Effective Date: August 14, 2026
At [Company Name] ("we," "us," or "our"), we protect your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [Website URL] and use our insurance quote and application services.
Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.
1. Information We Collect
We collect information that identifies, relates to, or describes you. This includes:
Personal Identifiers: Name, mailing address, email address, phone number, and date of birth.
Health and Medical Information: Medical history, health conditions, medications, lifestyle habits (e.g., tobacco use), and family medical history required for underwriting.
Financial Information: Income, employment details, and payment information (bank account or credit card numbers) to process premiums.
Technical Data: IP address, browser type, operating system, and website usage data collected automatically via cookies.
Mobile Information: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
2. How We Use Your Information
We use the data we collect to provide and improve our services, including:
Generating Quotes: Evaluating your eligibility for life and health insurance policies.
Underwriting & Processing: Submitting your applications to insurance carriers.
Customer Support: Managing your account, responding to inquiries, and sending policy updates.
Legal Compliance: Complying with state and federal insurance regulations. [1, 2, 3, 4]
3. Sharing Your Information
We do not sell your personal or health data. We only share your information with trusted third parties to fulfill your requests:
Insurance Carriers: To obtain quotes and bind coverage.
Medical Professionals/Bureaus: To verify health information during underwriting (e.g., MIB Group, Inc.).
Service Providers: Vendors who assist with website hosting, payment processing, or customer service.
Legal Obligations: When required by law, court order, or government regulators. [1, 2, 3, 4, 5]
4. Data Security and Retention
We implement strict physical, technical, and administrative security measures to protect your sensitive data. This includes Secure Socket Layer (SSL) encryption, firewalls, and restricted employee access. We retain your information only as long as necessary to service your policy or satisfy legal, regulatory, and tax requirements. [1, 2, 3, 4, 5]
5. Regulatory Compliance
Our practices conform to major privacy frameworks, including: [1, 2]
HIPAA: We safeguard Protected Health Information (PHI) according to Health Insurance Portability and Accountability Act standards.
GLBA: We protect non-public personal financial information in compliance with the Gramm-Leach-Bliley Act.
State Privacy Laws: We respect consumer rights under state regulations, such as the California Consumer Privacy Act (CCPA). [1, 2, 3, 4, 5]
6. Your Rights
Depending on your location, you may have the right to:
Access the personal data we hold about you.
Correct inaccurate or incomplete information.
Request Deletion of your data, subject to regulatory retention mandates.
7. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us at:
Sally Slack, Life and Health Insurance Consulting
sallyslack.sfg@gmail.com
442-777-3158