Value My Life Policy

Privacy Policy

  1. Definitions and interpretation
  2. What does this policy cover?
  3. Data collected
  4. Our use of Data
  5. Your Data and Your rights
  6. Users' right to withdraw consent
  7. Your right to withhold information
  8. Accessing and controlling Your own Data
  9. Third Party websites and services
  10. Changes of business ownership and control
  11. Security
  12. Cookies and Web Beacons
  13. Contacting Us
  14. Changes to this Privacy Policy

1. Definitions and interpretation

In this Privacy Policy the following terms shall have the following meanings:

"Account"

collectively, the personal information, payment information and credentials used by Users to access material and/or any communications System on the Website or provided to Us for communication with You.

“ValueMyLifePolicy”

ValueMyLifePolicy.com is owned by FROS, LP (“FROSLP”), an entity registered in Delaware with file number 5776152.

ValueMyLifePolicy ("VMLP") respects your privacy. References in this Privacy Policy to “VMLP”, “FROSLP”, “We”, “Us”, and “Our” are references to the entity responsible for the processing of your personal information, which generally is the entity that obtains your personal information.

"Cookie"/ "Cookies"

a small text file placed on Your computer when You visit certain parts of this Website. This allows Us to identify recurring visitors from new visitors and to analyze their browsing habits within the Website. Where e-commerce facilities are provided, cookies may be used to store Your shopping basket. Further details are contained in Clause 12 of this Privacy Policy.

"Personal Data"/"Data"

Means all information that You submit and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that You give to Us via Our Website. This includes, but is not limited to, Account details and information submitted using any of Our Services or Systems.

"Service"/"Services"

collectively, any online facilities, tools, services or information that We make available through the Website either now or in the future.

"System"/"Systems"

any online communications infrastructure that We make available through the Website either now or in the future. This includes, but is not limited to, web-based portals, email, message boards, live chat facilities, subscription or submission forms and email links.

"Third Party"/"Third Parties"

any person or entity which is not an employee or member of FROSLP, or its affiliates or its subsidiaries.

"User"/"Users"/ "You"/("Your")

any Third Party that accesses the Website and is not employed by FROSLP, or its affiliates or its subsidiaries.

"We"/"Our"/"Us"

refers to FROSLP.

"Web Beacon"

a small transparent image file (usually only 1-pixel x 1-pixel in size) which is used for tracking behavior and activity in emails that We may send You from time to time.

"Website"

ValueMyLifePolicy.com and any sub-domains of this Website unless expressly excluded by their own terms and conditions.

We respect the right to privacy of every individual who visits or uses Our websites, mobile websites, any of Our apps or portals, or who otherwise communicates with Us, uses Our products or receives services from Us. This privacy policy explains how We use any personal information We collect from You and Your rights in connection with that Personal Data.

2. What Does This Policy Cover?”

This Privacy Policy applies as between You and FROSLP, the owner and provider of this Website. This Privacy Policy applies to Our use of Data collected by Us in relation to Your use of Our Websites and any Services or Systems therein and any Data collected by Us from You via any of the following services:

  • Any of Our Websites that link to this Privacy Policy
  • Any of Our social media platforms
  • Any of Our mobile Apps
  • Any Data provided by You to Us by telephone, SMS, email or in any other form of correspondence, or in person.
This Privacy Policy does not extend to any websites that are linked to from Our Website (whether We provide those links or whether they are shared by other users). We have no control over how Your Data is collected, stored or used by other websites and We advise You to check the privacy policies of any such websites before providing any Data to them.

3. Data collected

3.1. Data collected includes, without limitation, any information we receive from You on applications or other forms, such as Your name, date of birth, email address, telephone number, address, gender, social security number, health status, occupation, assets, income, and beneficiaries. Information about your transactions with Us, Our affiliates or others, such as Your policy coverage, premiums, and payment history. Additionally, any of the following Data may also be collected:

3.1.1. IP address (automatically collected);
3.1.2. web browser type and version (automatically collected);
3.1.3. operating system (automatically collected);
3.1.4. a list of URLs starting with a referring website, Your activity on this Website, and the website You exit to (automatically collected);
3.1.5. email client;
3.1.6. computer or device information; and
3.1.7. Cookie information (see Clause 12 below).

3.2. We do not collect or store any credit card details.

3.3. We do not disclose personal information to third parties, unless one of the following limited exceptions applies:

We may disclose Personal information such as account and transaction data to companies, including financial institutions, that contract with Us, to execute transactions, or otherwise act in a custodial capacity. We have contracts with these companies that obligate them to use your Personal information only for the purpose of executing the specific services We have requested.

We may disclose nonpublic information about You to the following types of third parties:

Financial service providers, such as life settlements providers, financing entities, life insurers, securities broker-dealers, and their life insurance agents, life settlement agent/brokers, and registered representatives. We may disclose Personal Data to companies that help Us process or service your transactions (e.g. order medical records) or account(s). We have contracts with these companies that obligate them to use Your Personal information only for the purpose of executing the specific services We have requested.

We may disclose or report Personal Data in limited circumstances where we believe, in good faith, that disclosure is required by law or legal process, for example, to cooperate with regulators, court orders, or law enforcement authorities to resolve consumer disputes, and to perform credit/authentication checks.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We do collect personal information in the normal course of business in order to administer Your accounts and to serve You better.

4. Our use of Data
4.1. By submitting Your Data, You are authorizing Us to hold such Data for, at least, the lifetime of the Insured in order to allow Us to monitor Our results and their accuracy or for such other maximum period as allowed by law.

4.2. If You have not used Your account or there has not been any communication between Us and You in the last year then Your Data or account may be classed as dormant. In these cases We may contact You to update Your preferences or Your account may be deleted in line with this Privacy Policy.

4.3. All Personal Data is processed and stored securely. For more details on security, see Clause 11 below.

4.4. Unless We are obliged or permitted by law to do so, and subject to Clause 9 of this Privacy Policy, Your Data will not be disclosed to Third Parties.

4.5. Our use of Your Personal Data will always have a lawful basis, either because it is necessary for Our performance of a contract with You, or because You have consented to Our use of Your Personal Data, or because it is in Our legitimate interests. Specifically, We may use Your Data for the following purposes:
4.5.1. Internal record keeping;
4.5.2. Providing and managing your Account and Our Services to You;
4.5.3. Providing and managing Your access to Our Website;
4.5.4. Analyzing Your use of Our Website which may include gathering feedback to enable Us to continually improve Our Website and Your user experience;
4.5.5. Personalizing, tailoring and improving Our Services for You;
4.5.6. Replying to emails from You;
4.5.7. Contact for market research purposes which may be done using email, telephone, fax or mail. Such information may be used to customize or update the Website. No automated decisions are made based on Data which is provided by Users of Our Website.
4.5.8. Individual end-user tracking and data sharing with Third Parties for advertising and marketing purposes, including the use of remarketing and retargeting such as display adverts on websites across the internet; and
4.5.9. With Your permission and/or where permitted by law, We may also use Your Data for marketing purposes which may include contacting You by email and/or telephone and/or text message and/or post with information, news and offers on Our other products and/or services, and the transmission of materials including promotional materials. We will not, however, send You any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect Your rights. You may unsubscribe or opt-out at any time by clicking the Unsubscribe link on the bottom of any marketing emails.

5. Your Data and Your rights
5.1. As a Data subject, depending on the laws of Your jurisdiction, you may have the following rights:
5.1.1. The right to be informed about Our collection and use of personal data;
5.1.2. The right of access to the Personal Data We hold about You (see Clause 8);
5.1.3. The right to rectification if any Personal Data We hold about You is inaccurate or incomplete (please contact Us using the details in Clause 8);
5.1.4. The right of erasure – i.e. the right to ask Us to delete any Personal Data We hold about You on certain grounds and within 30 days.
5.1.5. The right to restrict (i.e. prevent) the processing of Your Personal Data;
5.1.6. The right to Data portability (obtaining a copy of your Personal Data to re-use with another service or organization); and
5.1.7. The right to object to Us using Your Personal Data for particular purposes.

5.2. If You have any cause for complaint about Our use of Your Personal Data, please contact Us using the details provided in Clause 8 and We will do Our best to solve the problem for You.

6. Users’ right to withdraw consent

You can withdraw consent to Us processing Your Data at any time. You may withdraw consent by emailing Us at contact@ValueMyLifePolicy.com.

Any withdrawal of consent must be in written format.

7. Your right to withhold information
7.1. You may restrict Your web browser’s use of Cookies. For more information, please refer to Clause 12 of this Privacy Policy.

8. Accessing and controlling Your own Data
8.1. You have the right to ask for a copy of any of your Personal Data held by Us (where such Data is held). To request a copy of your Personal Data please email Us at contact@ValueMyLifePolicy.com. In order to protect Your Data, We will require two copies of forms of identification, which can be:
  • Passport
  • Driver's licence
  • Birth Certification
  • Utility bill (from last 3 months)
  • Bank statement (from last 3 months)
8.2. Where applicable You may access Your Account at any time to view or amend the Data. You may need to modify or update Your Data if Your circumstances change. Additional Data as to Your marketing preferences may also be stored and You may change this at any time by contacting Us.

9. Third Party websites and services
We work with Third Parties to collect User Data via our Website for the purposes of conversion tracking and serving adverts targeted to Users’ interests and behavior. For more information on interest-based advertising and how to opt out, visit www.aboutads.info/choices/. We may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment handling. The providers of such services have access to certain Data provided by Users of this Website. Any Data used by such parties is used only to the extent required by them to perform the services that We request. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by Third Parties must be processed within the terms of this Privacy Policy.

10. Changes of business ownership and control
10.1. We may, from time to time, expand or reduce Our business and this may involve the sale or the transfer of control of certain divisions to other parties. Data provided by Users will, where it is relevant to any division so transferred, be transferred along with that division and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use the Data for the purposes for which it was supplied by You.
10.2. In the event that any Data submitted by You is transferred in such a manner, You will not be contacted in advance and informed of the changes.

11. Security
Data security is of great importance to Us and to protect Your Data, We have made all reasonable efforts to put in place suitable physical, electronic and managerial procedures to safeguard and secure Data.

12. Cookies and Web Beacons
12.1. Use of this Website may result in Cookies being placed and accessed on Your computer. We have carefully chosen these Cookies and use them to facilitate certain functions and features of the Website. We also use Cookies for analytical purposes. These Cookies track Your movements and activities on the Website and are designed to give us a better understanding of Our Users, thus enabling Us to improve the Website and Our Services.

First-Party Cookies are those placed directly by Us and are used only by Us. Third-Party Cookies are those placed by websites, services, and/or parties other than Us.

First-Party Cookies that may be placed on Your computer are detailed in Schedule 1. and Third-Party Cookies that may be placed on Your computer are detailed in Schedule 2.

12.2. None of the Cookies set by the Website jeopardize Your privacy in any way. By giving Your consent to the setting of Cookies You are enabling Us to provide the best possible experience and Service to You through Our Website. If You wish to deny Your consent to the placing of Cookies, certain features of the Website may not function fully or as intended.

12.3. Certain features of the Website depend upon Cookies to function and are deemed, within the law, to be strictly necessary. These Cookies are detailed in Schedule 1A. You will not be asked for Your consent to place these Cookies, however, You may still disable Cookies via Your web browser's settings, as set out in sub-Clause 12.4.

12.4. You can choose to enable or disable Cookies in Your web browser. By default, Your web browser will accept Cookies, however this can be altered by You. For further details, please consult the help menu in Your web browser or find out more at: www.allaboutcookies.org. Disabling Cookies may prevent You from using the full range of Services available on the Website.

12.5. You may delete Cookies at any time, however, You may lose any information that enables You to access the Website more quickly.

12.6. The Website uses the Third-Party Cookies detailed in Schedule 2. for the purposes described therein. These Cookies are not integral to the Services provided by the Website to You and may be blocked at Your choosing via Your web browser's privacy settings, as set out in sub-Clause 12.4. It is recommended that You ensure that Your web browser is up-to-date and that You consult the help and guidance provided by the developer of Your web browser if You are unsure as to how to adjust Your privacy settings.

12.7. We use Web Beacons in Our emails to You to detect when, or whether, You have opened an email from Us and how You interacted with it. Any Data obtained by the use of Web Beacons is collected in accordance with this Privacy Policy. This Data helps Us to provide You with relevant information in a format which works best with Your device or computer.

12.8. Emails from Us may contain links which enable Us to track which links are being clicked and by whom. The information gathered from this can then be used by Us to improve and tailor Our emails in the future.

Schedule 1: First-Party Cookies

Name of Cookie - ci_session
Purpose - This Cookie is encrypted and contains authentication and User preference information. This cookie is set when a session begins and will expire when the session ends. No Personal Data is obtained.

Name of Cookie – Cglanguage
Purpose – This Cookie is encrypted and contains User preference information.

Schedule 1A: Strictly Necessary Cookies

Name of Cookie - ci_session
Purpose - This Cookie is encrypted and contains authentication and User preference information. This Cookie is set when a session begins and will expire when the session ends. No Personal Data is obtained.

Name of Cookie – Cglanguage
Purpose – This Cookie is encrypted and contains User preference information.

Schedule 2: Third-Party Cookies

Name of Cookie - _ga, _ga_Q5D63CML61
Name of Provider - Google
Purpose - Google Analytics uses Cookies to define User sessions, as well as to provide a number of key features in the Google Analytics reports. Google Analytics sets or updates Cookies only to collect Data required for the reports. The Google Analytics tracking for ga.js uses two Cookies to establish a session. If either of these two Cookies are absent, further activity by You initiates the start of a new session. For more information about how this works please read Google’s overview of privacy and safeguarding data.

13. Contacting Us
If you have any questions about Our Website or this Privacy Policy, please contact Us by email at contact@ValueMyLifePolicy.com. Please ensure that your query is clear, particularly if it is a request for information about the Data We hold about You (as under Clause 8, above).

14. Changes to this Privacy Policy
We reserve the right to change this Privacy Policy as We may deem necessary from time to time, or as may be required by law. You are deemed to have accepted the terms of the Privacy Policy upon Your first use of the Website following the changes.


This Privacy Policy was last updated on March 22, 2022.

Version: v1.0.2