Privacy Policy
Last Updated and Effective 11/01/2024
At Apex Settlement Group LLC (“Apex”, “we”, “our” or “us”), one of our main priorities is protecting the privacy of visitors to this website (the “Site”). This privacy policy and notice for California Consumers (the “Privacy Policy”) sets forth the privacy practices of Apex with respect to our collection, use, sharing and disclosure of Personal Information collected through this Site, how it is used, and the circumstances under which it may be shared and disclosed. This Privacy Policy is not applicable to any information collected offline or via channels other than this Site. This Privacy Policy constitutes a legally binding agreement between you and Apex that conditions your use of the Site, where and as permitted by applicable law.
Consent
By using our Site, you hereby consent to our Privacy Policy and agree to its terms.
Information We Collect
The nonpublic personal information (“Personal Information”) that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point of collection.
If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.
When you register for an account, we may ask for your contact information, including items such as your name, company name, address, email, and telephone number.
How We Use Your Information
We may use the information we collect in various ways, including to:
- Provide, operate, and maintain our Site
- Improve, personalize, and expand our Site
- Understand and analyze how you use our Site
- Develop new products, services, features, and functionality
- Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the Site, and for marketing and promotional purposes
- Send you emails
- Find and prevent fraud
How We Share Personal Information
Apex does not disclose any Personal Information to nonaffiliated third parties, except to service or manage a visitors’ account or as permitted by law. We do not sell any Personal Information.
How We Protect Personal Information
We seek to carefully safeguard Personal Information. We will use commercially reasonable efforts to ensure that Personal Information is kept secure and safe from any loss or unauthorized disclosure or use. We restrict access to Personal Information to employees requiring that Personal Information to provide our products or services.
Log Files
Apex follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and it is part of hosting services’ analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information, as we use it, is for analyzing trends, administering the Site, tracking visitors’ movement on the Site, and gathering demographic information.
Cookies and Web Beacons
Like any other website, Apex uses “cookies”. These cookies are used to store information including visitors’ preferences, and the pages on the Site that the visitor accessed or visited. The information is used to optimize the user’s experience by customizing our Site content based on visitors’ browser type and/or other information.
You may set your browser to notify you when you receive a cookie. Many web browsers also allow you to block cookies. If you block cookies you may not be able to access certain parts or use all features of our Site. You can disable cookies from your computer system by following the instructions on your browser or at http://www.allaboutcookies.org/.
For more general information about cookies, please read “What Are Cookies”.
Third Party Privacy Policies
This Privacy Policy does not apply to other advertisers or websites. Thus, we advise you to consult the respective privacy policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.
You may consult this list to find the privacy policy for each of the advertising partners of Apex.
Third-party ad servers or ad networks use technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on this Site, which are sent directly to a visitor’s browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.
Note that Apex has no access to or control over these cookies that are used by third-party advertisers.
Notice for Residents of the European Economic Area and United Kingdom
Apex does not currently offer its products or services to natural persons resident in the European Union or the United Kingdom (“EEA/UK”) and, accordingly, is not required to comply with the EU General Data Protection Regulation (“GDPR”). Any personal data provided to us by you will be processed in the United States or other jurisdictions outside the EEA/UK which may not afford the same protections of personal data as under the GDPR.[4]
Children’s Information
It is also a top priority of ours to help protect children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.
Apex does not knowingly collect any Personal Information from children under the age of 13. If you think that your child provided this kind of information on our Site, we strongly encourage you to contact us immediately and we will do our best to promptly remove such information from our records.
Notice for California Consumers
This section of the Privacy Policy applies to Data Subjects resident in California. It contains disclosures required by the California Consumer Privacy Act, as amended by the California Privacy Rights Act, (collectively, the “CCPA”) and applies to the collection and use of “Personal Information” subject to the CCPA. Californian Personal Information includes any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.
