Privacy Policy

1. Introduction

Life Catlin Insurance LLC ("we," "us," or "our") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website lifecatlininsurance.com, use our services, or communicate with us via phone, email, or text message.

2. Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, phone number, email address, and mailing address
• Demographic Information: Date of birth, age, gender, and state of residence
• Insurance-Related Information: Health history, coverage preferences, beneficiary details, and policy information as needed to provide quotes and service your policies
• Communication Records: Records of calls, texts, and emails exchanged with our office
• Website Usage Data: IP address, browser type, pages visited, and referring URLs collected via cookies and analytics tools

3. How We Use Your Information

We use the information we collect to:

• Provide life insurance and Medicare quotes and recommendations
• Process and service insurance applications and policies
• Communicate with you about your policies, appointments, and account updates
• Send appointment reminders and policy notifications via SMS/text message
• Respond to your inquiries and provide customer support
• Improve our website and services
• Comply with legal and regulatory obligations

4. SMS/Text Messaging Policy

When you provide your mobile phone number and consent to receive text messages from Life Catlin Insurance LLC, the following applies:

• We may send you text messages related to appointment reminders, policy updates, account notifications, customer care communications, and promotional/marketing information about our insurance services.
• Message frequency varies based on your account activity.
• Message and data rates may apply depending on your mobile carrier plan.
• You may opt out at any time by replying STOP to any message.
• For help, reply HELP or call us at 401-287-2737.

5. Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

• Insurance Carriers: To obtain quotes and process applications on your behalf
• Service Providers: With trusted vendors who assist us in operating our business (e.g., CRM systems, communication platforms), subject to confidentiality obligations
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to analyze site traffic and improve user experience. You can control cookie preferences through your browser settings. We use Google Analytics and Google AdSense, which may collect anonymized usage data.

8. Third-Party Advertisers and Google AdSense

This website is monetized in part through Google AdSense, a third-party advertising service operated by Google LLC. Google AdSense uses cookies to serve ads based on your interests and your prior visits to our website or other websites on the internet.

Key points about third-party advertising on this site:

• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website and other websites.
• Users may opt out of personalized advertising by visiting www.aboutads.info/choices.
• We do not control the content of advertisements served by Google AdSense or other third-party advertisers.
• Advertisements displayed on this site are not endorsements by Life Catlin Insurance LLC.
• The appearance of an advertisement on this website does not constitute a recommendation of any product or service by Life Catlin Insurance LLC.

Life Catlin Insurance LLC participates in the Google AdSense program. As required by Google, we disclose that third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our site or other sites on the internet. Users may opt out of personalized advertising by visiting Google Ads Settings. Our advertising data is not combined with your insurance application or personal health information.

9. California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information. These rights include the right to know what personal information we collect about you, the right to request deletion of that information, and the right to opt out of the sale of your personal information. We do not sell personal information to third parties for monetary consideration.

To exercise your CCPA rights, please contact us using the information in the Contact Us section below. We will respond to verifiable consumer requests within 45 days as required by California law and will not discriminate against you for exercising your rights.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including satisfying any legal, accounting, or reporting requirements. Insurance-related records may be retained for a minimum of seven (7) years as required by state insurance regulations.

When your personal information is no longer necessary, we will securely delete or anonymize it in accordance with applicable law and our data retention policies.

11. Do Not Track Signals

Some browsers have a "Do Not Track" (DNT) feature that lets you tell websites that you do not want to have your online activities tracked. Because there is not yet a common understanding of how to interpret the DNT signal, our website currently does not respond differently based on a user's DNT signal. We will continue to monitor industry guidance and regulatory requirements related to DNT signals.

12. Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of certain data processing activities

To exercise any of these rights, contact us using the information below.

13. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

14. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

15. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: