We use the model privacy policy developed by TRUSTe to ensure that we protect your private information. Here are the items we would like to describe in this policy:

1.   What personally identifiable information we collect

2.   Who we are

3.   How we use your information

4.   With whom we may share your information

5.   What choices do you have regarding the collection, use and distribution of your information

6.   What security procedures do we use to protect the loss, misuse or alteration of your information

7.   What you can do to correct any inaccuracies in your information.

Please contact us if you have any questions or concerns regarding the use of our Privacy Policy. You should email us at info@budgetrates.com, or mail us at:

Budget Rates
1632 Catalina Drive
Holt, MI 48842

 
The Information That We Collect and Use

We collect your information for our own use, and the use of our customer agents, so that we and they may respond to your submitted requests.  We will not sell, share, or rent this information to others in ways different from what we state here.  Here is where we collect your information:
 

Life Insurance Quote Requests
When you submit a request for quotes from a life insurance agent, you give your contact information, date of birth, gender and optionally any additional health information.  We pass this information to the agent assigned to your case, so that he or she can provide the quotes that you requested.   

 
Life Insurance Agent Specials
If you are an insurance agent, and you submit a request for our special offers, you give your contact information so that we can contact you to fulfill your request.  

 
Contact Request
If you fill out our contact form, you give us your contact information so that we can contact you to answer your question.  

Use of Cookies
A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive.  Google, as a third party vendor, uses cookies to serve ads on our site. Google may use information (not including personally identifiable information) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. You may opt out of this cookie by visiting the Google privacy policy page.

Log Files
We use Internet industry standard practices using IP addresses to track visits, analyze trends, and gather broad demographic information for aggregate use.  IP addresses are not linked to personally identifiable information.

Links
This web site contains links to other sites. We are not responsible for the privacy practices of such other sites.  We encourage you to read the privacy statements of these web sites.  This privacy statement applies solely to information collected by this Web site.

Security
We use commercially feasible precautions to protect your information. When you submit sensitive information (such as age, gender or health information), we encrypt that information using industry standard SSL (Secure Sockets Layer) software.  You can identify a secure page, such as our Life Insurance Request form, by right-clicking anywhere on the page and then selecting "Properties". You will see that the connection is with RC4 with 128 bit encryption, and that the address (URL) begins with "https". Both of these mean that your data is encrypted by your computer before it is sent across the Internet to our server. If you have any questions about our security practices, please send us an email at info@budgetrates.com.

How You Can Correct or Update Your Personal Information
Contact Customer Service at info@budgetrates.com, or mail us at:

Your Choice to Opt Out
If you do not want your information to be shared, you should not fill out our request form. You may still use all of the other services provided at our website, including a rate quote that does not require you to submit personally identifiable information.

Changes to Our Privacy Policy
If we decide to change our privacy policy, we will post those changes at our website. We will not use personally identifiable information in a manner different from that stated at the time we collected it.