Welcome, this Privacy Policy describes how your personal information is collected, used, and shared when you visit or use Termlifeshopping.com (the "Site"). Information provided by you through our website is used by its agents, and insurance carrier partners solely for its business purposes and in order to serve your needs. We are committed to respecting and protecting the privacy of your personal information.
By accessing and using the Site, you consent to the collection, use, and storage of your information by us in the manner described in this Privacy Policy and in the privacy policy of our insurance carrier partners. We reserve the right to change and update this Privacy Policy and such updated versions will be posted on the Site. This Privacy Policy supersedes all earlier versions of such policy. This Privacy Policy is effective only applicable to the Site and not to any other website that you may be able to access from the Site which may have its own data collection and use practices and policies.
By using this site, you are giving TermLifeShopping.com, William Sessums, Jr., and its agents and insurance carrier partners consent to communicate and transact electronically. You may withdraw your consent to receive Communications electronically and to use an electronic signature at any time by contacting us. If you withdraw your consent, you will be unable to apply for products and services through the Site, and we will be unable to continue to process any pending applications for products and services, including insurance products.
In addition, if you are from California, the Important Privacy Choice for California Consumers notice will apply to you.
PERSONAL INFORMATION WE COLLECT
Personal information means information that can be used to identify and contact you. You do not need to submit personal information to access the Service generally. However, when using our contact us function, you must submit personal information which allows for appropriate response based on your state of residence. We collect personal information when you apply for, or obtain an Insurance Policy as required by the respective carrier application.
HOW WE COLLECT INFORMATION ABOUT YOU
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via the site or other direct contact from you. We will not sell or rent this information to anyone. We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.
We may also automatically collect certain information through the use of "cookies." Cookies are small data files that are stored on a user's hard drive at the request of a website to enable the site to recognize users who have previously visited them and retain certain information such as customer preferences and history. If we combine cookies with or link them to any of the personally identifying information, we would treat this information as personal information. If you wish to block, erase, or be warned of cookies, please refer to your browser instructions or help screen to learn about these functions. However, if your browser is set not to accept cookies or if a user rejects a cookie, you may not be able to access certain site features or services. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
HOW WE USE THE INFORMATION WE COLLECT
We use the information we collect for our business purposes to provide, maintain, protect and improve our Site, products and services; to develop new products and services; to better our marketing efforts; and to protect us and our users.
We may also use your personal information to select you for certain marketing offers, newsletters, surveys and/or requests for feedback regarding your experience. We may use your personal information both to select you for an offer and to communicate that offer to you. Receipt of these communications is voluntary. If you do not wish to receive these communications please click on the "unsubscribe link" provided in such communications. We make every effort to promptly process all unsubscribe requests. You may not, however, opt out of service-related emails and communications (for example, you may not opt out of emails related to account verification, administration, changes/updates to features of our Site or products or services, technical and security notices or that provide other transactional information).
We may share your information with your advisor, life insurance companies, reinsurance companies and their respective administrators, vendors, agents, and third-party service providers, including but not limited to insurance support organizations, that are engaged in services related to underwriting and issuing life insurance policies as needed to provide you the insurance products and services you request.
Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.
PRIVACY INFORMATION FOR CALIFORNIA RESIDENTS
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below. If you are under 18 years of age, reside in California, and have agent or client information with TermLifeShopping.com, you have the right to request removal of unwanted data on our platform. To request removal of such data, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. The California Code of Regulations defines a "resident" as:
(1) every individual who is in the State of California for other than a temporary or transitory purpose and
(2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose
All other individuals are defined as "non-residents." If this definition of "resident" applies to you, we must adhere to certain rights and obligations regarding your personal information
THIRD-PARTY PRACTICES
This Site contains links to, and uses services from, other Internet sites that are not maintained by us. Unless otherwise stated, we make no warranties or representations regarding these websites or the products or services offered on them. We do not control the privacy or security practices of third parties, or the locations where they process data. This includes website for our agents and insurance carrier partners. You should read the privacy and security policies of the other sites, as their practices may differ from ours
CHANGES
We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons. This Privacy Policy is effective as of the date set forth below and is only applicable to the Service and not to any other website that you may be able to access from the Service which may have its own data collection and use practices and policies. This Privacy Policy may change from time to time and we will post all changes on the Site.
CONTACT US
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at sessumsjr@gmail.com
This policy was last modified on November 21, 2025.