Information We Collect. In the past 12 months,we have collected and shared for a business purpose the following categories of Personal Information:
| Category | Examples | Collected | Shared for Business Purpose |
| A. Identifiers | A real name, alias, email address, postal address, Internet Protocol (IP) address, account name, Social Security number, driver’s license number, passport number, or other similar personal identifiers. | YES | NO |
| B. Other personal information categories, as listed in the California Customer Records Statute | A signature, physical characteristics or description, telephone number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. | NO | NO |
| C. Protected classification characteristics under California or federal law | Age (40 years or older), race, citizenship, marital status, sex, veteran or military status. | NO | NO |
| D. Commercial information | Account activity, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO | NO |
| E. Biometric information | Fingerprints, faceprints, voiceprints, and iris or retina scans. | NO | NO |
| F. Internet or other similar network activity | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | NO | NO |
| G. Geolocation data | Physical location or movements. | NO | NO |
| H. Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | NO | NO |
| I. Professional or employment-related information | Current or past job history or performance evaluations. | NO | NO |
| J. Non-public education information (per the Family Educational Rights and Privacy Act) | Education records directly related to a student maintained by an educational institution or party acting on its behalf. | NO | NO |
| K. Inferences drawn from other personal information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO | NO |
| L. Sensitive personal information | A consumer’s SS, driver’s license, state ID card, or passport number; account log-in or debit/credit card number in combination with any access code, password, or account credentials; precise geolocation; racial/ethnic origin, religious/philosophical beliefs, or union membership; contents of mail, email, and text messages; genetic data; biometric information; PHI; or sex life or sexual orientation. | NO | NO |
Personal Information does not include information that is publicly available, de-identified/ aggregated, or subject to HIPAA or GLBA.
We collect Personal Information from the following categories of sources:
- Your communications with us;
- By observing your actions on our website;
- Service providers, including, but not limited to: administrators, lenders, banks, brokers, auditors, law firms, consultants, placement agents, employment agencies, credit bureaus;
- Affiliates not under the Apex Life Settlement brand;
- Nonprofit organizations; and
- Government entities.
We do not knowingly collect, solicit or sell Personal Information from anyone under the age of 16 without the prior consent of a parent or guardian.
Purpose for Collection and Use of Personal Information. We may collect or use Personal Information for one or more of the following purposes:
- Providing you with information about our products and services;
- Providing you with performance and other updates;
- One or more of the following business purposes:
- Performing services (for us or our service provider or contractor) such as account servicing, processing orders and payments, and analytics;
- Auditing related to our interactions with you;
- Legal compliance;
- Detecting and protecting against security incidents, fraud, and illegal activity;
- Debugging;
- Internal research for technological improvement;
- Internal operations;
- Activities to maintain and improve our services; and
- Short-term, transient use, such that the personal information is not disclosed to another third party and is not used to build a profile about you.
Sharing Personal Information. We may disclose Personal Information to:
- Service providers, including but not limited to: administrators, lenders, banks, brokers, auditors, law firms, consultants, placement agents, employment agencies, credit bureaus;
- Affiliates;
- Business partners;
- Legal or government regulatory authorities as required by applicable law;
- In connection with a potential business transfer; and
- Third parties to whom you or your agents authorize us to disclose such information in connection with services we provide to you.
In the past 12 months, we have not sold any Personal Information we collect to third parties.
Length of Time. We will keep your Personal Information for as long as necessary to comply with our regulatory obligations.
The CCPA provides a California consumer the following rights, subject to certain exceptions and limitations:
- The right to request (a) the categories and specific pieces of Personal Information we collect about you, (b) the categories of sources from which we collected your Personal Information, (c) our business or commercial purposes for collecting, selling, or sharing your Personal Information, (d) the categories of Personal Information disclosed for a business purpose and the categories of persons to whom it was disclosed; (e) the categories of your Personal Information (if any) that we have either sold, shared, or disclosed;
- For certain categories of Personal Information, the right to request a list of what we disclosed to third parties for their own direct marketing purposes in the past 12 months and the names and addresses of those third parties;
- The right to request that we delete your Personal Information, subject to certain exceptions;
- The right to opt out of our sale(s) (if any) of your Personal Information;
- The right to request we correct any inaccurate Personal Information maintained about you;
- The right to limit our use of your sensitive personal information to only use that is necessary to perform the services expected or provide the goods reasonably expected; and
- The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.
If you wish to exercise any of the rights afforded to California consumers described above, you may email us at info@apexlifesettlements.com or phone to speak with a member of our Legal & Compliance team at +1 845 357 4700.
You may only make a verifiable request for access or data portability twice within a 12-month period. All verifiable requests must provide (1) enough information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative and (2) sufficient detail that allows us to properly evaluate and respond to it.
We endeavor to respond to a verifiable request within 45 days of its receipt. If we require more time, we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option.
Contact Us
If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us at info@apexlifesettlements.com.