Terms and conditions

By using the ellos.ai website, you consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, Ellos may collect personally identifiable information, such as your: First and Last Name, Mailing Address, E-mail Address, Phone Number. Ellos may also collect anonymous demographic information, which is not unique to you, such as your: Age, Gender, Household Income. We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on Ellos . These may include: (a) obtaining a life insurance product recommendation on our Site; (b) obtaining personalized life insurance quotes; (c) signing up for a life insurance pre-approval; (d) sending us an email message; (e) signing up for our email newsletters. We will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of your Personal Information

Ellos collects and uses your personal information to operate its website(s) and deliver the services you have requested. In order to give you a quote for a product, we will ask you for information that does personally identify you, such as: your date of birth, zip code, gender, financial information, your lifestyle information such as whether you smoke and some biological information; and so that we can deliver that quote that you requested, we will ask you for your email and name. Ellos may also use your personally identifiable information to inform you of other products or services available from Ellos and its affiliates. If you would like to not receive such offers, you may opt out of such communications from our affiliates.

Sharing Information with Third Parties

Ellos does not sell or lease its customer your information to third parties. Ellos may share data with other parties who we trust to help us perform statistical analysis, verify your identify, life insurance application data, perform other insurance-related services, send you a requested email or postal mail, provide customer support, or deliver your life insurance policy. Also, we may request your authorization to gain third party reports, such as medical information and/ or prescription usage, if relevant to your product or service. All such third parties are contractually prohibited from using, selling, or otherwise benefitting from your personal information except to provide these services to Ellos, and they are required to safeguard the confidentiality and security of your information. Ellos may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Ellos or the Site; (b) protect and defend the rights or property of Ellos; (c) to enforce or apply our Terms and Conditions and/or (d) act under exigent circumstances to protect the personal safety of users of Ellos, or the public.

Tracking User Behavior

We use a technology service that helps us better understand our Site’s users’ needs and to optimize our Site’s experience. In other words, this technology service helps us understand how much time you may spend on which pages, which links you may choose to click, what you may like and not like, etc., and this enables us to build and maintain our Site with this feedback. The technology service stores this information on our behalf in a pseudonymized user profile. Like any vendor or third party with whom we work, the technology service, is contractually forbidden to sell any of the data collected on our behalf.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by Ellos. This information can include information of the device used to access our Site: IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of Ellos, to maintain quality of Ellos , and to provide general statistics regarding use of Ellos .

Tracking and Use of Cookies

Ellos uses "cookies" and other technologies to help you personalize your online experience. You have the ability to accept or decline cookies. Ellos and our technology serviceuses cookies to collect data on our Site’s visitors’ behavior while on Ellos and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our Site. If you have a question about our Privacy Policy or have a recommendation about our policies, please contact us at hello@ellos.ai.

Protecting your Personal Information

Ellos safeguards your personal information from unauthorized access, use, or disclosure. Ellos uses the following methods for this purpose: SSL Protocol, Data Encryption. Personal information of the applicant may be customarily handled by third parties who are experts in certain aspects of process. When Ellos transmits personal information to these third parties’ websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol. We aim for rigorous security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will: Delete your personal information from our records; and Direct any service providers to delete your personal information from their records. Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

  • Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform the promises of a contract between you and us;
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
  • Debug to identify and repair errors that impair existing intended functionality;
  • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
  • Comply with the California Electronic Communications Privacy Act, if applicable, or comply with another statute or regulation in effect if applicable to Ellos;
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
  • Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
  • Comply with an existing legal obligation; or
  • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Children Under Thirteen

Ellos does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, Ellos requests you to ask your parent or guardian for permission to use this website.

E-mail Communications

From time to time, Ellos or an Ellos affiliate, may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Ellos or click on a link therein. If you would like to stop receiving marketing or promotional communications via email from Ellos, you may opt out of such communications by emailing Ellos.

External Data Storage Sites

We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

Ellos reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Contact Information

Ellos welcomes your questions or comments regarding this Statement of Privacy. If you believe that Ellos has not adhered to this Statement, please contact Ellos at:
Ellos LLC
2 Park Avenue, NY, NY 10016
Email Address: hello@ellos.ai