Privacy Policy

Effective Date: January 1, 2025

Introduction

Welcome to Heritage Life Solutions Inc. I respect your privacy and am committed to protecting your personal information. This Privacy Policy explains how I collect, use, disclose, and safeguard your information when you visit my website or engage my services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use my services.

Information I Collect

Personal Information You Provide

When you contact me or request a quote, I may collect personal information that you voluntarily provide, including:

• Contact Information: Name, email address, phone number, and mailing address
• Demographic Information: Age, date of birth, gender, and marital status
• Financial Information: Income, assets, and existing insurance coverage (for quote purposes only)
• Health Information: General health status and medical history (as needed for insurance applications)
• Employment Information: Occupation and employer details

Information Collected Automatically

When you visit my website, certain information may be collected automatically, including:

• Browser type and version
• Operating system
• IP address
• Pages visited and time spent on pages
• Referring website addresses
• Device information

This information is collected through cookies and similar tracking technologies to improve your experience on my website.

How I Use Your Information

I use the information I collect to:

• Provide insurance quotes and policy recommendations
• Process insurance applications on your behalf
• Communicate with you about your insurance needs
• Respond to your inquiries and requests
• Send you relevant information about products and services that may interest you
• Improve my website and services
• Comply with legal obligations and insurance regulations

Information Sharing and Disclosure

I may share your information in the following circumstances:

Insurance Carriers

To provide you with quotes and process applications, I share necessary information with insurance carriers and their underwriting departments. This is essential to my services as an independent insurance agent.

Service Providers

I may share your information with third-party service providers who assist with website hosting, data analysis, customer service, and marketing efforts. These providers are contractually obligated to protect your information.

Legal Requirements

I may disclose your information if required by law, court order, or government regulation, or if I believe disclosure is necessary to protect my rights, your safety, or the safety of others.

Business Transfers

If Heritage Life Solutions Inc. is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Data Security

I 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 I cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: You may request a copy of the personal information I hold about you
• Correction: You may request that I correct inaccurate or incomplete information
• Deletion: You may request that I delete your personal information, subject to certain exceptions
• Opt-Out: You may opt out of receiving marketing communications from me at any time

To exercise any of these rights, please contact me using the information provided below.

Cookies and Tracking Technologies

My website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies are small data files stored on your device. You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain features on my website.

Third-Party Links

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

Children’s Privacy

My services are not directed to individuals under 18 years of age. I do not knowingly collect personal information from children. If I become aware that I have collected personal information from a child without parental consent, I will take steps to delete that information.

Changes to This Privacy Policy

I may update this Privacy Policy from time to time to reflect changes in my practices or legal requirements. Any changes will be posted on this page with an updated effective date. I encourage you to review this Privacy Policy periodically.

Illinois-Specific Disclosures

As an Illinois-licensed insurance producer, I comply with all applicable Illinois insurance regulations regarding the collection, use, and protection of consumer information. Illinois residents may have additional rights under state law.