Privacy Policy

Your Privacy Matters

At Life Insurance Services, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you use our services.

1. Information We Collect

We collect information that you provide directly to us, including:

• Name and contact information
• Date of birth and demographic information
• Insurance policy preferences and requirements
• Payment information
• Other information you choose to provide

2. How We Use Your Information

We use the information we collect to:

• Process your insurance applications
• Communicate with you about your policy
• Send you important updates and notifications
• Improve our services and customer experience
• Comply with legal obligations

3. Information Sharing

We may share your information with:

• Insurance carriers and underwriters
• Service providers and partners
• Legal and regulatory authorities
• Other parties with your consent

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

We use the following types of cookies:

• Essential cookies: Necessary for the website to function properly
• Analytical/performance cookies: Allow us to recognize and count visitors and see how they move around our website
• Functionality cookies: Enable us to personalize content for you
• Targeting cookies: Record your visit to our website, the pages you visit, and the links you follow

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

6. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

7. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Opt-out of marketing communications
• Restrict or object to processing of your data
• Data portability (receiving your data in a structured, machine-readable format)
• File a complaint with regulatory authorities

California Residents

Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information. You have the right to know what personal information we collect, disclose, or sell, and the right to request deletion of your personal information.

European Residents

Under the General Data Protection Regulation (GDPR), European residents have additional rights regarding their personal data, including the right to be forgotten and the right to restrict processing.

8. Children's Privacy

Our services are not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at: