2020

tennesseeannuityrates.com, Inc. (“tennesseeannuityrates.com”, “we” “us”, and “our”) is committed to safeguarding the privacy of our customers and visitors. This Privacy Policy describes the personal information we collect about you as a visitor to our website www.tennesseeannuityrates.com (the “Site” and together with other websites contained within the Site, the “Sites”) how we use it, with whom we share it, and describes your choices regarding certain types of processing. If you have any questions regarding this Privacy Statement, contact service@nannuityrates.wpengine.com or see the “Contact Us” section later in this statement.

By visiting the Site or providing us with your personal information, you consent to the collection, processing, and storage of your personal information as described in this Privacy Statement.

Information Collected

tennesseeannuityrates.com collects, processes, and retains information about you when you visit our Site. You may choose to provide us with information, such as your name, email address, company information, street address, telephone number, or other information, to access protected information on our Sites or so we can follow up with you after your visit. We may combine other publicly available information related to the organization from which you work for with the information that you provide to us. tennesseeannuityrates.com or tennesseeannuityrates.com service providers may observe your activities, interactions, preferences, transactional information, and other computer and connection information (such as IP address) relating to your use of our Sites and our services. We may also use log files, cookies and similar technologies to collect information about the pages you view, links you click on, and other actions you may take when accessing our Sites, services, or emails. For more information about our use of these technologies and how to control them, see our Cookies and Similar Technologies section below. We may collect and store this information and combine this information with other personal information you may have provided.

Customer Data

tennesseeannuityrates.com does not share or distribute any customer data except as may be provided in the contractual agreement between tennesseeannuityrates.com and customer, or as may be required by law.

Children

The Site contains business-related content specifically designed for use by adults. We do not knowingly solicit or collect personal information from or about individuals under the age permitted in the country where a tennesseeannuityrates.com customer resides.

Use of Your Information

tennesseeannuityrates.com uses the information we collect about you to:

Provide you with access to the tennesseeannuityrates.com Site and any support you may request;
Respond to your inquiries or fulfill your requests;
Diagnose website technical problems;
Send you information that we believe may be of interest to you, such as product announcements, newsletters, educational materials, and upcoming events;
Send you administrative information such as notices related to product, service, or policy changes;
Understand how our tennesseeannuityrates.com Site and services are being used;
Personalize your experience on our tennesseeannuityrates.com Sites and present products or features that are tailored to your interests;
Prevent, detect, mitigate, and investigate fraudulent or illegal activity; and
As described to you when we collect the information.

Disclosure of Information

tennesseeannuityrates.com does not share, sell, rent, or trade personal information collected through its tennesseeannuityrates.com Site with third parties for their sole promotional purposes or as otherwise outlined in this Privacy Statement. tennesseeannuityrates.com may share information with third-party service providers contracted to provide services on our behalf. These third-party service providers may only use the information we provide to them as requested and instructed by tennesseeannuityrates.com. tennesseeannuityrates.com may share information with third parties who resell the tennesseeannuityrates.com service and/or provide value added services.

tennesseeannuityrates.com may offer solely or jointly with third parties, webinars, white paper downloads, or other services related to tennesseeannuityrates.com offerings or services. We may share your contact information and product interest in these offering or services with third parties to communicate with you.

tennesseeannuityrates.com may disclose information in special cases when we have a good faith belief that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect and defend our rights or property; (c) enforce the website Terms of Supply or Terms of Use; (d) act to protect the interests of our users or others, or (e) in connection with a business transition, such as a merger, acquisition by another company, or sale of all or a portion of tennesseeannuityrates.com’s assets.

tennesseeannuityrates.com also may share aggregated or anonymized information with third parties, including advertisers, investors, and partners. Aggregate or anonymized information does not contain any information that can be used to directly identify you and its use and disclosure is not subject to the terms of this Privacy Statement.

International Transfers of Your Information

tennesseeannuityrates.com operates the Site in the United States. Depending on your country of residence, the submission of information to our tennesseeannuityrates.com Sites may involve the transfer of such information to the United States. When you provide personal information to tennesseeannuityrates.com, you consent to the processing and transfer of your information within Canada. Personal information collected by tennesseeannuityrates.com may be stored and processed in the United States or in any other country where tennesseeannuityrates.com or its affiliates, subsidiaries or third-party service providers maintain facilities. Privacy laws in these countries may not provide protections equivalent to those of your country of residence.

The European Union (“EU”) General Data Protection Regulation (Article 44) stipulates that a transfer of personal data to a country outside the EU may take place where the European Commission has decided that the country in question ensures an adequate level of protection and such transfers do not require any specific authorization. The European Commission has the power to determine, on the basis of Article 45 of Regulation (EU) 2016/679 whether a country outside the EU offers an adequate level of data protection, whether by its domestic legislation or of the international commitments it has entered into. The European Commission has recognized that Canada is providing adequate protection. Directive 95/46/EC of the European Parliament the European Commission confirmed that Canada’s Personal Information Protection and Electronic Documents Act provides adequate protection of the personal data of European citizens. See European Commission’s data protection website for confirmation.

Cookies and Similar Technologies

Cookies are small text files that our tennesseeannuityrates.com Sites ask to place on your computer’s hard drive. If your browser is set to accept cookies, then your browser adds the text in a small file. We do not use cookies to read any other information on your computer’s hard drive. We use cookie technology to authenticate your access to various areas of our tennesseeannuityrates.com Site, understand your interests, help analyze web traffic, and tailor content to your preferences. You can configure your browser to refuse cookies, or to warn you before a cookie is placed. If you disable cookies, some parts of our Sites may not function properly or at all.

We, and our third-party partners use these technologies to provide certain features on our website, to display advertising based on your web browsing activities, and/or to store content information and preferences. Various browsers may offer their own management tools for removing these technologies.

Choices About Use of Your Information

We believe that it is important to give you choices about the use of your information. We will use your information as described in this Privacy Statement or any service-specific data protection notice. If we want to use your information for a purpose not described in this Policy, we will obtain your consent first.

We will respect your wishes not to receive, or to stop receiving, marketing communications. You can change your marketing preferences by contacting us as described below. If you provided us with your email address in order to receive such communications, you can opt out at any time by using the unsubscribe links or instructions at the bottom of our emails. Please note that we will continue to send you service-related communications regardless of any such request. We will not share or sell your information and personal details with third parties (for the avoidance of doubt, other than subsidiaries and/or affiliates) for their own promotional or marketing purposes unless you give us consent to do so and where permitted by applicable law.

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Without a common industry or legal standard for interpreting DNT signals, tennesseeannuityrates.com does not respond to browser DNT signals. We will continue to monitor further development of a DNT standard by the privacy community and industry.

Online Advertising

Some online advertising uses information collected about your web browsings behavior such as the pages you have visited or the searches you have made. This information may be used to display more relevant advertisements and content to you on the tennesseeannuityrates.com website and non-tennesseeannuityrates.com websites. The information collected is linked to an anonymous cookie ID (alphanumeric number); it does not include any information that could be linked back to a particular person, such as their name, address or credit card number. The information used for targeted advertising may come from tennesseeannuityrates.com or through third-party ad networks.

Third-Party Websites

The tennesseeannuityrates.com Site contains links to other sites that tennesseeannuityrates.com does not own or control and whose privacy practices may differ from those of tennesseeannuityrates.com. Please be aware that tennesseeannuityrates.com is not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our tennesseeannuityrates.com Sites. We recommend that you read the privacy statement of each website that collects personal information, as their privacy statement will govern any personal information you submit to those sites. This Privacy Statement applies only to information collected by the tennesseeannuityrates.com Site.

Testimonials

We post customer testimonials on our Site that may contain personal information such as the customer’s name. We obtain the customer’s consent prior to posting the testimonial to post their name along with their testimonial. If you wish to request the removal of your testimonial, contact us at privacy@nannuityrates.wpengine.com.

Social Media Features and Widgets

Our Sites may include social media features, such as YouTube videos, the Facebook Like button, and widgets such as the Share this button or interactive mini-programs that run on our tennesseeannuityrates.com Site. These features may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our tennesseeannuityrates.com Site. Your interactions with these features are governed by the privacy statement of the company providing it.

Security

tennesseeannuityrates.com employs industry-standard security measures to ensure the security of information. However, the security of information transmitted through the Internet can never be guaranteed. tennesseeannuityrates.com is not responsible for any interception or interruption of any communications through the Internet or for changes to or losses of information. Users of the tennesseeannuityrates.com Site are responsible for maintaining the security of any password, user ID, or other form of authentication involved in obtaining access to password protected or secure areas of any tennesseeannuityrates.com Site. In order to protect you and your information, tennesseeannuityrates.com may suspend your use of a website, without notice, pending an investigation, if any breach of security is suspected. Access to and use of password protected and/or secure area of any tennesseeannuityrates.com site is restricted to authorized users only. Unauthorized access to such areas is prohibited and may lead to criminal prosecution.

Opt-Out

If at any time after registering for information, your personal information changes or you change your mind about receiving information from us, send us a request specifying updated information or your new choice. Simply send your request to service@nannuityrates.wpengine.com or postal mail at the contact information listed below. Use the same email address if you do not wish to receive our newsletters.

Contact Us

if you have any questions regarding our Privacy Statement or if you need to update, change or remove information, you can do so by contacting service@tennesseeannuityrates.

tennesseeannuityrates.com

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us via the information above. We will respond to your request to access or delete your information within 30 days. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

If you have any privacy or data use concerns that we have not addressed satisfactorily, please contact our Privacy Officer at the email or mailing addresses set out above under Contact Us.

Changes to this Privacy Statement

We reserve the right to change or update this Privacy Statement at any time. Changes to the Privacy Statement will be posted on this website and links to the Privacy Statement will indicate that the statement has been changed or updated. We encourage you to periodically review this Privacy Statement for any changes. Your continued use of our Sites following such posts or notices will signal your acceptance of such changes.

Last Updated: June 4, 2020

HOW GOOGLE USES INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES

Many websites and apps use Google services to improve their content and keep it free. When they integrate our services, these sites and apps share information with Google.

For example, when you visit a website that uses advertising services like AdSense, including analytics tools like Google Analytics, or embeds video content from YouTube, your web browser automatically sends certain information to Google. This includes the URL of the page you’re visiting and your IP address. We may also set cookies on your browser or read cookies that are already there. Apps that use Google advertising services also share information with Google, such as the name of the app and a unique identifier for advertising.

Google uses the information shared by sites and apps to deliver our services, maintain and improve them, develop new services, measure the effectiveness of advertising, protect against fraud and abuse, and personalize content and ads you see on Google and on our partners’ sites and apps. See our Privacy Policy to learn more about how we process data for each of these purposes and our Advertising page for more about Google ads, how your information is used in the context of advertising, and how long Google stores this information.

Our Privacy Policy explains the legal grounds Google relies upon to process your information — for example, we may process your information with your consent or to pursue legitimate interests such as providing, maintaining and improving our services to meet the needs of our users.

Sometimes, when processing information shared with us by sites and apps, those sites and apps will ask for your consent before allowing Google to process your information. For example, a banner may appear on a site asking for consent for Google to process the information that site collects. When that happens, we will respect the purposes described in the consent you give to the site or app, rather than the legal grounds described in the Google Privacy Policy. If you want to change or withdraw your consent, you should visit the site or app in question to do so.

Ad personalization

If ad personalization is turned on, Google will use your information to make your ads more useful for you. For example, a website that sells mountain bikes might use Google’s ad services. After you visit that site, you could see an ad for mountain bikes on a different site that shows ads served by Google.

If ad personalization is off, Google will not collect or use your information to create an ad profile or personalize the ads Google shows to you. You will still see ads, but they may not be as useful. Ads may still be based on the topic of the website or app you’re looking at, your current search terms, or on your general location, but not on your interests, search history, or browsing history. Your information can still be used for the other purposes mentioned above, such as to measure the effectiveness of advertising and protect against fraud and abuse.

When you interact with a website or app that uses Google services, you may be asked to choose whether you want to see personalized ads from ad providers, including Google. Regardless of your choice, Google will not personalize the ads you see if your ad personalization setting is off or your account is ineligible for personalized ads.

You can see and control what information we use to show you ads by visiting your ad settings.

