Privacy Policy and Terms of Condition

 

QLACs.net is owned and operated as a DBA of Joseph Signorella, CFP®, RICP®, who is committed to keeping all of your personal information secure. This privacy statement explains the protection, uses and benefits of the information you provide in order to ensure your peace of mind through every step of the process.

What information is gathered and how is it used?

The questions we ask on our site are used only to determine which insurance carriers and products best match your unique needs. Each insurance company prices their products differently, based on a variety of financial related and personal risk factors, so to help match you most accurately with the best company, product, and policy for your needs, after submitting a quote request, a licensed representative will review your submission and either call you or email you to help determine whether or not you can qualify for the quote. In this conversation, we gather general health, financial, family history and contact information. Of course, you should only feel comfortable providing this information to a trusted name with a verified commitment to your privacy and security. Should you have any questions whatsoever regarding the personal information submitted to QLACs.net, please call us at 800-325-1833 or email us at Joe at longevity-annuity dot com.

 

Does QLACs.net share my personal information to other companies?

We do not share your information with any third party for any reason, except to help you obtain insurance and annuities. In times of high lead volume, we do share your quote request details, including your name, date of birth, gender, and email address with an affiliate agency, who will assign a licensed representative to call and assist you with your needs. Rest assured that your quote request at our site will never be shared with more than one affiliate agency, and will never lead to more than two phone call from a representative.

 

When does QLACs.net provide my personal information to Insurance companies?

Only when you explicitly authorize us to begin the application process for the policy and carrier you choose. Even then, you will receive the formal paperwork to review (and correct, if necessary) and sign before any information will be released to the carrier of your choice.

How will the Insurance companies use my information once I authorize its release? Any personal information gathered by QLACs.net is used only for the process of qualifying you for Insurance products. Where permitted by law, your information may be used to request credit, medical and/or driving records from a third party. This information is used for underwriting the application in accordance with the disclosures and releases that you must review and sign. These authorizations are included with your application.

Does QLACs.net use “cookies”?

Yes. To personalize your experience on our website and to enhance security, we may assign your computer browser a unique random number known as a “cookie”. Cookies enhance security by allowing us to identify you should you wish to access your personal profile upon returning to our site. Cookies also allow the site to display the proper pages and forms appropriate to your profile. Your privacy and security are not compromised when you accept a cookie from QLACS.net. We do not use cookies to collect any personally identifying information, and a cookie cannot read data from your computer’s hard disk or read cookie files from other websites.

What Happens if I Fill Out the Instant Quote Request Form? One of our representatives then typically will call you and/or email you within 24 hours to help you in determining the amount or type of insurance policy needed, which is the purpose of our contact. Completion of any quote request form on this website implies the establishment of a business relationship and gives us the right to contact you via phone or email. If you have any questions regarding our Privacy Policy, our website, or any other aspect of the services we offer, please call us at 1-800-325-1833 or email us at Joe at longevity-annuity dot com.

 

Terms and Conditions

QLACs.net is a DBA of Joseph Signorella,CFP®, RICP®, (hereinafter “We”, “Us”, “Our”). By clicking the “Quotes” button on the quote form of our home page, you hereby agree to the terms and conditions of this Agreement which, along with the consideration of the mutual promises You and We make to each other, then becomes a binding contract between Joseph Signorella, DBA QLACs.net, and You.

 

WEBSITE PURPOSE You understand and agree that: Joseph Signorella, DBA QLACs.net provides only a request by You for an insurance proposal, which also initiates a business relationship between us, but in no way binds Us to providing you insurance; and that examples of savings shown on our web site are examples only, and Your insurance quotation will vary depending on the information collected during the application process when We will follow up and verify Your information. You hereby agree to abide by Our Privacy Policy at all times. REGISTERED LIFE INSURANCE AGENT We are registered Life Insurance Agents. Joseph Signorella’s individual resident insurance license number in California is 0E57517.  Christopher Huntley is also registered as an agent in other states. Requests for insurance quotations from other states will require Us to provide your information to a registered agent in Your state to contact you. A finder’s fee may be paid by this Agent to Us.

