Choosing is easy ... when choices are clear
Last revised September 18, 2009
Clarifinancial, Inc.
65 Glen Rd.
Suite 375
Garner, NC 27529
919-324-4125
inquire@clarifinancial.com
Clarifinancial is the only place where you can get custom life insurance quotes from multiple agents without any sales pressure. A little competition is good for you – as long as you are not in the middle. We do not do instant because customized, quality, stress free insurance quotes take care. Choosing is easy when choices are clear.
Helping you find the best choice for you is important. So is your privacy. We want you to know where we stand when it comes to protecting your information.
At Clarifinancial, your privacy is important. Unlike other online insurance services, we only share your contact information with the insurance agent you authorize. In most cases, this means only one agent contacts you through our service, and only after you know what that agent has to offer.
We understand you trust us with your private information to help insurance agents create personalized, competitive quotes for you. In exchange for your trust, we treat your information like it was our own. We understand and protect your right to privacy. Under no circumstances will Clarifinancial sell or share your contact information to or with any person or organization except: as authorized by you to participating agents or organizations, or as may be required by law or court order. The following privacy policy describes how we handle the information surrounding your life insurance quote request.
Clarifinancial is the only way to let multiple insurance agents compete for your business without you in the middle. Clarifinancial is not an insurance agency and does not provide insurance, insurance quotes, or personalized advice. Rather, Clarifinancial is a place that helps you find the insurance agent who is best suited to meet your needs. We are an informational intermediary. This means we can focus on you instead of selling something to you.
We get rid of the jargon and focus on what is important to you to reduce the confusion of buying life insurance. All agents registered with us and competing for you see the same information, so they compete on a level playing field without knowing who you are or how to contact you. This means greater objectivity and lower pressure, which increases your chances of making a wise, competitive choice without the hassle normally associated with shopping for insurance.
After you submit your life insurance quote request via our website, Clarifinancial immediately posts information about you in our registered agent database, but we do not post your name or contact details. Without knowing your identity or how to contact you, agents can create competitive quotes for you with greater objectivity. 48 hours later, you can choose your favorite quote. Only the agent you selected and authorized us to share this information with receives your contact information. Sometimes, no agents will submit quotes based on the details of your quote request. In this rare event, Clarifinancial will make available certain statistics with you, such as the number of agents who reviewed the details of your quote request, in order to help you form an opinion of insurance market availability.
Unlike other insurance matching services, we promise not to sell your identity or contact information to third parties you do not specifically authorize. We treat your information like it was our own.
Clarifinancial does not charge a fee to shop for insurance using our service. Clarifinancial is paid a fee by the insurance agent(s) you choose through our service.
Clarifinancial collects some personal information in each of our quote requests. We share some of this information with agents so they can generate customized and competitive quotes for you. We only share other information; such as your name, email address, and phone number; as you authorize.
We collect and track certain behavioral information to help improve your experience with us. We may also use behavioral information to store your preferences and make future visits to our site quicker for you.
If you decide to send us an email or contact us in any way, we may ask you for personal information such as your name, email address, or phone number. This information is not sold to any third parties. We may, however, share this information with outside sources in order to resolve any customer service issues you may experience.
We also gather other information to help registered agents create more accurate quotes for you. This information includes a general health overview, other risk factors such as hazardous sports or foreign travel, and any self-declared details. We also ask about your preferred importance of certain policy features. Not all information details are required to receive quotes from agents, but more relevant information tends to yield better and more accurate results.
Agents who use our web site will be asked to provide certain information before Clarifinancial allows them to see quote detail information or submit a quote through our service. This information includes name, email address, phone number. We do not share your identity or contact information with any outside parties except with those shoppers who authorize you to contact them. We also collect other information such as insurance companies represented and number of years selling insurance. We reserve this information for research purposes as explained later, and is kept separate from any personally identifiable information about the agent.
The Charitable Affiliate section of our web site contains preliminary information for people who might like to partner with us. If you request information as a Charitable Affiliate we will gather personal information such as name, postal address, phone number, and email. This information is used to contact you with information such as payment delivery notifications and affiliate communications. We never share this information with outside parties unless you submit a request in writing.
When you submit a life insurance quote request with Clarifinancial, we share your information with agents through a database they can access. This, in turn, allows them to submit a response to your quote request. We do not post any contact information or information about your specific identity on this database. Then you have a chance to review your customized quotes and choose your favorite. In doing so, you will be asked to authorize us to release your contact information to that agent. We will only share your contact information with the agent you choose, as authorized by you.
