TERMS AND CONDITIONS

Laws and Regulations.
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas.
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.

Copyright and Trademarks.
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 Low Cost Term Insurance Users are prohibited from using any Mark for any purpose without the express written permission of Low Cost Term Insurance.

Informational Purposes Only.
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 Low Cost Term Insurance. The information included on this Site is not an offer to sell any security or product in any state or other jurisdiction.

Products Not Available in All States.
The products described on this Site may not be available in all states or other jurisdictions.

Policy Restrictions, Limitations and Terms.
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 1-866292-6234

No Warranty.
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. Low Cost Term Insurance 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. Low Cost Term Insurance has no obligation to update information on this Site, so such information may be out of date at any given time. Low Cost Term Insurance also may make improvements or changes in products described on this Site at any time without notice.

Linked Internet Sites.
You may leave this Site and access other sites on the World Wide Web that Low Cost Term Insurance does not maintain. Low Cost Term Insurance 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.

PRIVACY NOTICE

Low Cost Term Insurance ("www.lowcostterminsurance.net "), 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 Low Cost Term Insurance using the terms "we," "us," and "our."

How we obtain information.
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.

Information we may obtain.
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.

Security of the information.
We maintain physical, electronic and procedural safeguards that comply with Federal and State laws to protect all the information we have obtained about you.

What we do with the information we obtain.
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.

Customer Information.
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.

Financial and Health Information.
Low Cost Term Insurance will not disclose the financial and health information described above to anyone outside of Low Cost Term Insurance 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 Low Cost Term Insurance via this website shall be deemed to be the property of Low Cost Term Insurance 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.

Section 1.
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 Low Cost Term Insurance via e-mail.

Section 2.
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.

Section 3.
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 Low Cost Term Insurance 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.

Section 4.
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 This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Section 5.
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: This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Section 6.
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 Low Cost Term Insurance

Section 7.
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.

Section 8.
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.

Section 9.
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: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Information for ISPs
Web site: www.lowcostterminsurance.net.

Low Cost Term Insurance 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 ( floridatermquotes.com ) 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.

Low Cost Term Insurance 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, Low Cost Term Insurance 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 Low Cost Term Insurance 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 Low Cost Term Insurance . If you have additional questions or wish to discuss this matter further, please contact us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Changes to our Privacy Notice.
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.

Use of Cookie Files.
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.

Telemarketing.
Low Cost Term Insurance only makes calls to people who have requested information, by giving us your number you are requesting information.

Limitation of Liability.
Low Cost Term Insurance 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 Low Cost Term Insurance 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 Low Cost Term Insurance 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.

No Representation as to Suitability.
Low Cost Term Insurance 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.

Changes to Rules and Regulations.
Low Cost Term Insurance 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.

Violations of Rules and Regulations.
Low Cost Term Insurance 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.

Mandatory, Binding Arbitration.
You agree that any claim or dispute between you and Low Cost Term Insurance or any officer, director or employee of Low Cost Term Insurance 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 Birmingham, AL.