1. Scope
This Privacy Policy explains how IUL Live Transfers collects, uses, discloses, retains, and protects personal information submitted through this website. This site is intended for licensed insurance professionals and authorized representatives of agencies, not consumers seeking an insurance policy.
2. Information we collect
When you submit an availability request, we may collect:
- Name and business or agency name
- Work email address and telephone number
- Licensed states, buyer type, and desired weekly transfer volume
- Information you voluntarily include in communications with us
- Technical information such as IP address, browser type, device information, referring page, and basic website activity when analytics or security tools are enabled
We do not request Social Security numbers, financial account information, health information, or payment-card details through the availability form.
3. Why we use your information
We use personal information to evaluate buyer fit, review licensing and requested markets, respond to inquiries, discuss live-transfer availability, administer the new-buyer offer, maintain business records, secure and improve the website, and comply with legal obligations.
4. Notice at collection
The form collects identifiers and professional information for the purposes described above. We do not sell personal information and do not share it for cross-context behavioral advertising. We may disclose it to service providers that support hosting, communications, customer relationship management, security, analytics, and business operations under instructions to use it only for the applicable service.
5. Contact permission
By checking the consent box and submitting the form, you authorize us to collect and use the information you provide to evaluate your request and contact you by telephone or email about IUL Live Transfers. This consent does not authorize unrelated automated marketing calls or texts, is not a condition of purchasing any product, and may be withdrawn by telling us during a call or using the contact options below.
6. Retention
Availability-request records may be retained for up to 24 months after the last meaningful interaction. Records may be kept longer when reasonably necessary to complete a transaction, maintain required business or consent records, resolve disputes, prevent fraud, or comply with law. Information that is no longer reasonably needed is deleted or de-identified.
7. Your privacy choices
Subject to applicable law, you may ask to know what personal information we hold about you, obtain a copy, correct inaccurate information, request deletion, or withdraw permission for future contact. We will verify requests reasonably and will not discriminate against you for exercising an applicable privacy right.
8. Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No internet transmission or storage system is guaranteed to be completely secure, so please do not send sensitive personal or financial information through the availability form.
9. Children
This website is for business users and is not directed to children under 13. We do not knowingly collect personal information from children through this site.
10. Updates
We may update this policy as our practices or legal obligations change. The effective date at the top will identify the latest version. Material changes will be presented through an appropriate website notice.
11. Contact us
To make a privacy request or ask a question, call 855-978-0710.