Terms of Use

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Bedrock Terms of Use

Bedrock Capital Group 

How do we collect confidential information?

The information we collect may be obtained in several ways: via e-mail or U.S. postal mail, telephonically or in person. We may also obtain information when an online form, life settlement application or new agent form is filled out. 

Will confidential information be disclosed to third-parties?

Our clients’ medical, financial and personal data will never be disclosed to or shared with third-parties who are not involved in the settling of a life insurance policy without written consent, except when required under law or litigation. In order for us to provide services on our clients’ behalf, confidential information may be forwarded to high-quality life settlement industry participants, such as brokers and providers, who are committed to protecting client privacy. These reputable affiliates are required to keep all of our clients’ information strictly confidential.

What measures are taken to protect confidential information?

We have electronic, physical and procedural safeguards in place to protect your confidential information. Once your life settlement application (and all documentation pertaining to it) has been received and processed, your information will be stored (encrypted) and secured on password-protected computer systems both on and off site. Access to this information is granted and given only to employees on a strictly ‘need to know’ basis. Once your information is stored and encrypted on our systems, it will be backed up for loss-preventative measures. In addition, once no longer needed, all hardcopy forms and documentation will be properly shredded and discarded. 

*Please note that we cannot be responsible for the security of any information sent to us via e-mail. Although our e-mail servers use encryption technology, e-mails sent to us may have gone through numerous servers that are not protected. We therefore advise against sending any confidential information via e-mail. 

What kinds of confidential information do we gather?

Depending on the services we provide you, information we gather can vary from basic contact information such as your name, e-mail or telephone number as well as more sensitive financial, medical and insurance policy information. The following are scenarios in which we gather information about you, including the kind of information we collect: 

Contacting Bedrock Capital Group. Should you contact us with a question or inquiry, we will collect your name, phone number and/or e-mail address so that we may promptly respond to you. Upon your request, you may be asked a series of preliminary questions. 

Filling out a life settlement application. Should you fill out a life settlement application, you will be required to sign authorization forms, which will give us access to your medical and insurance policy information, and allow us to forward this information to our high-quality affiliates to further process your application. 

Filling out a life settlement application requires you to disclose the following information: 

  • Insured/Policyholder’s Name
    • Current Address
    • Social Security Number
    • Date of Birth
    • Phone Numbers
    • E-mail Address
    • Marital Status
    • Financial Data
    • Copy of a Valid Driver’s License

Visiting Our Website. As most websites do, we gather certain information automatically when you visit us on the web, this includes your: 

  • Internet Protocol (IP) Address
    • Browser Type
    • Internet Service Provider (ISP)
    • Referring/Exiting Pages
    • Operating System
    • Date/Time Stamp, and
    • Clickstream Data (what you click on while browsing our website)

This information does not identify who you are, and is used only to monitor and analyze trends while navigating around our website. 

Our website also uses “cookies” to see which parts of our site are most often visited as well as the frequency and length of each visit. There is no personal information collected by this technology, and it is used solely to better understand user traffic patterns. 

What are the situations in which Bedrock Capital Group may contact you?

The following are situations in which we may contact you: 

  1. In response to your inquiry or comment.
    2. In response to your filling out a life settlement application in order to:
  • Update you on the status of your application.
    • Provide relevant information to you.
    • Obtain more information from you in order to further process your application.

Is there an opt-out option for the information disclosure authorizations?

You may, at any time, revoke your information disclosure authorizations by notifying Bedrock Capital Group in writing, and sending it to: 

Bedrock Capital Group
11 North Orange Avenue
Suite 800
Orlando, Florida 32801

How long will confidential information be stored?

Some state laws require us to retain your confidential information and any documentation pertaining to life settlement investments for a certain period of time. We retain life settlement application information and documentation containing your investment information for a period of 5 years or as mandated by law. 

What are the current laws or regulations on protecting privacy?

Listed below are current privacy laws or regulations relating to the life settlement industry. This list is not comprehensive, and it is advised that you look elsewhere to obtain more information. 

Gramm-Leach-Bliley (GLB) Act

The Gramm-Leach-Bliley Act of 1999 was enacted to protect the privacy of consumer information held by financial institutions. The GLB Act requires companies to give consumers privacy notices that explain information sharing practices. The Act also requires companies to have a security plan to protect the confidentiality and integrity of personal consumer information. For more information, please see Gramm-Leach-Bliley (GLB) Act.

Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule

The HIPAA Privacy Rule was established to address the uses and disclosures of protected health information (PHI) by organizations. This rule ensures that individuals’ health information is properly protected, while allowing this information to be shared with others to provide and promote high-quality health care.

This rule establishes restrictions for the disclosure of an individual’s protected health information and requires that this information only be shared if the subject of the information authorizes it. For more information, please see HIPAA Privacy Rule.

Data Disposal Rules

In addition, laws have been passed in numerous states as well as regulations adopted by the FTC (The Disposal Rule, 16 C.F.R. 682) to ensure the proper disposal of personal data in both the government and private sector.


Will Bedrock Capital Group make any modifications to this privacy policy?

We are always improving our strict standards of securing and protecting your confidential information. We may modify this privacy policy to better meet the needs of our clients or as a result of changing technology and/or legal developments. At the bottom of this page is the date on which we last updated this privacy policy. We reserve the right to make modifications to this privacy policy at any time.

What about the privacy policies of linked third-party websites?

Our website may contain links to other websites that are not owned or controlled by Bedrock Capital Group. Please be advised that we are not responsible for the privacy practices on these websites, and that we encourage you to investigate these sites before releasing any confidential information.

How can Bedrock Capital Group be contacted for questions about the handling of confidential information?

If you have any concerns, questions or suggestions about the way we process and handle your confidential information, please call us, and we will be happy to speak with you.

Information contained in this Executive Summary related to the investment return or performance of the Life Settlement Interests or other funds or investment vehicles may not be relied upon as representative or indicative of the level, nature or similarity to the prospective returns that the Life Settlement Interests or any other investment may achieve.  No reliance may be placed for any purpose on the information contained in this Executive Summary or its accuracy or completeness.

Major risks involved with an investment in the Life Settlement Interests include, but are by no means limited to (i) underestimating the life expectancy of an insured under a life insurance policy such that if more premiums are required than projected at the time of the purchase of the Life Settlement Interests, that would lower the returns an investor might hope to achieve with respect to that Life Settlement Interests; (ii) potential challenges by life insurance companies and more traditional family beneficiaries that they are entitled to the death benefits payable under a particular life insurance policy and/or that the original or subsequent owner of that particular life insurance policy does not have an insurable interest in the life of the insured under such life insurance policy; (iii) challenges by the life insurance company, particularly with respect to a life insurance policy that is still within the initial two-year contestability period, that the insured/owner filed a false and misleading life insurance policy application or failed to disclose that the insured financed the premiums payable with respect to that life insurance policy or that the insured intended to transfer the policy, (iv) if the insured under a Life Settlement Policy out lives the estimated life expectancy for such insured such that premium reserves established for the maintenance of that Life Settlement Policy through the date of such estimated life expectancy are exhausted, an investor will be required to invest additional funds to pay premium and related costs to maintain the underlying Life Settlement Policy in force, and the hoped-for investment returns calculated by the investor may be substantially less than the investor may have projected ; and (v) the financial strength of the issuing life insurance company.  Please review carefully the Materials, including especially the Risk Factors Disclosures.