Clarifinancial uses technical information such web page statistics and cookies to study how our sites are used. By analyzing the data that cookies and web statistics provide, we can better determine how to improve our web sites and communications to better serve shoppers and agents.
Shortly after you request life insurance quotes through Clarifinancial, you will receive a confirmation email. This email includes your quote request username and password.
Throughout the quoting process, Clarifinancial may send you emails to keep you up to date about your life insurance quote. Afterwards, we may send other emails about nonprofits you may want to help through our Charitable Affiliate program or feedback surveys.
Immediately after submitting your life insurance quote request through Clarifinancial, you will receive no follow up calls or emails from agents who discovered you through Clarifinancial. If you also submitted similar quote requests through other services, you may expect phone calls and emails from agents who use their service. After 48 hours, you may choose your favorite quote and authorize us to share your contact information with the agent who supplied that quote. Only the insurance agent you authorize us to share your contact information with will receive it. In the event that your chosen agent does not want to pay the fee for our service, they will not receive your contact information, and Clarifinancial will ask you to choose and authorize another agent. These agents may contact you only as you authorize via the information you provide. If you do not choose and authorize an agent, then no agents will contact you through Clarifinancial’s service.
We would like to keep you up to date about changes at Clarifinancial, especially changes you or your friends might find useful. If we add a Charitable Affiliate you may want to support financially without giving away money, you may want to know about this opportunity. We may also include unique stories and ideas that add value to you and friends of yours who you want to share Clarifinancial with. You may receive these updates in the form of a newsletter from Clarifinancial to your email inbox. You can opt out of the newsletter at any time as described in the email.
Clarifinancial provides its website, other electronic communications, and information as a service to its users. The information and materials provided are for general information purposes and may not be relied on as a substitute for professional, legal, or tax advice. The views or opinions expressed by the authors as published by Clarifinancial do not necessarily reflect the views or opinions of Clarifinancial or its affiliates. This information does not create any legal relationship between Clarifinancial and any of its users. Neither the sending nor receiving of these materials will constitute a legal relationship between the sender and the receiver. Information is not guaranteed to be current, complete, or correct. Clarifinancial makes no warranty, expressed or implied, about the accuracy or reliability of the information contained in these communications. Clarifinancial reserves the right to change the information contained on its website or this privacy policy at any time without notice to you. Due to the ever-changing nature of the internet, Clarifinancial also assumes no responsibility for the content or accuracy of materials contained in external sites to which links are provided on this website or through other communications. Clarifinancial is a general and regular publication open to the public that does not sell or participate in the sale of any insurance products or offering specific or individualized advice and is therefore not required to be licensed or registered to give insurance or financial advice.
Clarifinancial email communications consist of confirmation and follow up emails and our newsletter. Once you are subscribed to these options and no longer wish to receive them, actions for unsubscribing will be contained in the communication in question. Alternatively, you may:
Please note that we can only unsubscribe the email address from which you send this email and we may not be aware of other email addresses which may still subscribed.
By choosing a quote found through Clarifinancial, you authorize the insurance agent who supplied that quote to contact you using the phone number and email address provided. In order stop these communications, you must contact the agents directly and request that they stop contacting you. If you do not wish any insurance agent to contact you, even the one who supplied your favorite quote, you have the option of not choosing a quote through Clarifinancial.
If you decide to authorize contact from an insurance agent you find through Clarifinancial, all further contact with that agent is not covered under this policy. You should thoroughly read the privacy policy of the agent you select in order to make sure that you are comfortable with their policy.
Clarifinancial is not an insurance agency and does not provide insurance in any way. After submitting your quote request through our website, Clarifinancial immediately posts certain information previously written to a database insurance agents can access. This process is automatic and instant; therefore, you do not have an opportunity to edit your original information after you have submitted it. We recommend you take care to review your information before submitting it. This will ensure more accurate and customized quote results for you.
Certain areas of Clarifinancial’s website, such as areas only available to our agent network, may have additional or different terms and conditions than those addressed in this policy. If you access any of these areas, you should consult the privacy policies posted in those areas.
We may, at our sole discretion, revise this policy at any time in a manner consistent with applicable laws without notice to you. When we revise this policy, we will incorporate revisions into this policy and revise the “last revised” date contained in this policy. We recommend you regularly visit this policy to remain informed about changes that we may implement.
By providing information about yourself, filling out forms, and answering questions on this and other pages, you acknowledge and agree that: