Last updated: September 22, 2025

This Privacy Policy explains how Policy Assistants collects, uses, and protects your personal information when you use our website and lead generation services. By using our service, you consent to the collection and use of your personal information as described in this policy.

1. What Personal Information We Collect

Information You Provide: When you request IUL quotes through our service, we collect information including your name, contact information (phone number and email), age, state of residence, income range, insurance interests, contribution goals, and any specific questions or preferences you provide.

Automatically Collected Information: We automatically collect certain information when you visit our website, including your IP address, browser type, device information, pages visited, time spent on our site, and referring website information through cookies and similar technologies.

2. How We Use Your Personal Information

Primary Uses: We use your personal information to match you with licensed insurance professionals in your state, enable professionals to provide accurate and personalized IUL quotes, facilitate communication between you and insurance professionals, and improve our matching process and service quality.

Communication: We may use your contact information to send you information about our services, updates about your quote requests, and important notices about our privacy policy or terms of service. You may opt out of marketing communications at any time.

3. How We Share Your Personal Information

Licensed Insurance Professionals: We share your contact information, basic demographic information, insurance interests and goals, and any specific questions or preferences with licensed insurance professionals in your state who specialize in IUL products. These professionals may contact you directly to discuss your insurance needs and provide quotes.

Service Providers: We may share your information with trusted service providers who help us operate our website and provide our services, including hosting providers, email services, analytics providers, and customer support tools. These providers are contractually obligated to protect your information.

Legal Requirements: We may disclose your personal information when required by law, to comply with legal processes, to respond to government requests, or to protect our rights, property, or safety, or that of our users or the public.

Business Transfers: In the event of a merger, acquisition, or sale of our business, your personal information may be transferred to the new owner as part of the transaction.

4. Agent and Insurance Professional Data Sharing

What We Share with Insurance Professionals: When you request quotes, we provide licensed professionals with your contact information, basic demographic details needed for accurate quotes, your insurance interests and contribution goals, and any specific questions or preferences you've indicated.

Why We Share This Information: This sharing enables professionals to provide accurate, personalized quotes that meet your specific needs, ensures quotes comply with your state's insurance regulations, and facilitates direct communication between you and qualified professionals.

Professional Standards: All insurance professionals in our network must be licensed in your state, have demonstrated experience with IUL products, maintain good standing with state insurance departments, and agree to our privacy and communication standards.

Your Control: You may request to stop communications from any professional at any time, choose which professionals to work with (if any), and request removal of your information from our system by contacting us.

5. Cookies and Similar Technologies

We use cookies and similar technologies to enhance your experience on our website, analyze how our service is used, personalize content and advertisements, and remember your preferences and settings.

Managing Cookies: Most browsers allow you to control cookies through their settings. You can choose to block or delete cookies, though this may limit some functionality of our website. You can also opt out of certain tracking technologies through industry opt-out tools.

6. 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 completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your personal information at any time, subject to legal requirements.

8. Your Privacy Rights

Access and Correction: You have the right to access the personal information we have about you and request corrections if it's inaccurate or incomplete.

Deletion: You may request that we delete your personal information, subject to certain legal exceptions.

Opt-Out: You can opt out of marketing communications and certain data processing activities.

Portability: You may request a copy of your personal information in a portable format.

To exercise these rights, please contact us at [email protected].

9. Children's Privacy

Our service is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will promptly delete such information.

10. Third-Party Links

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

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on our website with a new "Last updated" date. Material changes will be communicated through email or prominent notice on our website.

12. State-Specific Privacy Rights

Residents of certain states may have additional privacy rights under state law. If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA). Please contact us for information about exercising state-specific privacy rights.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Email: [email protected]
Website: policyassistants.com

We will respond to your inquiry within a reasonable timeframe and work to address any concerns you may have about our handling of your personal information.