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Terms Of Use

TERMS AND CONDITIONS

Information presented on TheIULGuys.com is for general educational purposes only. It is not a recommendation of any specific insurance or financial product. Be sure to have extensive consultations with a licensed professional about the implications pertaining to your specific situation before implementing any strategy discussed sitewide. As fiduciaries it is our pleasure (and our duty) to advise clients based on their needs, to the best of our ability. Thus, we reserve the right to refuse service to anyone who’s actions would seem to jeopardize their long term goals and aspirations (as they had previously explained).

ONLINE PRIVACY POLICY AGREEMENT

January 1st, 2022

The IUL Guys values its users’ privacy. This Privacy Policy (“Policy”) will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to assure those affiliated with The IUL Guys of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.

We reserve the right to make changes to this Policy at any given time. If you have not registered with us and want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If you are a registered user, we will notify you via email of any major changes made to this Policy.

This Policy applies to The IUL Guys and any sister or subsidiary companies, and it governs any and all data collection and usage by us. Through the use of TheIULguys.com and any sister or subsidiary website(s), you are tacitly consenting to the data collection procedures expressed in this Policy.

Please note that this Policy does not govern the collection and use of information by companies that The IUL Guys does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and conditions of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.

Specifically, this Policy will inform you of the following

    Information We Collect

    It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as:

    ● Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.

    In addition, The IUL Guys may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.

    The IUL Guys may also deem it necessary, from time to time, to follow websites that our users may frequent to gleam what types of services and products may be the most popular to customers or the general public.

    Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, and emails.

    Why We Collect Information and For How Long

    We are collecting your data for several reasons:

    ●  To better understand your needs and provide you with the services you have requested;

    ●  To fulfill our legitimate interest in improving our services and products;

    ●  To send you promotional emails containing information we think you may like when we have your consent to do so;

    ●  To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;

    ●  To customize our website according to your online behavior and personal preferences. The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy. Use of Information Collected The IUL Guys does not now, nor does it have any plans to sell, rent or lease any of its customer lists and/or names to any third parties. The IUL Guys collects and makes use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from TheIULguys.com and its subsidiaries. The IUL Guys and its subsidiaries may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current, potential, or future services that may be offered. The IUL Guys may find it beneficial to all our customers to share specific data with our trusted partners in an effort to conduct statistical analysis, provide you with email and/or postal mail, deliver support and/or arrange for deliveries to be made. Those third parties shall be strictly prohibited from making use of your personal information, other than to deliver those services which you requested, and as such they are required, in accordance with this agreement, to maintain the strictest confidentiality with regards to all your information. The IUL Guys uses various third-party social media features including but not limited to facebook.com,instagram.com and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within The IUL Guys’ control. Disclosure of Information The IUL Guys may not use or disclose the information provided by you except under the following circumstances:

    ●  as necessary to provide services or products you have ordered;

    ●  in other ways described in this Policy or to which you have otherwise consented;

    ●  in the aggregate with other information in such a way so that your identity cannot reasonably be determined;

    ●  as required by law, or in response to a subpoena or search warrant;

    ● to outside auditors who have agreed to keep the information confidential;
    ● as necessary to enforce the Terms of Service on our website;
    ● as necessary to maintain, safeguard and preserve all the rights and property of The IUL Guys.

    Non-Marketing Purposes

    The IUL Guys greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in The IUL Guys products and services, or changes to this Policy). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

    Children under the age of 13

    The IUL Guys’ website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen (18). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (18), we shall immediately take the necessary steps to ensure that such information is deleted from our system’s database, or in the alternative, that verifiable parental consent is or has been obtained for the use and storage of such information. Anyone under the age of thirteen (18) must seek and obtain parent or guardian permission to use this website.

    Unsubscribe or Opt-Out

    All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please respond to any email that you wish to unsubscribe. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. The IUL Guys will continue to adhere to this Policy with respect to any personal information previously collected.

    Links to Other Websites

    Our website does contain links to affiliate and other websites. The IUL Guys does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Policy applies only and solely to the information collected by our website.

    Notice to European Union Users

    The IUL Guys’ operations are located solely in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.

    Security

    The IUL Guys takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the webpage.

    While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user’s personal information under our control.

    The Company also uses Secure Socket Layer (SSL) for authentication and private communications to build users’ trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.

    SMS Texts And Phone Verification

    By submitting a telephone number for text verification, you are accepting the terms and conditions stipulated within this Privacy Policy Agreement. you agree to receive marketing and promotional SMS messages from 855-965-5242. Msg & data rates may apply (Reply STOP to opt out).

    Acceptance of Terms

    By using this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following proper notification or the posting of any updates or changes to our terms and conditions, shall mean that you agree and accept such changes.

    How to Contact Us

    If you have any questions or concerns regarding this Privacy Policy as it relates to our website, please feel free to submit your query via the contact us form.

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