Reliant Direct Insurance Inc. and Paraiso Direct Insurance Inc., Privacy Policy

Privacy Policy

The information we (Reliant Direct) receive from you is used to provide you with a quote or application for insurance coverage. The insurance company uses the information to determine the insurability of each applicant. If you provide any personally identifying information to us, we want you to understand the following:

Why We Collect Your Information

We collect your information to prepare insurance quotes, to complete the application process online, to contact you during the application process, and to make possible offers to you related to insurance products and services.

How We Use Your Information

Your Choice: We may use information you provide on this website to provide insurance information to you, and we may provide the information to third parties whom we consider to be trustworthy with the intent that they provide insurance information to you. Both us, and the third parties, may use this information for the purpose of offering additional products and services to you. If you do not wish to receive offers for additional products or services, you should not provide personal information or contact information through this site. Also, if you do provide personal information or contact information, you may review Choices You Have Regarding Your Information below, which provides you with an opportunity to opt-out of receiving special offers from Reliant Direct (but not from the third parties with which we share your information).

Insurance Quote Form: Our site features a brief form you complete to view rates from various insurance companies. If you provide contact information such as your email or phone number, we view this as your express invitation that we contact you about insurance even if you are on the state or federal "Do not Call" list.

Insurance Application Request Form: Our Insurance Application Request Form allows you to request an application online for insurance coverage. This form collects additional contact, medical and lifestyle information that is required whenever you buy life insurance.

When you buy a policy through reliantdirect.net, we act as agent for the insurance company to which the application is sent. We provide customer information which you provide to us to the insurance company, as it may be required to process the application and service the policy, and we may use such information to offer other products or services to you, our customers.

How insurance carriers use your information: Eventually, we'll submit all information we gather during the application process to the insurance company you selected. Insurance companies use personally identifiable information to determine your final insurance eligibility and rates. Insurance underwriting criteria may vary for each participating insurance company, and each company may place different emphasis on different information on your application.

Cookies: A cookie is a small text file saved on your computer's hard drive and stored in memory while your browser is running. Cookies make it easier for a user to navigate the Web, and to complete transactions over the Internet. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Reliantdirect.net may contract with certain partners that utilize ad-serving technology. To gauge the effectiveness of advertisements, a campaign number is assigned to the vendor for which you came to visit our site. This will remain on your URL when you return to our site.

You may elect to disable cookies in your browser. Please refer to your computer or operating system user manual for information on how to disable cookies.

Third-Party Advertising and your ad choices: We use third party advertising companies on our site. Some of these advertisers may use technology such as cookies that collect information when they advertise on our site. Some of these companies may use this information (which does not include personally identifiable information such as your name or email address) about your visits to this site and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, you may visit one the advertising industry approved choice mechanisms at http://www.networkadvertising.org/choices/ or http://www.aboutads.info/choices/ and follow the instructions on how to opt-out. We timely respond to Web browser "do not track" signals or other mechanisms that consumers utilize to exercise choice regarding the collection of their personal information about their online activities over time.

How We Communicate With You

Contact by telephone to verify information and to assist you with your life insurance application request or policy.

Contact by email to verify information, to assist you with your life insurance application request or policy, to conduct surveys, and to provide you with additional insurance information, service announcements, special offers or other money saving opportunities.

Choices You Have Regarding Your Information

Quote Request and Application Request Forms: Your decision to provide personal contact or medical information is strictly voluntary and will not prevent you from receiving a quote for life insurance. You may call us TOLL FREE at 800-785-3112  x 101 or 102, and we will be happy to quote insurance rates and complete your application request by telephone.

If you elect to provide personal or contact information through this site, Reliant Direct may use or disclose the information you provide to trusted third parties, and Reliant Direct, or the third parties, may use the information to send relevant offers to you which we, or the third parties, believe would be of interest to you. If you wish to opt-out from receiving any offers from Reliant Direct, please visit this link Opt Out or send an email request to john@reliantdirect.net    Please note, that even if you select to Opt Out after providing your information through this site, third parties may still contact you. As such, if you do not wish to be contacted, do not provide any personal contact information through this site.

Email Notifications: Reliant Direct may use or disclose information gathered from the site in order for Reliant Direct or third parties to send relevant offers we believe would be of interest to you.

If you wish to opt-out from receiving offers from Reliant Direct, please send an email request to john@reliantdirect.net   and in the note section type in “opt out”.   Please note, that even if you select to Opt Out after providing your information through this site, third parties may still contact you and you must opt-out directly with those third parties. As such, if you do not wish to be contacted, do not provide any personal contact information through this site.

Information Release

Unless you give us permission to do so, or unless law requires us, we do not willfully use or disclose personally identifiable information to third parties for any purpose other than described above.

We have security provisions in place to protect your information; however, no security system is impenetrable. If you feel uncomfortable submitting any personal information through the reliantdirect.net website, you may call us at 800-785-3112  x 101 or 102, and obtain Free Life Insurance Quotes over the phone.

How to Change Your Information

If you have received a communication from us in error, or if you wish to change your information, please email us at john@reliantdirect.net. We'll respond to your inquiry via email, and we'll let you know the action we've taken.

Changes to Reliant Direct's Privacy Policy:

We reserve the right to change our privacy policy, and if so, we will post these changes to this privacy statement and to other relevant places on our site so that visitors are aware of the change. We encourage you to check this posted privacy statement for updates. When changes are made, we will post the last date on which the privacy policy was changed below. In addition, you may request the prior version of the privacy policy by emailing us at john@reliantdirect.net  and requesting the last version of the privacy policy prior to the most recent change.

Reliant Direct's Marketing Practices

Reliant Direct works with advertising companies and other marketers to promote our service. We take every possible step to ensure that every company advertising for us is doing so on a legal and ethical basis. We do not participate or tolerate any SPAM or unauthorized emailing of any kind. We have a ZERO tolerance policy for SPAM and unethical marketing practices. Before working with any advertiser we require that their email lists have all been generated by people opting in to receive offers and that they maintain an "Opt-Out"/"Remove List". If you believe that you have received one of our emails and you did not "Opt In" to receive offers then please forward the email to john@reliantdirect.net   and we will take action to resolve the matter.

If you ever have questions about our privacy policy, please email us at john@reliantdirect.net   Type in your question in the notes section.  We take your privacy very seriously.