Privacy Policy

1. Introduction

This Privacy Policy describes how Life Insurance Referral Program ("we," "our," or "us") collects, uses, and protects your personal information when you visit our website or use our referral services. We are committed to protecting your privacy and maintaining the confidentiality of your personal information.

2. Information We Collect

We may collect the following types of information:

• Contact Information: Name, email address, phone number, and company/agency information
• Professional Information: Insurance licensing details, agency affiliation, and business interests
• Communication Records: Messages, inquiries, and correspondence with our team
• Website Usage: IP address, browser type, pages visited, and interaction data for website improvement

3. How We Use Your Information

We use your personal information for the following purposes:

• To respond to your inquiries and provide information about our referral program
• To establish and manage referral partnerships
• To process referral fees and commission payments
• To communicate about referral opportunities and program updates
• To comply with legal and regulatory requirements in the insurance industry
• To improve our website and services

4. Information Sharing and Disclosure

We do not sell, trade, or share your personal contact information with third parties for marketing purposes.

We may share your information only in the following limited circumstances:

• Insurance Carriers: When processing life insurance applications for referred clients, we may share relevant information with licensed insurance carriers as required for the application and underwriting process
• Legal Requirements: When required by law, regulation, or valid legal process
• Business Protection: To protect our rights, property, or safety, or that of others
• Service Providers: With trusted third-party vendors who assist with website hosting, email communications, or payment processing, under strict confidentiality agreements

Important Note: Any client referral information you provide to us outside of this website will only be shared with life insurance carriers during the legitimate application and underwriting process. We do not share referral information with any other parties.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.

6. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, and resolve any disputes. Contact information for prospective agents is retained only as long as needed to evaluate partnership opportunities and maintain professional relationships.

7. Your Rights

You have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of marketing communications
• Contact us with privacy concerns

8. Cookies and Website Analytics

Our website may use cookies and similar technologies to improve user experience and analyze website traffic. You can control cookie settings through your browser preferences.

9. Third-Party Links

Our website may contain links to third-party websites. This Privacy Policy does not apply to those sites, and we are not responsible for their privacy practices.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new Privacy Policy on this page with an updated effective date.

11. Contact Information

If you have any questions about this Privacy Policy or our privacy practices, please contact us: