Privacy Policy

Privacy Policy for Policy Insightz

Effective Date: [02/12/2025]

Last Updated: [02/12/2025]

Privacy Policy

Interpretation The words with capitalized initial letters have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions For the purposes of this Privacy Policy:

• Account means a unique account created for You to access our Service or parts of our Service.
• Business, for the purpose of the California Consumer Privacy Act (“CCPA”), refers to Policy Insightz as the legal entity that collects Consumers’ personal information and determines the purposes and means of the processing of Consumers’ personal information, or on behalf of which such information is collected.
• Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Policy Insightz, [Your Address].
• Consumer, for the purpose of the CCPA, means a natural person who is a California resident.
• Cookies are small files placed on Your device by a website, containing details of Your browsing history and preferences.
• Country refers to: United States.
• Device means any device that can access the Service such as a computer, a cellphone, or a tablet.
• Do Not Track (DNT) is a concept promoted by US regulatory authorities allowing users to control tracking of online activities across websites.
• Personal Data means any information that identifies an individual. For the purposes of the CCPA, it includes data capable of being associated with a consumer.
• Sale, for the purpose of the CCPA, means selling or sharing personal data for monetary or other valuable consideration.
• Service refers to the Website as well as the service of offering life insurance and related products.
• Service Provider means any entity that processes data on behalf of the Company.
• Third-party Social Media Service refers to websites where Users can log in or create an account to use the Service.
• Website refers to Policy Insightz, accessible from [Your Website URL].
• You means the individual using the Service or the company on behalf of which such individual is accessing the Service.

Collecting & Using Your Personal Data

Types of Data Collected

Personal Data While using Our Service, We may ask You to provide certain personally identifiable information, including but not limited to:

• Email address
• First and last name
• Phone number
• Address, State, ZIP/Postal code, City
• Age and Date of Birth
• Medical History
• Drug/Alcohol Use
• Coverage Information / Amounts of interest

Usage Data Usage Data is collected automatically when using the Service. It may include information such as Your Device’s IP address, browser type, pages visited, time spent on pages, and other diagnostic data.

Tracking Technologies and Cookies We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. You can instruct Your browser to refuse all Cookies. However, some Service features may not function properly without Cookies.

Use of Your Personal Data We may use Personal Data for the following purposes:

• To provide and maintain our Service
• To manage Your Account
• To contact You regarding Your use of the Service
• To provide You with promotional offers, unless You have opted out
• To manage Your requests
• For business transfers, including mergers, acquisitions, and sales of company assets
• For legal compliance and law enforcement requirements

Retention of Your Personal Data The Company retains Your Personal Data only as necessary for compliance with legal obligations, dispute resolution, and enforcement of agreements.

Disclosure of Your Personal Data

Business Transactions If the Company is involved in a merger, acquisition, or asset sale, Your Personal Data may be transferred.

Law Enforcement & Other Legal Requirements The Company may disclose Your Personal Data if required by law or in response to lawful requests by public authorities.

Security of Your Personal Data We take reasonable precautions to protect Your Personal Data. However, no method of transmission over the Internet or electronic storage is 100% secure.

CCPA Privacy If You are a California resident, You have the following rights under the CCPA:

• The right to notice about the collection of Your Personal Data.
• The right to request access to Your Personal Data.
• The right to opt out of the sale of Personal Data.
• The right to request deletion of Your Personal Data.
• The right not to be discriminated against for exercising Your rights.

To exercise Your rights, contact Us through our contact page.

“Do Not Track” Requests Our Service does not respond to Do Not Track signals. However, You can set Your browser preferences accordingly.

Links to Other Websites Our Service may contain links to third-party websites. We are not responsible for their content or privacy practices.

Changes to This Privacy Policy We may update this Privacy Policy from time to time. We will notify You via email or a prominent notice on Our Service prior to changes taking effect.

Need help? Email us at [email protected]

Call us at +1 (216) 236-8486