Privacy Policy

1. Information We Collect

1.1 Information You Provide Directly

When using our quoting and application services, we collect:

• Personal identifiers: full name, date of birth, gender, Social Security Number (SSN)
• Contact information: email address, phone number, mailing address
• Financial information: personal earned income, household income, net worth
• Employment information: employer name, occupation, date of employment, hours worked
• Insurance application details: citizenship status, driver's license information, existing insurance policies
• Beneficiary information: names, Social Security Numbers, dates of birth of designated beneficiaries
• Health-related information: work status and ability to perform duties

1.2 Information Collected Automatically

When you visit our website, we automatically collect:

• IP address and approximate geographic location
• Browser type and operating system
• Pages visited and time spent on the Service
• Referring URLs and clickstream data
• Device identifiers

1.3 Information from Third Parties

We may receive information from insurance carriers and our quoting partners (including Simplicity LifeLink) to provide you with accurate premium quotes. This information is used solely to facilitate your insurance application.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and improve our insurance quoting and comparison Service
• To generate and present term life insurance quotes on your behalf
• To transmit your application information to insurance carriers at your request
• To communicate with you about your quotes, applications, and the Service
• To comply with applicable laws, regulations, and insurance industry requirements
• To detect and prevent fraud, unauthorized access, and other harmful activity
• To store and manage your information in our CRM system (HubSpot) for follow-up purposes
• To send you relevant insurance-related communications (you may opt out at any time)

3. Sensitive Personal Information

We collect and process certain categories of sensitive personal information, including Social Security Numbers and financial data, solely for the purpose of processing insurance applications. This information is:

• Transmitted using 256-bit SSL encryption
• Stored in secure, access-controlled systems
• Never sold to third parties for marketing purposes
• Retained only as long as necessary for the purposes described in this policy or as required by law

4. How We Share Your Information

4.1 Insurance Carriers and Partners

With your explicit consent (by clicking "Apply"), we share your application information with the insurance carrier you selected. This sharing is necessary to process your insurance application.

4.2 Quoting Platform Providers

We use Simplicity LifeLink and other quoting platforms to retrieve insurance premium data. These providers may receive limited information necessary to generate quotes on your behalf.

4.3 Service Providers

We share information with trusted service providers who assist in operating our Service, including:

• HubSpot (CRM and customer communication platform)
• Vercel (website hosting and infrastructure)

These providers are contractually obligated to protect your information and may not use it for their own purposes.

4.4 Legal Requirements

We may disclose your information if required to do so by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

4.5 We Do Not Sell Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Quote and application data: retained for 7 years in accordance with insurance industry record-keeping standards
• Account and communication data: retained for the duration of our business relationship plus 3 years
• You may request deletion of your data at any time (see Section 7)

6. Data Security

We implement industry-standard security measures to protect your information, including:

• 256-bit SSL/TLS encryption for all data transmission
• Access controls limiting data access to authorized personnel only
• Regular security assessments and monitoring
• Secure cloud infrastructure provided by Vercel

While we take reasonable precautions, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

7. Your Rights and Choices

7.1 Access and Correction

You have the right to access, correct, or update your personal information. To do so, contact us at the information provided in Section 10.

7.2 Deletion

You may request deletion of your personal information by contacting us. Note that we may be required to retain certain information for legal, regulatory, or legitimate business purposes.

7.3 Opt-Out of Communications

You may opt out of marketing communications at any time by clicking the "unsubscribe" link in any email we send, or by contacting us directly.

7.4 California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information (we do not sell personal information). To exercise these rights, contact us as provided in Section 10.

7.5 Do Not Track

Our Service does not currently respond to "Do Not Track" signals from web browsers.

8. Children's Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on our website with an updated effective date. Your continued use of the Service after any changes constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

This Privacy Policy was last updated on March 10, 2026.