Introduction

Thank you for visiting this FairMarket Life Settlements website. At FairMarket Life Settlements (“FairMarket Life Settlements, “we”, “us”) we’re committed to protecting the privacy of your personal and identifiable information. This policy describes how we collect, use, and share information about you that we receive. Please take a brief moment to review the terms of our Privacy Policy. By using this website (the “Site”) you agree to this Privacy Policy in its entirety, including our use of cookies. Your acceptance of both this Privacy Policy and our use of cookies on the Site will be acknowledged as a blanket acceptance of such Privacy Policy and cookie usage. If you do not agree to this Privacy Policy in its entirety, you are not authorized to use this Site. Please then leave the Site. This Privacy Policy is part of the terms of use (“Terms”) for this Site.

1. Information We Collect

Throughout this Privacy Policy we refer to your information, whether or not it can be used to identify you, and whether or not you provide it to us or it is automatically collected from you, as “personal information.”

Personally Identifiable Information

Personally Identifiable Information is any information that can be used to identify or locate a particular person or entity, either alone or when combined with other personal or identifying information that is linked or can be linked to a specific individual. This may include, but is not limited to: your first and last name, contact information such as a phone number or an email address, and information about your needs.

We collect your Personal Identifiable Information only when you voluntarily and directly provide it, such as through a form or other submission on this Site.

Non-Personally Identifiable Information

We may collect certain data about you when you visit this Site, such as the type of browser you are using (e.g., Safari, Chrome), the type of operating system you are using, (e.g., Windows or Mac), your IP address and the domain name of your Internet service provider (e.g., Xfinity, Verizon), and share such information with our partners. By itself, this information (“non-personally identifiable information”) cannot be used to identify you individually. Much of this information is collected through cookies, web beacons, and other tracking technologies. We use the non-personally identifiable information that we collect to improve the Site and to help us to personalize your Internet experience.

About tracking technologies:

• Cookies are small packets of data stored on your computer and used by your computer’s browser to store your preferences. The use of cookies is a standard practice among websites to collect information about visitors’ activities while using the website. Cookies, by themselves, do not tell us your e-mail address or other personally identifiable information. We use cookies to understand Site usage and to improve the content and offerings on the Site. You may set your browser to warn you that cookies are in use, or to block the use of cookies. Most browsers are set to accept cookies. If your browser is not set to accept cookies, certain uses of the Site may require you to go to your browser user preferences to enable cookies. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.
• Web Beacons, also known as “web bugs”, “pixel tags” or “clear GIFs”, are small graphical images that may be used on the Site, or in our emails to deliver cookies, count visits and determine if an email has been opened and acted upon.
• An Embedded Script is a programming code that is designed to collect information about your interactions with the Site, such as the links you click on. The code is temporarily downloaded onto your computer or other device and is deactivated or deleted when you disconnect from the Site.

For more information about cookies (and other kinds of online tracking), please visit www.consumer.ftc.gov/articles/0042-online-tracking. Some browsers have incorporated Do Not Track (“DNT”) preferences. As there is not yet an industry-standard DNT protocol on how to interpret DNT signals, we do not honor DNT signals from browsers at this time. However, you may refuse or delete cookies to prevent tracking activities, as described above.• An Embedded Script is a programming code that is designed to collect information about your interactions with the Site, such as the links you click on. The code is temporarily downloaded onto your computer or other device and is deactivated or deleted when you disconnect from the Site.

2. How We Use Your Information

We may use your Personally Identifiable Information to pursue our valid business interests, such as:

• to offer you data about our services or other information you have requested;
• for our own internal functions such as keeping our Sites secure, management reporting, internal research and to improve efficiencies;
• to track your conformity with our policies; and/or
• for acceptance, elimination, content advancement and feedback purposes.

3. Sharing Data

As a general rule we will not sell, share, or rent your personal data to or with others. Notwithstanding the foregoing, we may share information we have collected about you, including personally identifiable information, with our partners for purposes of offering you information you have requested about our services or other matters. Our policy is to allow these third-party service providers to obtain only the information they need to provide the services and to prohibit these providers from using information for any improper purpose. We also make advancements to require them to protect any personal information to the same extent that we do.

We also may share your information as disclosed at the time you provide your information, with your consent, as otherwise described in this Privacy Policy, or in the following circumstances: (a) we may provide such information to certain third-party administrative vendors for efficiency purposes in providing administrative or program management services in connection with any account or profile set up with us. Any third-party vendor so used has agreed to protect the confidentiality of information provided by us; (b) where required by law, or requested by a court of competent jurisdiction; (c) where you are in violation of this Privacy Policy, the Terms and/or any other services agreement; (d) in the case of a dispute; or (e) where we determine, in our sole discretion, that such disclosure is necessary to protect our rights and/or a third party, or necessary to protect us from liability of any kind. The aforementioned includes exchanging information with other companies and organizations for fraud protection; (f) in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock.

4. Third Party Services

We are not responsible for, and this policy does not address, the privacy practices of third parties, which are subject to those third parties’ own privacy policies. We urge you to make known by yourself with and consult third parties’ privacy policies and terms of use.

The Site contains data from and hyperlinks to websites, locations, and services operated and owned by third parties. Our website also contains tracking technologies operated by third parties.

To the extent we combine information we receive from third parties with Personally Identifiable Information you have provided us, we have, we will treat the combined information as Personally Identifiable Information under this Privacy Policy.

5. International Users

We avoid knowingly collecting personally identifiable information about EU residents or citizens other European Economic Area countries. Our properties, including this Site, are intended for users in the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Your use of the Site or provision of any information constitutes your consent to the transfer to and from, processing, usage, sharing, and storage of your information, including Personally Identifiable Information, in the U.S. as set forth in this Privacy Policy.

6. Security

We take appropriate security measures to help defend your personal information from unauthorized access and disclosure. For example, with regard to internal operations of any Site or property owned by FairMarket Life Settlements, only authorized employees and authorized third party service providers are allowed to access personal information, and they may do so only for allowed business functions. We follow accepted industry standards to protect the personal information submitted to us, both during transportation and once we receive it. No method of transportation over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute preservation.

7. Data Retention

Subject to any mandatory obligations to delete data, your data may be received by us and in our agent portal, server logs, databases and records indefinitely.

8. Minors’ Privacy

We encourage parents and guardians to spend time online with their children and to aid and follow the interactive activities of their children. We will never knowingly collect any personal information about individuals under eighteen (18) years of age. If we obtain actual knowledge that we have collected data about an individual under eighteen (18) years of age, that data will be immediately removed from our database.

9. Updating or Deleting Your Personal Information and Opting Out of Receiving Email

You may at any time choose to stop receiving emails with general information by following the instructions at the end of each such email or by contacting us. There may be a short time period of up to several business days while your request is being verified and processed across our servers. We may continue to contact you for the purpose of responding to any inquiry or request made by you.

You have a right to request not to receive telemarketing calls from us by asking us to place your telephone number on our internal Do Not Call List (“DNC List”). Our written Do Not Call Policy for maintaining our DNC List is available upon demand.

10. Notification of Changes

We reserve the right to change or update the terms of this Privacy Policy at any time. When we make material changes to the terms of this Policy we will provide notice on this page by posting a clear notice on the Site explaining that we are changing our Privacy Policy. All Privacy Policy changes will take effect immediately upon their posting on the Site. Please check the Site for any changes. Your advanced use of the Site and/or acceptance of our e-mail communications following the posting of changes to this Privacy Policy will constitute your allowance of any and all changes.