This Website Privacy Policy (this “Policy”) describes how Viatical.org ( “we,” “our,” or “us”) collects, uses and shares information about you obtained through our website, Viatical.org. The protection of the your privacy of your non-public personal information is one of our highest priorities. Viatical.org is committed to preserving the security of consumer information and the following Notice describes our privacy and security policies and practices.

This notice does not apply to your relationship with other financial services providers such as insurance companies, annuity providers, insurance agents, brokers and producers and life or viatical settlement brokers or providers that are not affiliated with Viatical.org. Their privacy policies and information practices govern how they collect, use and disclose information about you.

The Type of Information We Collect

We collect personal information you submit to us through the Site. If you submit personal information through the Site, we may use and disclose it as described in our Privacy Policy.

IP Address

We may record your IP address when you use the Site. We use IP addresses for diagnostic and statistical purposes and to administer the Site.

Site Usage Information

We may collect information regarding Site traffic patterns and usage. This information is used to analyze and improve the Site.

Cookies

We may also use “cookies” to store your preferences in order to make your use of the Site more productive. Cookies are small files used by many websites that reside on your computer’s hard drive and store information about your use of a particular site. The cookies that are configured by the Site do not contain any personally identifying information, such as your name. We also use cookies to track the usage of our Site in order to enhance your use of the Site. If you do not accept cookies from the Site, you may not be able to access certain portions of the Site.
We may monitor how persons use our Site, including without limitation search terms entered, pages visited and documents viewed. This information may be stored with an IP address. Aggregated forms of this data may also be used in order to help us understand areas for future research and to identify future features and functions to develop for the Site.

Personal Information

We may collect the following personal information about you and your life insurance policies in the course of evaluating and qualifying life insurance policies and referring you to a licensed life settlement provider:

Information about your transactions with your life insurance company and/or Viatical.org, such as payment history, underwriting and claim information, your life insurance policy number, its face amount of insurance coverage, its issue date and the name of the life insurance company that has issued it;

Your age and sex Information, information about your transactions with non-affiliated third parties;
Information that we receive from consumer reporting agencies.

What We Do With the Information We Collect

Viatical.org is paid by the buyer for the service we provide and for the information we collect. The information we collect is used for the purpose of evaluating and qualifying life insurance policies and referring you to a licensed life settlement provider. We may disclose information about you to our affiliates and to non-affiliated brokers, licensed life settlement providers or other third parties in the course of our referring you to them evaluating and qualifying the respective life insurance policies, or as required or permitted by law.

Access To Your Information In Our Records

We use a system of safeguards which are designed to protect against unauthorized access to your nonpublic personal information contained in our records. These protections include appropriate physical, electronic, technological and procedural practices. Access to your information is restricted to only those individuals who we employ and believe reasonably need to know the information to evaluate or qualify life insurance policies and refer you to a licensed life settlement provider. We educate our employees about the terms of this Notice and the essential nature of confidentiality and consumer privacy.

Changes to This Notice

We reserve the right to modify or supplement our privacy policy at any time in accordance required or permitted with by applicable law. If we make material changes to our privacy policy, we will provide you with a copy of the post and the revised Notice by placing a prominent notice on our website.