How you can control the information collected by Google on these sites and apps

Here are some of the ways you can control the information that is shared by your device when you visit or interact with sites and apps that use Google services:

Ad Settings helps you control ads you see on Google services (such as Google Search or YouTube), or on non-Google websites and apps that use Google ad services. You can also learn how ads are personalized, opt out of ad personalization, and block specific advertisers.
If you are signed in to your Google Account, and depending on your Account settings, My Activity allows you to review and control data that’s created when you use Google services, including the information we collect from the sites and apps you have visited. You can browse by date and by topic, and delete part or all of your activity.
Many websites and apps use Google Analytics to understand how visitors engage with their sites or apps. If you don’t want Analytics to be used in your browser, you can install the Google Analytics browser add-on. Learn more about Google Analytics and privacy.
Incognito mode in Chrome allows you to browse the web without recording webpages and files in your browser or Account history (unless you choose to sign in). Cookies are deleted after you’ve closed all of your incognito windows and tabs, and your bookmarks and settings are stored until you delete them. Learn more about cookies.
Many browsers, including Chrome, allow you to block third-party cookies. You can also clear any existing cookies from within your browser. Learn more about managing cookies in Chrome.

2013

This Privacy Policy is provided by https://tennesseeannuityrates.com (“the Company”), on behalf of itself and certain of the various companies that it owns.

Your privacy is important to us. In this Privacy Policy, we explain what personal information we collect, and how we protect it.

In Section I, the Company provides a Financial Privacy Statement. This Financial Privacy Statement applies to all customer information we obtain.

In Section II, the Company explains some Additional Protections for Confidential Health and Medical Information. Some members of the Company PT may collect confidential health and medical information in connection with requested transactions. If you are asked for non-public personal health information, you will be provided a separate disclosure explaining how that information will be protected and used.

In Section III, the Company provides a Website Privacy Statement, which describes the information we collect when you visit or use our website.

Lastly, in Section IV, we list the companies to which this Privacy Policy applies.

If you have questions about this Privacy Policy, or if you wish to correct any information that you have previously provided, please contact us at:

Customer Service – Privacy Coordinator – Legal Department

https://tennesseeannuityrates.com

The date of this policy is August 15, 2013.

SECTION I: FINANCIAL PRIVACY STATEMENT

Why is this notice provided?

Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. Please note that additional protections apply to confidential health and medical information submitted. These additional protections are described in separate disclosures to be provided at the time of collection. See Section II, below.

What types of personal information do you collect and share?

The types of personal information we collect and share depend on the transaction(s) you have with us. This information can include:

Social Security number;
Structured settlement balances;
Transaction history;
Contact information (e.g.: name, address, telephone number(s), email);
Credit history;
Information contained in public records;
Or any other information and documents you provide to us or authorize us to obtain.

How will my personal information be shared?

Most companies need to share personal information to run their everyday business. In the section below, we list the reasons the Company can share your personal information; the reasons the Company chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does the Company Reserve The Right To Share?	Can You Limit This Sharing?
For our everyday business purposes— such as to process your transactions with us or our Affiliates, to fund or audit your transactions, to maintain/service your transaction(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our transactions to you	Yes	No
For joint marketing with other companies	Yes	No
Reasons We Can Share Your Personal Information (continued)	Does the Company Reserve The Right To Share?	Can You Limit This Sharing?
For our Affiliates’ everyday business purposes—information about your transactions and experiences	Yes	No
For our Affiliates’ everyday business purposes—information about your creditworthiness	Yes	Yes
For our Affiliates to market to you	Yes	Yes
For Non-affiliates to market to you	Yes	Yes

Your personal information may also be shared:

To establish or exercise our legal rights or defend against legal claims;
In connection with a proposed or actual sale, merger, transfer, exchange or consolidation of any portion of our business;
To comply with legal process; or
To secure services and advice from our attorneys, accountants and auditors.

We may also share or disclose your non-public personal information (as described above) with Non-affiliated companies as described below:

As allowed by law, as necessary to effect, process, administer, service or enforce a transaction you have requested.
To such firms that perform services on our behalf including, without limitation, auditing, consulting, product administration and marketing.
To respond to a subpoena, to prevent fraud, or to comply with an inquiry by a government agency.
To such firms that assist us in processing, funding and completing the transaction you have requested and/or who may assist us or attempt to assist us to re-finance or sell/resell the transactions that are completed by us.
Health Information Practices – We will not share your health information with third parties for marketing purposes without your consent.
How can I limit the sharing of my information?
Contact us: https://tennesseeannuityrates.com

If we have no prior relationship with you, we can begin sharing your information 30 days from the date we send you this notice by mail. When you are no longer our customer, we will continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Direct marketing is email, postal mail and telephone marketing. Your opt-out choices will last until you cancel them in writing or electronically, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your transaction or as otherwise allowed by law.

