Table of Contents
Privacy Policy
1. Overview
LifeProtectPlus ("we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
By using our services, you consent to the data practices described in this policy. If you do not agree with the practices described in this policy, you should not use our services.
Your Privacy Matters
We are committed to transparency in how we handle your data and giving you control over your personal information. This policy is designed to help you understand what information we collect and how we use it to provide you with better insurance services.
2. Information We Collect
Personal Information
We may collect the following types of personal information:
- Contact Information: Name, email address, phone number, mailing address
- Demographic Information: Age, date of birth, gender, marital status
- Financial Information: Income, employment information, financial obligations
- Health Information: Health status, medical history (when required for quotes)
- Insurance Information: Current coverage, beneficiary information, coverage preferences
Automatically Collected Information
When you visit our website, we automatically collect certain information:
- IP address and geographic location
- Browser type and version
- Device information (type, operating system)
- Website usage data (pages visited, time spent, referring sites)
- Cookies and similar tracking technologies
3. Data Sharing and Disclosure
3.1 We Do NOT Sell Your Data
Important: LifeProtectPlus does not sell, rent, or trade your personal information to third parties for marketing purposes.
3.2 Limited Sharing Scenarios
We may share your information only in these specific circumstances:
- Service Providers: Trusted third parties who help us operate our service (insurance carriers, SMS/email providers, analytics tools) under strict confidentiality agreements
- Legal Requirements: When required by law, court order, or government request
- Business Transfers: In the event of a merger, acquisition, or sale of assets (with notice to users)
- Protection of Rights: To protect the safety and rights of LifeProtectPlus, our users, or the public
4. Information Sharing and Disclosure
We may share your information in the following circumstances:
Insurance Partners
We share your information with insurance carriers and licensed agents to provide you with quotes and facilitate insurance purchases. These partners are contractually obligated to protect your information.
Service Providers
We may share information with third-party service providers who help us operate our business, such as technology providers, marketing services, and customer support platforms.
Legal Requirements
We may disclose information when required by law or to:
- Comply with legal processes or government requests
- Protect our rights and property
- Ensure user safety and prevent fraud
- Investigate violations of our terms of service
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
Security Measures Include:
- SSL/TLS encryption for data transmission
- Secure data storage with industry-standard encryption
- Regular security audits and vulnerability assessments
- Access controls and authentication requirements
- Employee training on data protection practices
Your Data is Protected
We use bank-level security measures to protect your information. However, no method of transmission over the Internet or electronic storage is 100% secure. We continuously work to improve our security practices.
6. Your Privacy Rights
You have the following rights regarding your personal information:
Access and Portability
- Request access to your personal information
- Receive a copy of your data in a portable format
- Know what information we have about you
Correction and Updates
- Correct inaccurate or incomplete information
- Update your contact preferences
- Modify your account settings
Deletion and Restriction
- Request deletion of your personal information
- Restrict certain types of processing
- Object to specific uses of your data
To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.
8. Third-Party Services
Our website may contain links to third-party websites or integrate with third-party services. This privacy policy does not apply to third-party sites or services.
Third-Party Services We Use:
- Google Analytics for website analytics
- Customer relationship management (CRM) systems
- Email marketing platforms
- Social media plugins
We encourage you to review the privacy policies of any third-party sites or services you interact with through our website.
9. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes outlined in this privacy policy and to comply with legal obligations.
Retention Periods:
- Account Information: Retained while your account is active
- Quote Information: Retained for up to 7 years for regulatory compliance
- Marketing Data: Retained until you opt out or for 3 years
- Website Analytics: Typically retained for 26 months
When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention schedule.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.
If we become aware that we have collected personal information from a child under 18 without parental consent, we will take steps to remove that information from our servers.
11. California Privacy Rights (CCPA)
If you are a California resident, you have additional privacy rights under the California Consumer Privacy Act (CCPA).
Your California Rights Include:
- The right to know what personal information we collect
- The right to know if we sell or share your information
- The right to access your personal information
- The right to delete your personal information
- The right to non-discrimination for exercising your rights
To exercise your California privacy rights, please contact us at [email protected] or call (833) 828-1201.
12. International Users
Our services are primarily intended for users in the United States. If you are accessing our services from outside the United States, your information may be transferred to and processed in the United States.
By using our services, you consent to the transfer of your information to the United States and its processing in accordance with this privacy policy.
13. Changes to This Privacy Policy
We may update this privacy policy from time to time. We will notify you of any material changes by posting the new privacy policy on this page and updating the "Last Updated" date.
We encourage you to review this privacy policy periodically to stay informed about how we protect your information.
14. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
LifeProtectPlus Privacy Team
Address: 111 W. Jackson Chicago Illinois 60604
Phone: +1 (833) 828-1201
Email: [email protected]
We are committed to resolving any privacy concerns you may have. We will respond to your inquiry within 30 days of receiving it.
For general customer service inquiries, please visit our contact page or email us at [email protected].