you to review and become familiar with that web site’s privacy policy.  Please keep in mind that whenever you voluntarily disclose personal information online – for example through e-mail, discussion lists, or elsewhere – that information can be collected and used by others.  If you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return.  Ultimately, you are responsible for maintaining the secrecy of your personal information.

ALIR also maintains a strict “No-Spam” policy.  In addition, ALIR will not send you email that you have not agreed to receive.  We may from time to time send e-mail announcing new ALIR products and services.

 

As an added benefit to the visitors of ALIR’ web site, we send e-mail announcements to individuals who request to receive them.  When you sign up for a ALIR e-mail newsletter, you are given the opportunity to also receive announcement lists from third parties.  If you choose to receive a specific announcement list, you will receive commercial messages that are related to the topic of the list from independent third-parties that have contracted with ALIR to send messages to the list.  Personally identifiable information will not be used by ALIR for any purposes other than to deliver the newsletters.  You may stop the arrival of these announcement lists at any time by removing your e-mail address from the list by forwarding the announcement list to info@ALIR.com, or by following the instructions on the e-mails you receive.

VI.     Changes to Our Privacy Policy

 

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.

VII.     Withdrawal of Consent to Release Personal Information

You may withdraw your consent at any time (subject to legal or contractual obligations and on providing us with reasonable notice) by contacting our General Counsel & Chief Compliance Officer at the address or telephone number below.  Please be aware that withdrawing your consent may prevent us from providing you with the products and services offered by ALIR.

ALIR, LLC

Attn:  General Counsel & Chief Compliance Officer
47 Discovery, Suite 160

Irvine, CA 92618

(888) 358-7878