Companies owned by the Company may choose not to share personal information with Affiliates or Non-affiliates, even if that sharing is generally allowed.

Who is providing this notice?
This notice is provided by the Company.

How does the Company protect my personal information from unauthorized access and use?
To protect your personal information from unauthorized access and use, we use administrative, physical, and technical security measures. These measures include computer safeguards and secured files and buildings.

How does the Company collect my personal information?
We collect your personal information, for example, when you:

Request information;
Submit an application;
Give us your contact information;
Or otherwise provide information to us or authorize us to obtain it.

Why can’t I limit all sharing?
Federal law gives you the right to limit only:

sharing for Affiliates’ everyday business purposes—information about your creditworthiness;
Affiliates from using your information to market to you; and
sharing for Non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit information sharing relating to a transaction I completed where there was another individual (e.g. another seller) involved?

Your choices will apply to all transactions that you have completed where there was with another customer also involved and will apply to their information as well.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our Affiliates include companies that acquire assets such as structured settlement payment streams and lottery payment streams, or offer other asset-backed transactions. Every company in that family is an Affiliate of every other company in that family. If you establish a relationship with one company on that list, every other company on that list will be considered an Affiliate.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint marketing

A formal agreement between Non-affiliated companies that together market transactions to you.

Is there anything else I should know?

Nevada: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the section above entitled, “How can I limit the sharing of my information?”. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email: BCPINFO@ag.state.nv.us. https://tennesseeannuityrates.com

Vermont: In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, such as with your consent, to service or audit or fund your transactions or with financial institutions (or other companies) with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

California:The Company has a policy of not disclosing personal information of customers to third parties for the third parties’ direct marketing purposes if the customer has exercised an option that prevents that information from being disclosed to third parties for those purposes. You may exercise such an option by following the directions of this Privacy Policy. In accordance with California law, we will not share information we collect about you with companies outside of the Company, unless the law allows. For example, we may share information with your consent, to service or audit or fund your transactions, or to provide benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

SECTION II: ADDITIONAL PROTECTIONS FOR CONFIDENTIAL HEALTH AND MEDICAL INFORMATION

We sometimes must collect confidential health and medical information in connection with a transaction you have requested.

If you are asked for confidential health and medical information, you will be provided a separate disclosure explaining in more detail how that information will be protected and used. That separate disclosure will comply with all applicable legal requirements imposed on the collection of confidential health and medical information.

We do not use or share confidential health and medical information internally or externally, for any purpose except the following:

to process your transaction(s);
maintain/service your transactions(s);
respond to court orders and legal investigations;
assist you in selling an insurance policy;
administer any such policy, or claim(s) relating thereto;
with non-affiliated funders, investors, lenders or their respective attorneys or other representatives who are assisting us in processing, funding and completing the transaction you have requested and/or who may assist us or attempt to assist us to re-finance or sell/resell the transactions that are completed by us or report to credit bureaus, or
as you otherwise authorize via your prior, express, written consent.

We will not share your health information with third parties for marketing purposes without your prior, express, written consent.

SECTION III: WEBSITE PRIVACY STATEMENT

When you visit or browse our website, we and our advertising, marketing, or service partners may collect information such as your Internet Protocol or “IP” address, the “URL” of the web pages you visit, and may use “cookies,” web beacons, or other objects to collect statistical and other information about your use of the our website and other websites. The purpose of collecting this information is to improve the effectiveness of our website and to conduct targeted advertising or marketing. The collected information may include, for example, the web pages you visited; the date and time of your visit; the websites you visited immediately before and after visiting our website; your language preference; demographic information; the kind of browser you use; and the popularity of various advertising words and phrases used by us. The collection of this information allows for the compilation of aggregate and anonymous information about the usage of our website and other websites.

Furthermore, our website also uses one or more media-players in order to deliver video content. Accordingly, the site may place a local shared object or “flash cookie” on your computer in order to enhance the functionality of such media-players and to remember personalized settings.

Your web browser should allow you to manage cookies and you can manage your Flash cookies by visiting http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html. “Flash” is a registered trademark of Adobe Systems Incorporated.

We define children as individuals under the age of 16. Our website is not intended for the use of children and we do not knowingly solicit or collect information from children.