Updated: Jan. 24, 2015
Agreement to This Policy
Content on StructuredSettlements.com
We work hard to ensure the articles on StructuredSettlements.com are quality ones. We research all of our articles and quality-control them to make sure we have accurate facts. If you find errors on the site, feel free to contact us and let us know what you found.
We cannot control the content of sites linking to or from StructuredSettlements.com. As a result, we are not responsible for that content, nor can we make representations to the content of those websites or their individual privacy policies.
Your Computer Cookies
For better and faster service when you return to our website, cookies may be placed on your browser. A cookie is coded data that is stored on your hard drive, which enables us to understand your use of our website. With these tools, we can determine the number of unique users accessing the various pages on the site and improve flow and content for your future visits. A cookie cannot obtain information from your hard drive, destroy files, or transmit viruses. Each website can send its own cookie to your browser, if your browser’s preferences allow it. To protect your privacy, your browser normally only permits a website to access cookies that it has previously sent to you, but not the cookies sent to you by other sites.
Choices about Cookies
You can normally configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.) If you reject all cookies, you will still be able to use StructuredSettlements.com services. Cookies are used only as an option selected by you that allows us to recall your email address from the cookie that we sent to your computer.
Transfer of Ownership and Sales of Assets
In the event that StructuredSettlements.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred to the extent that you voluntarily provided it. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
We don’t tolerate spam or spyware coming to our website or going to our users through our website. If you suspect you received spam or spyware because of StructuredSettlements.com, please make us aware of the issue by alerting us with an email to webmaster@StructuredSettlements.com. You are not permitted to use our website to spam or send spyware to a third party.
Information Collection and Use
Any information we collect about you we get directly from you through forms you complete from our site, from documents or contracts you submit or from calls that you make to us. Information from our telephone conversations with you is also compiled.
With your authorization, we may obtain additional information from additional sources about you or others who may have an interest in your insurance policy, annuity contract or primary residence. Those sources can include insurance companies, insurance producers, health care providers, creditors, credit reporting agencies and your representatives or advisors. We may obtain information about you from public records and other persons but only with your consent.
When you request rate quotes or other information through StructuredSettlements.com, you authorize us to share your information with our business partners, affiliates or associates who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the business associates directly.
We may also obtain the following types of non-public, personal information about you:
- Personal information, such as your name, address, social security number, driver’s license number, occupation and employer
- Financial information, such as assets, income, credit history, banking information and account numbers
- Legal information, such as judgments, liens, bankruptcies, divorces, probate, and other civil and criminal court proceedings
- Other identifying information, such as birth date, telephone and fax numbers, and email, street, and mailing addresses
- Insurance or annuity policy information, including the policy terms, conditions and limits, the named beneficiaries, and your premiums and payment history
- Medical information, such as your current health status and prior health care treatments
Disclosure about Sharing Your Information
StructuredSettlements.com will not sell your non-public personal information to anyone. If required by law, we will disclose your information. Only with your permission will we disclose your non-public personal health information to our affiliates and non-affiliated companies that provide services for us related to a transaction you request.
Also with your authorization, we will disclose your nonpublic personal health information to entities that provide us with financing or financial support for a transaction that you request. As permitted by law and with your authorization, we may disclose your health information to allow our authorized representative to contact you for purposes of determining your current health status.
Sharing Regarding Services
Our business associates may contact you by phone, email or regular mail based on information you provided. This is true even if you opted into the national Do Not Call List administered by the Federal Trade Commission or if you opted into a state equivalent of the Federal Do Not Call List. If one of our business associates contacts you by phone and you do not wish to be called again by that business associate, you should follow the guidelines set up by the Do Not Call List and specifically request not to be called again. Please note that the business associates may maintain the information you provided even if you do not elect to use their services.
As permitted by law or with your authorization, we will share your non-public personal financial information (1) with our affiliates and non-affiliated companies that provide services for us related to a transaction you request and (2) under the following additional circumstances:
- To establish or exercise our legal rights or defend against legal claims: We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, or to protect the property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.), and to ensure the security of our network and services.
- In connection with a proposed or actual sale, merger, transfer, exchange or consolidation of any portion of our business: In the event StructuredSettlements.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred to the extent that you voluntarily provided it. You will be notified via e-mail and/or a prominent notice on our website for 30 days of any such change in ownership or control of your personal information.
- To secure services and advice from our attorneys, accountants and auditors.
As required or permitted by law, we may also disclose your nonpublic personal financial information for other purposes or to other persons with your authorization.
Confidentiality and Security
Any non-public personal information we receive about you has restricted access. Only employees who need to know your information to provide products or services have access to your information. We maintain physical, electronic and procedural safeguards, in accordance with applicable state and federal standards, to protect your personal financial information against risks such as loss, destruction or misuse. These measures include computer safeguards, secured files and buildings, and restrictions on who may access your personal information. In the event of a system compromise, StructuredSettlements.com will implement all reasonable measures to ensure the integrity of the website’s database is protected and ensure proper notice is provided under the law.
Your privacy and confidentiality are protected by non-affiliated companies to whom we disclose your nonpublic personal information. They do not have any independent right to use your information under privacy and confidentiality agreements.
The accuracy of your information is a responsibility of you and StructuredSettlements.com. We maintain the accuracy of the information you provide us and when you notify us of a change we will update your information. Please contact us at the address below or, for faster service, email us at webmaster@StructuredSettlements.com when information concerning you changes.
Data Storage/User Information
All StructuredSettlements.com account information (including names, phone numbers, and mailing addresses) and content of email messages are stored on multiple redundant disk storage systems. No removable offline copies or backups are made. If you request deletion of your email address or any other identifiable information, your information will be deactivated and removed from our user registration database within 30 days.
In reviewing the information above, please keep in mind StructuredSettlements.com cannot and does not assume any responsibility for any actions or omissions of third parties, including other website users, including the manner in which they might use information received either from StructuredSettlements.com or independently.
Specific Notice to California Residents
Residents of the State of California may request a list of all third parties to which this website has disclosed certain information during the preceding year for those third parties’ direct marketing purposes. If you are a California resident and want such a list, please contact us at webmaster@StructuredSettlements.com.
For all requests, you must put the statement “California Shine the Light Privacy Request” in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.
Specific Notice to Vermont Residents
We will not share any personal information about you with other businesses to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law. For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at webmaster@StructuredSettlements.com.
Specific Notice to Users Outside of the United States