Last modified: November 23, 2020
You can find out more about our commitment to privacy and how your personal information is collected and used below. Please review the following carefully so that you understand our privacy practices.
We collect nonpublic personal information when you register for a Fabric account or use our Service (including when you apply for any insurance or other product through the Service). Information we collect may include first and last name, phone number, mobile number, e-mail address, home address, date of birth, social security number, citizenship, employer and other personal information. We may also collect additional information that is normally required by life insurance companies for underwriting purposes, including information about your company or employer, your family, your income, assets, net worth and housing, and your existing life and health insurance coverage. We may combine this information with data we collect from you through other methods, such as telephone conversations or electronic document exchange services, including your social security number, bank account number and other financial information. You may also choose to provide us with images of yourself and/or your beneficiary to personalize your account.
When you register for a Fabric account or use our Service, we collect nonpublic personal information about you from nonaffiliated third party service providers in order to verify your identity and for fraud prevention.
Log Information: We log information about your use of our Service, including the type of browser you use, access times, pages viewed, your IP address, the page you visited before navigating to our Service, and the page you visited before exiting the Service.
Device Information: We collect information about the computer or mobile device you use to access our Service, including the hardware model, operating system and version, unique device identifiers (including, for example, a UDID, Unique ID for Advertisers, Google Ad ID, or Windows Advertising ID) and mobile network information.
Location Information: We may collect your location information from your mobile device with your prior consent.
We may also collect information using web beacons (also known as "tracking pixels" or “clear gifs”). Web beacons are electronic images that may be used in our Service or emails and help deliver cookies, count visits, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon.
We use information collected through your use of the Service to operate, maintain, support, enhance and provide you the features of the Service, and for our internal business operations. We may use your information as follows:
We may use your information to communicate with you, such as to send you email or text messages, push notifications, to offer information about our Service and your account, to provide updates on the status of your application, to offer you promotions and/or products, to alert you when offers are expiring, and to ask about your satisfaction with the Service. We may also send you Service-related emails or messages (e.g., account verification, change or updates to features of the Service, and security notices).
We may collect information you share in connection with any insurance or other product you apply for through our Service. This information will be used by your chosen insurer or other applicable entity to process your application and in conducting any applicable business transactions. Additionally, we may ask you to provide us with your credit card or other payment information and social security number, which will be used (including by such third party) to process your application or collect any fees or premiums associated with your application. Where you have provided personal information to request a quote, we will use your personal information as necessary to provide you with such quote.
We may use your Internet Protocol (IP) address to help diagnose problems with our computer server, and to administer the Service. Your IP address is also used to gather broad demographic data.
We use information collected from users of the Service in the aggregate, so that we can improve the Service and for business and administrative purposes.
If you choose to provide us with personal information, you consent to the transfer and storage of that information on our servers located in the United States.
For more information about your communication preferences, see “Your Choices” below.
We may disclose any information we collect about current and former customers, including nonpublic personal information, to affiliates and nonaffiliated third parties as follows:
Life insurance companies and their administrators, vendors, agents and third party service providers, that are engaged in services related to underwriting and issuing life insurance policies, as needed to perform the Service;
With another user, when you sign up for Fabric’s services via a referral link. The user that referred you may receive information indicating that you have enrolled with Fabric. You may avoid this sharing by not using a referral link to enroll;
If you were referred to us by, or use our Site or mobile application, or call center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such employer, group, organization, administrator and/or consultant. For example, we may inform such employer, group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law;
If you submit a request for information or an application for an insurance product offered through an insurance agent or other business partner with whom we associate, then we may disclose your personal information to that agent or business partner to process your request or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested);
Other parties you choose to share data or communicate with through our Service;
With non-financial companies, such as email service providers that perform marketing services on our behalf, and fraud prevention service providers that use the information to provide services to Fabric and other companies;
With other nonaffiliated companies for our everyday business purposes, such as to operate our business, maintain accounts and respond to court orders and legal investigations. For example, in connection with our everyday business purposes, we may share information about you as follows:
To government or law enforcement officials, agencies, investigators, auditors or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal processes (including but not limited to subpoenas), to protect the property and rights of Fabric or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, an illegal, unethical or legally actionable activity.
With our third party service providers who provide services on our behalf, provide customer support, perform Service-related services (e.g., without limitation, maintenance services, database management, web analytics and improvement of the Service features) or to assist us in analyzing how our Service is used; provided these third parties have access to your personal information only to perform these tasks on our behalf, and we will contractually require them to protect and safeguard your personal information to at least the same extent that we do.
We may also share your Personal Information with third parties who assist us with marketing and advertising services, or provide your Personal Information directly or through marketing and advertising services to other trusted brands if we believe they offer products and services that may be of interest to you. For example, we may provide the email addresses of our customers to a third party service that uses those addresses to help us and other companies more accurately target advertising for complementary products through social media channels to each other’s customers. In that case, your email address would be disclosed to the service provider to assist in analysis and matching of customers with similar interests but not to the partners whose products and services may be complementary to our products and services. We may also provide a mix of Personal Information and demographic information such as your IP address, zip code, birthdate, height/weight, gender, and whether you are a tobacco user to a marketing service that may present you with offers for insurance if we are unable to fulfil your request for insurance. We may be compensated by the marketing service or the trusted brands for providing this information.
