Privacy Policy

1. Introduction

Legacy Guardian ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website mylegacyguardian.com, use our insurance calculators, or engage with our services.

Please read this Privacy Policy carefully. By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide when you:

• Use our Term Life Insurance Calculator or IUL Calculator
• Request a consultation or quote
• Subscribe to our newsletter or communications
• Contact us via phone, email, or our website
• Create an account or profile

This information may include:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, date of birth, gender
• Financial Information: Annual income, monthly contribution amounts, coverage needs
• Health Information: General health status for insurance quoting purposes
• Communication Preferences: Opt-in/opt-out status for SMS and email communications

2.2 Information Automatically Collected

When you visit our website, we automatically collect certain information, including:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, click patterns, referring URLs
• Location Data: General geographic location based on IP address
• Cookies and Tracking Technologies: Information collected through cookies, pixel tags, and similar technologies

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Marketing partners and advertising networks
• Social media platforms (if you interact with us through social media)
• Insurance carriers and partners
• Analytics providers

3. How We Use Your Information

We use the information we collect for various purposes, including:

3.1 Providing Services

• Processing your insurance calculator requests and generating estimates
• Connecting you with appropriate insurance solutions and carriers
• Scheduling and facilitating consultations
• Responding to your inquiries and requests

3.2 Communications

• Sending appointment reminders and follow-up messages via SMS and email
• Providing educational content about insurance and financial planning
• Notifying you of important updates to our services or policies
• Marketing communications (with your consent)

3.3 Business Operations

• Analyzing usage patterns to improve our website and services
• Preventing fraud and ensuring security
• Complying with legal obligations
• Conducting research and analytics

4. SMS/Text Message Communications

If you provide your phone number and consent to receive SMS communications, you agree to receive text messages from Legacy Guardian. These messages may include:

• Thank you messages after using our calculators
• Follow-up reminders about scheduling consultations
• Appointment confirmations and reminders
• Important updates about your insurance inquiry

SMS Opt-Out

You can opt out of SMS communications at any time by replying STOP to any message. You may also use: STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT. You will receive a confirmation message and no further SMS messages will be sent unless you opt back in.

SMS Opt-In

To resume SMS communications after opting out, reply START, UNSTOP, or YES to any of our messages or provide consent again through our website.

SMS Help

For assistance with SMS communications, reply HELP or INFO to any message, or contact us at (954) 240-3773.

Message and data rates may apply. Message frequency varies based on your interaction with our services. Carriers are not liable for delayed or undelivered messages.

5. Information Sharing and Disclosure

We may share your information in the following circumstances:

5.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Website hosting and maintenance
• SMS and email communication services (Twilio)
• Analytics and marketing services (Meta/Facebook)
• Customer relationship management systems
• Appointment scheduling platforms (OnceHub)

5.2 Insurance Partners

To provide you with insurance quotes and services, we may share your information with our insurance carrier partners, including but not limited to:

• Mutual of Omaha
• Lincoln Financial
• Pacific Life
• Nationwide
• Transamerica
• National Life Group
• OneAmerica
• Allianz Life

5.3 Legal Requirements

We may disclose your information if required by law or in response to:

• Legal processes (subpoenas, court orders)
• Government requests
• To protect our rights, privacy, safety, or property
• To enforce our terms and agreements

5.4 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Understand how you use our website
• Analyze website traffic and performance
• Deliver targeted advertising
• Measure the effectiveness of our marketing campaigns

6.1 Types of Cookies We Use

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements

6.2 Meta (Facebook) Pixel

We use the Meta Pixel to track conversions, optimize ads, build targeted audiences, and remarket to people who have taken actions on our website. This technology may collect information about your browsing activity.

You can manage your cookie preferences through your browser settings. Please note that disabling certain cookies may affect website functionality.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit (SSL/TLS)
• Secure data storage with access controls
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records as required by law

When information is no longer needed, we securely delete or anonymize it.

9. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of marketing communications and SMS messages
• Portability: Request your data in a portable format
• Restrict Processing: Request limitation of how we use your data

To exercise these rights, please contact us using the information provided below.

10. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know whether your information is sold or disclosed
• Right to say no to the sale of personal information
• Right to equal service and price (non-discrimination)

We do not sell personal information. To submit a CCPA request, contact us at the information below.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately so we can delete it.

12. Third-Party Links

Our website may contain links to third-party websites, including our insurance partners and scheduling platform. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically. Continued use of our services after changes constitutes acceptance of the updated policy.

14. Contact Us

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