Privacy Policy

1. Information We Collect

The information we collect depends on how you interact with our Website and the information you choose to provide.

Information You Provide

When you submit a request or contact us, we may collect information such as:

• Name
• Telephone number
• Email address
• ZIP code or general location
• Information about your life insurance inquiry
• Communication preferences
• Information contained in messages or communications you send to us

2. Information Collected Automatically

When you visit our Website, certain technical information may be collected automatically, including:

• IP address
• Browser and device type
• Operating system
• Pages visited
• Date and time of visits
• Referring website or page
• General geographic information derived from IP address
• Website interactions and navigation information
• Cookie and similar technology information

This information may be used to maintain Website functionality, understand Website usage, measure advertising performance, improve our Website, and help protect against fraudulent or abusive activity.

3. Cookies and Similar Technologies

We may use cookies, pixels, tags, analytics tools, and similar technologies to:

• Operate and improve the Website
• Understand how visitors use our Website
• Measure advertising and marketing performance
• Understand conversion activity
• Maintain Website security
• Improve the user experience

You may control certain cookies through your browser settings or available cookie-preference tools. Disabling certain cookies may affect some Website functionality.

4. How We Use Information

We may use information collected through the Website to:

• Respond to your request or inquiry
• Contact you regarding the information or assistance you requested
• Connect you with appropriately licensed independent insurance agents
• Facilitate the delivery of your lead request to applicable service providers
• Communicate with you by telephone, email, or text message where permitted and where applicable consent has been provided
• Operate, maintain, and improve our Website
• Measure advertising and marketing performance
• Detect and prevent fraud, abuse, and security issues
• Maintain business and operational records
• Comply with applicable laws and legal obligations

5. Connecting You With Independent Insurance Agents

When you submit a request through the Website, information you provide may be shared with appropriately licensed independent insurance agents or other applicable service providers who may contact you regarding your request.

The purpose of sharing this information is to facilitate the response to the request you submitted.

The independent insurance professional who contacts you is responsible for any insurance advice, quote, application, recommendation, policy, coverage decision, or other insurance service they provide. Digital Sphere LLC does not act as the insurance agent or carrier.

Availability of independent insurance professionals varies by state, eligibility, and the nature of your request.

6. Telephone and SMS Communications

If you provide your telephone number and provide applicable consent, you may receive telephone calls or text messages regarding your request. Communications may include:

• Follow-up regarding your inquiry
• Requests for additional information
• Information related to your request
• Communications from an appropriately licensed independent insurance agent

Where permitted by applicable law and supported by the applicable consent, calls or text messages may use automated technology or prerecorded messages.

7. How We Share Information

We may share information with third parties when necessary to operate the Website, respond to your request, provide requested communications, or perform legitimate business functions. Depending on the circumstances, these parties may include:

8. Information We Do Not Collect Through General Forms

Our general lead-generation forms are not intended to collect information such as:

• Social Security numbers
• Bank account numbers
• Credit-card numbers
• Medical records
• Detailed medical histories

unless a specific form expressly requests such information and provides appropriate notice.

Do not submit sensitive personal information through a general inquiry form.

9. Data Retention

We retain information for only as long as reasonably necessary for the purposes described in this Privacy Policy, including responding to requests, maintaining business records, complying with legal obligations, resolving disputes, preventing fraud, and maintaining security.

Retention periods may vary depending on the type of information and the purpose for which it was collected.

When information is no longer reasonably required, we may delete, anonymize, or securely dispose of it, subject to applicable legal and operational requirements.

10. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, use, alteration, or disclosure.

However, no method of transmitting or storing information online can be guaranteed to be completely secure.

11. Third-Party Websites

Our Website may contain links or connections to third-party websites or services.

We do not control the privacy practices, content, or policies of third parties. Your interactions with third-party websites are subject to their respective privacy policies and terms.

12. Your Choices

Depending on applicable law, you may have rights concerning your personal information, including the right to:

• Request access to certain personal information
• Request correction of inaccurate information
• Request deletion of certain information
• Opt out of certain marketing communications
• Opt out of applicable text-message communications
• Exercise applicable privacy rights without unlawful discrimination

Some rights may be subject to legal exceptions or verification requirements. To make a privacy request, contact us using the information below.

13. California Privacy Rights

If you are a California resident, applicable California privacy laws may provide additional rights regarding your personal information. Depending on the circumstances and applicable law, these rights may include:

• Right to know about personal information collected
• Right to request deletion
• Right to request correction
• Right to opt out of certain sales or sharing of personal information
• Right to limit certain uses of sensitive personal information, where applicable
• Right to non-discrimination for exercising applicable privacy rights

The availability of a particular right depends on the circumstances and applicable law. We may need to verify your identity before completing certain requests. To submit a privacy request, contact us using the contact information below.

14. Do Not Sell or Share Requests

Where applicable, California residents may have the right to opt out of certain forms of selling or sharing of personal information as defined by California law.

If your Website uses advertising or analytics technologies that constitute a regulated “sale” or “sharing,” appropriate opt-out mechanisms should be provided.

You may also use a recognized Global Privacy Control signal where legally applicable.

15. Children's Privacy

LifeInsuranceServices.us is not directed toward children under the age of 18.

We do not knowingly request personal information from children under 18 through our general lead-generation forms.

If you believe a child has submitted personal information to us, please contact us so that we can review the information and take appropriate action.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our Website, business practices, technology, or applicable legal requirements.

When we make changes, we will update the Last Updated date at the top of this page. We encourage you to review this Privacy Policy periodically.

17. Contact Us

For questions about this Privacy Policy or privacy-related requests, please contact: