Privacy Policy

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.

We collect personal information you voluntarily provide when requesting information about us or our products and Services, participating in activities on the Services, or contacting us.

Personal Information Provided by You. May include names, phone numbers, email addresses, and contact preferences.

Sensitive Information. We do not process sensitive information.

All personal information must be true, complete, and accurate, and you must notify us of changes.

Information automatically collected

In Short: Some information—such as IP address and/or browser and device characteristics—is collected automatically.

We automatically collect device and usage information (e.g., IP address, browser, OS, language preferences, referring URLs, device name, country, location, timestamps, pages viewed, searches, feature use, system activity, error reports, and hardware settings) primarily to maintain security/operation and for analytics.

• Log and Usage Data. Service-related, diagnostic, usage, and performance information recorded in log files.
• Device Data. Information about the device you use to access the Services.
• Location Data. We may collect precise or imprecise location data (e.g., via IP address). You can disable location collection in your device settings; some features may not work without it.

Information collected from other sources

In Short: We may collect limited data from public databases, marketing partners, and other sources (e.g., mailing addresses, job titles, emails, phone numbers, IP addresses, social profiles/URLs, and custom profiles) to enhance marketing, offers, and record accuracy.

2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: To provide, improve, and administer our Services; communicate with you; ensure security/fraud prevention; comply with law; and for other purposes with consent.

• Deliver and facilitate Services you request.
• Respond to inquiries and provide support.
• Send administrative information (product/service updates, policy changes, etc.).

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We may share information in specific situations and with specific third parties.

• Business Transfers. In connection with or during negotiations of any merger, sale of assets, financing, or acquisition of all or a portion of our business.

4. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep information as long as necessary to fulfill the purposes outlined in this notice unless otherwise required by law.

When no ongoing legitimate business need exists, we delete or anonymize information or securely store and isolate it until deletion is possible.

5. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We employ organizational and technical safeguards. However, no method is 100% secure; transmission of personal information is at your own risk. Use the Services in a secure environment.

6. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18.

If we learn that personal information from users under 18 has been collected, we will deactivate the account and delete the data where feasible. If you become aware of such data, contact [email protected].

7. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may review, change, or terminate your information at any time, and may have additional rights depending on your location (e.g., EEA/UK/Switzerland).

Withdrawing consent: Where we rely on consent, you may withdraw it at any time by contacting us.

Opting out of marketing: Reply “STOP” or “UNSUBSCRIBE” to SMS we send, or email us. We may still send essential service messages.

Questions about rights: [email protected].

8. CONTROLS FOR DO-NOT-TRACK FEATURES

Currently no uniform DNT standard is finalized; we do not respond to DNT signals. If standards are adopted, we will update this notice.

9. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: Yes. If you are a California resident, you have specific rights regarding access to your personal information.

Under “Shine the Light,” you may request, once per year, information about categories of personal information (if any) disclosed for direct marketing and the names/addresses of third parties with whom we shared such information. Submit requests to the email below.

CCPA Privacy Notice

If you meet the definition of “resident,” we must adhere to certain rights/obligations regarding your personal information.

Categories Collected in Last 12 Months

Retention (as needed to provide Services or for): Category A — 6 months; Category C — 6 months; Category G — 6 months.

We may also collect personal information in other contexts (support, surveys/contests, service delivery, inquiries).

Contact: [email protected].

We may disclose personal information to service providers under written contracts. We have not disclosed, sold, or shared personal information in the preceding 12 months and will not sell or share it in the future.

Your CCPA Rights

• Delete: Request deletion of your personal information (subject to legal exceptions).
• Know: Request to know categories, sources, purposes, third parties, and specific pieces of personal information collected.
• Non-Discrimination: We will not discriminate for exercising your rights.
• Limit Sensitive Info: We do not process sensitive personal information.

Verification: We will verify your identity for requests and may request additional information if necessary. We will delete such additional info after verification.

To exercise rights, email [email protected].

10. DO VIRGINIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: Yes. Under the Virginia CDPA, consumers have rights including access, correction, deletion, portability, and opt-out of targeted advertising, sale, or profiling with legal/similar effects.

American Life Broker has not sold personal data to third parties for business or commercial purposes and will not do so.

Exercise rights by emailing [email protected]. We will respond within 45 days (extendable once by 45 days where reasonably necessary).

Right to appeal: If we decline action, email us to appeal. We will respond within 60 days. You may also contact the Virginia Attorney General to submit a complaint.

11. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes. We will update this notice as necessary to stay compliant with relevant laws. The updated version is effective when posted.

12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

Email [email protected] or write to us (mailing address available upon request). Phone: (210) 692-4384.

13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Depending on your jurisdiction, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To submit a request, email [email protected].