Privacy Policy

Who we are

TermQuoteDirect.com (“TermQuoteDirect,” “we,” “us”) is operated by Brian Dempsey (TermQuoteDirect), an insurance agent who offers life insurance through Ethos. This Privacy Policy explains how we handle information when you visit TermQuoteDirect.com, contact us, or start a life insurance quote from this website.

Quotes and applications are handled by Ethos

The quote tool on this website and the pages you reach through our “Get my quote” buttons are provided by Ethos Technologies Inc. and its affiliates (“Ethos”). Information you enter there — for example your age, ZIP code, health and lifestyle answers, and contact details — is collected and processed by Ethos and, if you apply, by the insurance company that reviews your application, under their own privacy policies. Please read the privacy policy published on Ethos’s website before you continue.

As your agent, we may receive information from Ethos about your quote or application so that we can answer your questions and help you through the process.

Information we collect

Information you give us

This website has no forms of its own. If you call, text or email us, we receive the information you choose to share, such as your name, phone number, email address and the content of your message.

Information collected automatically

Like most websites, our hosting provider automatically records technical information when you visit, such as your IP address, browser and device type, the pages you view, the date and time of your visit and the website that referred you. We use this information to keep the site secure and working properly.

Cookies and similar technologies

We may use cookies, pixels and similar technologies, including tools from analytics and advertising providers such as Google and Meta, to understand how visitors use the site and to measure the performance of our advertising — for example, whether a visit that started from an ad led to a click on a quote button. Ethos uses its own cookies on its pages.

How we use information

• to respond to your calls, messages and questions;
• to help you with a quote or application you started through Ethos;
• to operate, secure and improve this website;
• to measure and improve our advertising;
• to comply with legal and regulatory obligations.

How we share information

We share information only as described below:

• With Ethos and insurance companies, when you request a quote or apply for coverage, so that your request can be processed;
• With service providers who host and support this website (for example, our hosting and content delivery provider), only for that purpose;
• With analytics and advertising providers, through the cookies and similar technologies described above, if we use them;
• When required by law, or to protect the rights, safety and security of our visitors, ourselves or others.

We do not sell your personal information.

Your choices

• You can block or delete cookies in your browser settings. Some parts of the site may not work as intended without them.
• You can limit personalized advertising in your Google and Meta account settings and through the opt-out tools offered by the advertising industry.
• You can ask us what personal information we hold about you, or ask us to correct or delete it, by contacting us using the details below. Depending on the state you live in, you may have additional privacy rights; we will honor requests as required by applicable law.

Children

This website is intended for adults. We do not knowingly collect personal information from children under 18.

Data security and retention

We use reasonable safeguards to protect the information we handle, but no method of transmission or storage is completely secure. We keep information only as long as needed for the purposes described in this policy or as required by law.

Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top shows when it was last changed.

Contact us

Questions or requests about this policy:
Phone: (978) 273-6313
Email: dempsins@msn.com