With your consent or at your direction, including if we notify you that the information you provide will be shared in a particular manner and you provide such information.
We may also aggregate or otherwise strip data of all personally identifying characteristics and may share that aggregated, anonymized data with third parties.
You may edit your account profile information by logging into your account via our Service. If you wish to delete or deactivate your online account, please email firstname.lastname@example.org, but note that we may retain certain information as required by law or for legitimate business purposes. We may not be able to modify or delete your information in all circumstances, as federal and state law may require that we maintain certain types of information for a set period of time. You may not be able to delete or modify certain information that your life insurance carrier, insurance regulators or other parties require that we maintain. If you have any questions about reviewing, modifying or deleting your account information, you can contact us directly at email@example.com.
You may opt out of receiving promotional emails and text messages from Fabric by following the instructions in those messages. Please note that if you opt out, we may still send you transactional or relationship messages, such as those about your account or our ongoing business relations.
If you initially consent to the collection of location information by Fabric within our applications, you may be able to subsequently stop this collection through your device operating system settings or through your online account settings.
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Service.
Our Service includes social sharing features for common social networks to let users share content. These features are served from third-party services that may serve their own cookies. The use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features. We are not responsible for the practices employed by the third party providers of social sharing features or platforms.
If you choose to use our Fabric Vault service, you will select the account information you wish to share with your spouse or partner. You will need to provide our third party service provider, Plaid Inc., with your user name and password in order to access your account information, as applicable. You will also need to provide us with an email address for your spouse or partner for us to send your spouse or partner an invitation with a secure link that will enable them to view the information you’ve elected to share. Your spouse or partner will only be able to view this information but will not be able to access or make changes to your accounts through Fabric Vault. Your spouse or partner will also not be provided with your user name or password for any account that has been shared. We may use your information to make personalized recommendations around ways to help improve your financial security. We will not use any of the information you provide to us or any of the account information that is shared through our account linking service for any other purpose unless you give us your consent.
Third Party Tracking and Online Advertising. We may permit third party ad networks, social media companies, and other third party services to collect information about browsing behavior from visitors to our Service through cookies, social plug-ins, or other tracking technology. We may permit third party online advertising networks to collect information about your use of our websites and the Service over time so that they may play or display ads that may be relevant to our Service. Typically, the information is collected through cookies or similar tracking technologies. Such third party ad networks, social media companies, and other third party services may also transfer the information they collect to other third parties where required to do so by law, or where such other parties process the information on their behalf. The only way to completely “opt out” of the collection of any information through cookies or other tracking technology is to actively manage the settings on your browser or mobile device. Please refer to your browser’s or mobile device’s technical information for instructions on how to delete and disable cookies, and other tracking/recording tools. (To learn more about cookies, clear gifs/web beacons and related technologies and how you may opt-out of some of this tracking, you may wish to visit http://www.allaboutcookies.org and/or the Network Advertising Initiative’s online resources, at http://www.networkadvertising.org). Depending on your mobile device, you may not be able to control tracking technologies through settings.
Our Service may integrate with or contain links to other third party sites and services. We are not responsible for the practices employed by third party websites or services embedded in, linked to, linked from, or connected with the Service and your interactions with any third-party website or service are subject to that third party’s own rules and policies. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.
From time to time we may display testimonials of satisfied customers on our Site or mobile application together with other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at firstname.lastname@example.org.
California Civil Code Section § 1798.83 permits users of our Service that are California residents to request from us, once a year, free of charge, a list of the third parties to whom we have disclosed their personal information (if any) for their direct marketing purposes in the prior calendar year, as well as the type of personal information disclosed to those parties. We do not disclose any personally identifiable information to third parties for their direct marketing purposes. To make such a request, or to opt out of our sharing your information for these purposes, you may contact us by email at email@example.com.
Under Nevada law, certain Nevada consumers may opt out of the sale of "personally identifiable information" for monetary consideration (as such terms are defined under Nevada law) to a person for that person to license or sell such information to additional persons. We do not sell any personally identifiable information for monetary consideration for third parties to license or sell that information to additional persons. However, if you are a Nevada resident and you have purchased products or services from us, you may submit a request to opt out of any potential future sales under Nevada law by contacting us via e-mail at firstname.lastname@example.org.
Accidental Death Insurance policies (Form VL-ADH1 with state variations where applicable) and Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT (all states except NY), and by The Penn Insurance and Annuity Company of New York (NY only). Coverage may not be available in all states. Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of Vantis Life.
All sample pricing is based on a 25-year old F in Excellent health for the coverage amount shown. All samples are for a 10-year term policy, unless otherwise stated. Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT. Coverage may not be available in all states. Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of Vantis Life.
A.M. Best uses letter grades ranging from A++, the highest, to F, companies in liquidation. Vantis Life’s A+ (Superior) rating, which was reaffirmed in April 2020, ranks the second highest out of 16 rankings. An insurer’s financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. For more information about a particular rating or rating agency, please visit the website of the relevant agency.
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