We are currently appointed agents with most insurance companies, quotes from companies with whom We are not currently appointed will require Us to become appointed or We will need to provide Your information to a registered agent that is licensed to sell that product. A finder’s fee may be paid by this Agent to Us. PRODUCT RESTRICTIONS Product(s) are subject to underwriting requirements limitations may apply. Availability of premium rates and policy forms may be changed by each insurer without prior notice. Products(s) are not available in all states, and availability of product(s) varies by state. TRADEMARKS We hereby claim QLACs.net to be a trademark of Our company. COPYRIGHT As indicated by the notice on the bottom of Our Home Page, Joseph Signorella claims a copyright to the content of this web site. USING GOOD CITIZENSHIP IN REVIEWS, FORUMS, ETC. You understand and agree that You will not Use Our web site to: post, email, upload or transmit any content that is patently offensive, vulgar, unlawful, threatening, defamatory, abusive, tortuous, obscene, libelous, illegal, hateful, harmful, harasses or advocates harassment of another person, invasive of another person’s privacy, exploitive of people in a sexual or violent manner, racially, ethnically or otherwise objectionable or promotes racism, bigotry, hatred or physical harm of any kind against any group or individual; Impersonate another person or post a photograph of another person as Your image; stalk or otherwise harass another; harm a minor in any way; promote commercial activities and/or sales such as contests, sweepstakes, barter, or advertising except as provided by the functionality of the Site; post, email, upload or transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, unsolicited mass mailing, chain letters, or pyramid schemes; promote an illegal or unauthorized copy of another person’s copyrighted work; upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; use software that automatically creates user identities; intentionally or unintentionally violate any applicable local, state, national or international law; post a review on a business You own, control or are employed by; post inaccurate or misleading information or pictures; or misrepresenting a product or service. You understand and agree that You are solely responsible for Your interactions with other visitors and that We reserve the right, but have no obligation, to monitor disputes between You and other visitors. WARRANTY YOU WARRANT THAT AT ALL TIMES YOU WILL BE IN COMPLIANCE WITH THIS AGREEMENT AND THAT YOUR USE OF ANY SERVICE OFFERED BY US WILL NOT VIOLATE FEDERAL OR STATE LAW. OUR SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOU EXPRESSLY AGREE THAT USE OF ANY SERVICE OFFERED BY US IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABLITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. WE DO NOT MAKE ANY WARRANTY THAT OUR SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT ANY SERVICE OFFERED BY US WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF ANY SERVICE OFFERED BY US OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH ANY SERVICE OFFERED BY US. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF ANY SERVICE OFFERED BY US IS AT YOUR OWN DISCRETION AND RISK, AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. WE DO NOT MAKE ANY WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH OR FROM US OR ANY TRANSACTIONS ENTERED INTO BY USE OF OR THROUGH ANY SERVICE OFFERED BY US. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH ANY SERVICE OFFERED BY US SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. LIMITATION OF LIABILITY UNDER NO CIRCUMSTANCES, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, SHALL WE OR OUR PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE ANY SERVICE OFFERED BY US, OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO BY MEANS OF OR THROUGH ANY SERVICE OFFERED BY US, OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR OTHER INFORMATION THAT IS SENT OR RECEIVED OR NOT SENT OR RECEIVED, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA, OR OTHER INTANGIBLES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU ALSO AGREE THAT WE SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU, OR TO ANYONE, FOR THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR ARISING FROM USE OF ANY SERVICE OFFERED BY US. IF YOU ARE DISSATISFIED WITH ANY SERVICE OFFERED BY US YOUR EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE WITHOUT REFUND OF ANY KIND WHATSOEVER. FORCE MAJEURE Neither party shall be liable for delays or nonperformance of this Agreement caused by strike, fire or accidents, nor shall either party be liable for delay or nonperformance caused by lack of availability of materials, fuel or utilities or for any other cause beyond its control. ASSIGNMENT You may not assign Your rights or obligations under this Agreement without Our prior written consent. RELATIONSHIP OF THE PARTIES The parties to this Agreement are independent contracting entities and there is no partnership or agency relationship between them. INTENDED FOR USERS OVER 18 Our web site is intended for use by individuals 18 years of age or older only. If You are under the age of 18 please leave this site immediately. TERM OF AGREEMENT Either party may terminate this Agreement at any time for any reason or for no reason; however, the rights and responsibilities granted by this agreement shall survive termination. NOTICES TO US All notices to Us under this Agreement shall be in writing and shall be delivered by United States Mail, registered or certified, return receipt requested, postage prepaid to the address recorded above for Us. Notices shall be deemed received on the date of actual receipt as indicated on the delivery notice or return receipt, or the date the receipt is refused. GOVERNING LAW The parties agree that this Agreement and its terms and conditions shall be subject to and construed in accordance with the laws of the State of California. The parties consent to exclusive jurisdiction and venue for any claim for enforcement of this Agreement, or any dispute arising from or related to this Agreement or use of this website, in the state or federal courts of Illinois. SEVERABILITY If any provision, or portion thereof, of this Agreement is held by a court of competent jurisdiction to be invalid under any applicable statute or rule of law, You understand and agree that such invalidity shall not affect the validity of the remaining portions of the Agreement and understand and agree that We may substitute for the invalid provision a valid provision which most closely approximates the intent and economic effect of the invalid provisions. SITE DISCLAIMER QLACs.net and its representatives do not give legal or tax advice. Information contained on this page simply reflects our understanding of the tax rules and regulations in effect at the time of publication. Please consult your personal tax and/or legal advisor regarding insurance and/or estate tax law as it applies to you.  Also, while we make every effort to keep our site updated, please keep in mind the article you’ve just read may be slightly outdated, so we cannot guarantee the accuracy of any quotes or products mentioned on our site. AGREEMENT This Agreement sets forth the entire agreement between the parties. You acknowledge and agree that You have reviewed this Agreement in its entirety, and every part thereof, and that You understand the Agreement. You further acknowledge and agree that You have had the opportunity to review this Agreement and otherwise consult with Your independent counsel as to the Agreement. ELECTRONIC NOTICES AND SIGNATURES YOU HEREBY AGREE TO THE USE BY US OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE SITE OR SERVICES OFFERED BY US. FURTHER, YOU HEREBY WAIVE ANY RIGHTS OR REQUIREMENTS UNDER ANY STATUTES, REGULATIONS, RULES, ORDINANCES OR OTHER LAWS IN ANY JURISDICTION WHICH REQUIRE AN ORIGINAL SIGNATURE OR DELIVERY OR RETENTION OF NON-ELECTRONIC RECORDS. MODIFICATION This Agreement is effective as of July 1, 2014. We reserve the right to modify this Agreement at any time. You will be notified of any material changes either by email or by a conspicuous posting on our web site. If You do not agree with the modification to this Agreement Your sole remedy is to cease doing business with Us.

 

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