Access to and use of this Site are subject to all applicable federal,
state and local laws and regulations.
Access to and use of password protected or secure areas of this
Site are restricted to authorized persons only. Any User who accesses
or attempts to access such areas without authorization may be subject
to prosecution.
All content on this Site is protected by applicable copyright laws.
Users are prohibited from modifying, copying, distributing, transmitting,
displaying, publishing, selling, licensing, creating derivative
works or using any content on this Site for commercial or public
purposes. The trademarks, logos and service marks (the "Marks")
displayed on this Site are the property of Cheap-Term Users are
prohibited from using any Mark for any purpose without the express
written permission of Cheap-Term.
The product material described on this Site is provided for informational
purposes only. This material is intended solely to provide a general
overview of the types of products and range of services available
from Cheap-Term. The information included on this Site is not
an offer to sell any security or product in any state or other jurisdiction.
The products described on this Site may not be available in all
states or other jurisdictions.
The products referenced on this Site have restrictions, limitations,
and terms regarding coverage. For complete details concerning coverage
and product availability in your state, call 1-636-733-7592.
All information on this Site is provided to you "as is"
without any warranty of any kind, either express or implied, as
to the accuracy or completeness of the information, text, graphics
or other items contained on this Site. Cheap-Term expressly disclaims
all warranties, including but not limited to the implied warranties
of merchantability, fitness for a particular purpose, title, non-infringement,
security and accuracy. Information on this Site may contain inaccuracies
or errors. Information on this Site may be changed or updated without
notice. Cheap-Term has no obligation to update information on
this Site, so such information may be out of date at any given time.
Cheap-Term also may make improvements or changes in products described
on this Site at any time without notice.
You may leave this Site and access other sites on the World Wide
Web that Cheap-Term does not maintain. Cheap-Term is not responsible
for the content available on any other site on the World Wide Web
linked to this Site and disclaims any responsibility for such other
sites. Access to any such other site linked to this Site is at the
User's own risk.
Cheap-Term ("Cheap-Term"), recognizes that protecting
the privacy and security of the personal information we obtain about
our customers is an important responsibility. This Privacy Notice
generally describes our policy about how we treat that information.
This notice refers to Cheap-Term using the terms "we,"
"us," and "our."
We obtain most of the information we need directly from you on your
application or other forms you complete, or from those you have
authorized to provide information to us in connection with providing
our services to you. We also obtain information in the course of
processing and recording your transactions with us.
The type of information we obtain depends on the type of product
or service in which you express interest. The types of information
we may obtain fall into the following three general categories:
- Customer Information. Customer
information includes identifying information such as your name,
address, telephone number, and demographic data about you. It
also includes information about your transactions with us such
as the insurers to which your application for insurance has been
submitted as well as the type, value and premiums of the insurance
product for which you are applying.
- Financial Information. Financial
information is information covered by the Fair Credit Reporting
Act and includes information such as your credit history, income,
assets, type and value of other insurance products you own or
for which you have applied, and amount of insurance premiums you
pay for those other products.
- Health Information. Health information
includes information about your health and medical history, and
your insurance underwriting risk factors.
We maintain physical, electronic and procedural safeguards that
comply with Federal and State laws to protect all the information
we have obtained about you.
We use information about you for business purposes such as identifying
the insurers and the insurance products and services which will
meet your needs and processing your insurance applications. We may
also use information about you to offer you other products and services
we provide.
In order to offer you products and services that may be of value
to you, we may, where permitted by law, disclose the customer information
described above to the following:
- organizations we have hired to provide services on our behalf;
- other financial institutions with which we jointly market financial
products or services;
- our affiliated insurance companies;
- companies affiliated with us that offer products or services
other than insurance;
- anyone to whom you have authorized us to disclose the information;
- others as permitted* or required by law.
Cheap-Term will not disclose the financial and health information
described above to anyone outside of Cheap-Term unless you have
authorized us to do so, or as permitted* or required by law.
*Examples of disclosures permitted by law include
disclosures to organizations that provide business services for
us such as record keeping and information services.
All information transmitted, printed or otherwise submitted to
The Cheap-Term via this website shall be deemed to be the property
of Cheap-Term and shall be free to use such information for any
lawful purpose as detailed herein.
This site contains links to other sites and we are not responsible
for the privacy practices or the content of such sites.
We reserve the right to release such information to law enforcement
or other governmental officials as we, in our sole and absolute
discretion, deem necessary to comply with the law.
Collected Information
We automatically collect and/or track the following:
- web page http headers (home server domain names, IP address,
type of client computer, and type of Web browser);
- information knowingly provided by you through on-line forms,
registration forms, surveys, and or other entries, such as email
addresses, personal, financial or demographic information;
- information, user specific or aggregate, on what pages our
visitors access and (4) the e-mail addresses of visitors that
communicate with Cheap-Term via e-mail.
Use of Data Collected
We use your personal, demographic and profile data to enhance your
experience at our site and to enable us to present content we think
you might be interested in. We use your contact information to send
you information about our company and promotional material from
our partners. We may also use your personal, demographic and profile
data to improve our site, for statistical analysis, for marketing
and promotional purposes, and for editorial or feedback purposes
for our advertisers. Information collected by us may be added to
our databases and used for future e-mails or postal mailings regarding
site updates, new products and services, upcoming events, and/or
status of orders placed online.
Disclosure of Data to Third Parties
If you choose to provide personal information, it will be used for
the following purposes:
- considering you for a Cheap-Term account,
- sharing of your information with trusted third parties such
as credit bureaus and or other financial services providers,
- as required by law and
- for marketing products and services which we determine, in
our sole judgment, that you might find of interest. We reserve
the right to share, rent, sell, or otherwise disclose data we
collect to third parties. Any third party we share, rent, sell,
or otherwise disclose data to will be carefully prescreened by
us, determined by us to be reputable, and will use the personal
data for marketing products and services which we determine, in
our sole judgment, that you might find of interest.
Your Opt-Out Rights
You may opt-out of receiving communications from us and or our partners
by not submitting your information. We also allow you to remove
your information from our database. If you remove your information
from our database it will no longer be used by us for secondary
purposes, disclosed to third parties, or used by us or third parties
to send promotional correspondences to you. You can remove your
information by sending your request in writing via email to privacy@cheap-term.com
Your Rights To Your Personal Data
Upon request via postal mail or e-mail, we will provide you a summary
of personal information retained by us. We will only send your personal
records to your e-mail address or postal address we have on file
for you. You may modify, correct, change, or update your personal
record or remove your personal record from our database by sending
your request in writing via email to: privacy@cheap-term.com
We Do Not Intend To Collect Data From Children
The information and services provided us or our affiliates, sponsors,
and advertisers are not intended to be viewed by children (under
18 years old). No information collected from children is knowingly
used for any marketing or promotional purposes whatsoever, either
inside or outside Cheap-Term.
Our Right To Contact You
We reserve the right to contact you regarding your account status
and changes to subscriber agreements, privacy policy, or any other
policies or agreements relevant to you.
Our Right To Change
We reserve the right to change this policy at any time by notifying
you of the existence and location of the new or revised privacy
policy or by posting the changes online at our site.
Our contact information
If you have any questions about this privacy statement, the practices
of this site, or your dealings with this website, you can contact
us via email sent to: info@cheap-term.com
Web site: cheap-term.com
Cheap-Term understands consumers' concerns over the use of their
personal information. We hope this information will relieve any
concerns your company may have regarding our email policies.
Consumer Service Corp., Inc. and its web sites ( Cheap-Term )
use only an "opt-in or opt out" method of obtaining customer
information, and it is not our policy to send unsolicited email.
We obtain email addresses and personal information from third parties
that follow the same set of policies.
Cheap-Term email messages sent include the following information
about the origin of the emails and include instructions on how recipients
can unsubscribe from receiving future email messages:
From time to time, Cheap-Term will enter into an arrangement
with a third party website to allow individuals to opt into our
marketing program on those third party websites. In each case the
third party websites have represented and warranted to us, among
other things, (1) that the data was collected voluntarily from individuals
on website registrations and co-registrations, (2) that the sellers
have a right, under any applicable privacy statements, to transfer
the data to us, and (3) that Cheap-Term has the right to send
marketing offers to the individuals.
We hope this information satisfies any questions or concerns you
may have regarding the email practices of Cheap-Term . If you
have additional questions or wish to discuss this matter further,
please contact us at info@cheap-term.com
Our policy about obtaining and disclosing information may change
from time to time. We will provide you with notice of any material
change to this policy before we implement the change.
Some sites and pages within our Sites use "cookies." A
cookie is a small file that is stored on your hard drive and contains
no personally identifiable information about you and your usage
of our sites. A cookie cannot read data off your hard drive or read
cookie files created from other sites. You are free to decline our
cookie if your browser has been set to prompt or decline cookies.
Cheap-Term only makes calls to people who have requested information,
by giving us your number you are requesting information.
Cheap-Term specifically disclaims any liability (whether based
in contract, tort, strict liability or otherwise) for any direct,
indirect, incidental, consequential, or special damage arising out
of or in any way connected with access to or use of this Site (even
if Cheap-Term has been advised of the possibility of any such
damage), including any liability associated with any virus that
may infect a User's computer equipment. Under no circumstance will
Cheap-Term be liable for any loss or damage caused by a User's
reliance on information obtained through this Site. It is the responsibility
of each User to evaluate the accuracy, completeness or usefulness
of any information, opinion, advice or other content available through
this Site.
Cheap-Term makes no representation as to the financial or other
suitability of any product described on this Site for any User.
In order to evaluate whether a particular product is suitable for
your financial needs, you should contact a competent financial advisor.
Cheap-Term reserves the right to revise these Terms and Conditions
at any time and Users are deemed to be apprised of and bound by
any changes to these Terms and Conditions.
Cheap-Term reserves the right to seek any remedy available at
law or in equity for any violation of these Terms and Conditions,
including the right to block access from a particular Internet address
to this Site.
You agree that any claim or dispute between you and Cheap-Term
or any officer, director or employee of Cheap-Term related to
your use of this Site or any information herein, including the validity
of this provision regarding Mandatory, Binding Arbitration, regardless
of the amount or value of such claim or dispute, will be resolved
by mandatory, binding arbitration administered by the National Arbitration
Forum in accordance with its Code of Procedure then in effect, except
that any arbitration will be conducted in, and any hearing will
be held in,
Binding Arbitration will be governed by the Federal Arbitration
Act. Arbitration to be held in St. Louis, Missouri.
If users have any questions or suggestions regarding our terms and
conditions, please contact us at:
Cheap-Term
2460 Executive Drive
Suite 105
St. Charles, MO 63303
Fax: 800-585-0840 |
