Privacy Policy

1. Introduction

Lifinity Insurance Experts ("we," "us," or "our") operates the website and provides information about Indexed Universal Life (IUL) insurance products. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, age range, household income range, and health status that you voluntarily provide through our quote request forms.
• Usage Data: Information about how you interact with our website, including IP address, browser type, pages visited, time spent on pages, and referring URLs.
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience and gather analytical data.
• Communication Data: Records of correspondence if you contact us via email, phone, or through our website forms.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide personalized IUL insurance quotes and financial planning recommendations.
• To communicate with you regarding your inquiries, consultations, and policy information.
• To improve our website, services, and customer experience.
• To comply with legal obligations and regulatory requirements in the insurance industry.
• To send you relevant updates, newsletters, or promotional materials (with your consent).
• To detect, prevent, and address technical issues or fraudulent activity.

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Insurance Carriers: To process your life insurance applications and provide accurate quotes from our partner carriers.
• Service Providers: With trusted third‑party vendors who assist us in operating our website, conducting business, or servicing you.
• Legal Requirements: When required by law, regulation, or legal process, or to protect our rights and safety.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred.

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, and we cannot guarantee absolute security.

6. Cookies Policy

Our website uses cookies to enhance your browsing experience. You can control cookie preferences through your browser settings. Types of cookies we use include:

• Essential Cookies: Necessary for the website to function properly.
• Analytics Cookies: Help us understand how visitors interact with our website.
• Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness.

7. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• The right to access, update, or delete your personal information.
• The right to opt out of marketing communications at any time.
• The right to request a copy of the data we hold about you.
• The right to lodge a complaint with a data protection authority.

To exercise any of these rights, please contact us at lifinityinsurance@gmail.com.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children' Privacy

Our services are 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 data from a child without parental consent, we will take steps to delete that information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically to stay informed about how we protect your information.

11. Contact Us

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