Privacy Policy

1. Introduction

SurePath Quotes LLC ("SurePath," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at surepathquotes.com (the "Site") and use our related services, features, and applications (collectively, the "Services").

By using our Services, you consent to the data practices described in this Privacy Policy. If you do not agree with the practices described herein, please do not use our Services.

2. Information We Collect

We collect several types of information from and about users of our Services:

a. Personal Information You Provide

When you use our quote comparison tools, submit an application, subscribe to our newsletter, or contact us, you may provide information including:

• Contact Information: First name, last name, email address, phone number
• Demographic Information: Date of birth, gender, state of residence
• Health Information: General health status (e.g., excellent, good, fair), tobacco use status
• Financial Information: Annual income, mortgage balance, other debts, number of dependents, education funding needs, desired income replacement period

b. Information Collected Automatically

When you access our Services, we may automatically collect certain information, including:

• Device Information: IP address, browser type and version, operating system, device type
• Usage Information: Pages viewed, links clicked, referring URLs, date and time of visits, time spent on pages
• Location Information: Approximate geographic location based on IP address

c. Information from Third Parties

We may receive information about you from third parties, including insurance carriers that provide quote data, analytics providers, and advertising partners.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide and Operate Services: To generate personalized life insurance quotes, calculate recommended coverage amounts, facilitate insurance applications, and provide AI-powered assistance
• Communications: To send you quotes, application updates, and respond to your inquiries
• Marketing: To send newsletters, educational content, and promotional materials (with your consent, and you may opt out at any time)
• Improvement: To analyze usage patterns, improve our Services, and develop new features
• Security: To detect, prevent, and address fraud, unauthorized access, and other illegal activities
• Legal Compliance: To comply with applicable laws, regulations, and legal processes

4. How We Share Your Information

We may share your information in the following circumstances:

• Insurance Carriers: We share your demographic, health, and contact information with licensed insurance carriers (such as Foresters, Banner Life, Savings Bank Life, and United of Omaha) in order to obtain quotes and process applications on your behalf. These carriers are bound by their own privacy policies and regulatory requirements.
• Licensed Insurance Professionals: We may share your information with licensed insurance agents and advisors who assist in reviewing your application and providing personalized guidance.
• Service Providers: We share information with trusted third-party vendors who assist us in operating our Services, including hosting providers, analytics platforms, CRM systems, and email service providers. These providers are contractually obligated to use your information only for the purposes we specify.
• Legal and Regulatory: We may disclose your information when required by law, regulation, subpoena, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, reorganization, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

5. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect usage data and improve our Services. These technologies help us:

• Remember your preferences and settings
• Understand how you interact with our Services
• Analyze site traffic and usage patterns
• Deliver relevant content and advertising

Managing Cookies: Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all or some cookies, or to alert you when cookies are being sent. Please note that if you disable cookies, some features of our Services may not function properly.

6. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit and at rest, access controls, and regular security assessments.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security. You acknowledge that you provide your personal information at your own risk.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. The retention period may vary depending on the context and our legal obligations:

• Quote and Application Data: Retained for up to 7 years for regulatory compliance and record-keeping
• Account Information: Retained for the duration of your relationship with us and for a reasonable period thereafter
• Usage Data: Generally retained for up to 24 months for analytics purposes
• Marketing Preferences: Retained until you opt out or request deletion

8. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete personal information
• Deletion: Request that we delete your personal information, subject to certain legal exceptions
• Opt-Out: Opt out of receiving marketing communications at any time
• Withdrawal of Consent: Where processing is based on consent, you may withdraw that consent at any time
• Data Portability: Request a copy of your data in a structured, commonly used, machine-readable format

To exercise any of these rights, please contact us using the information provided in Section 13 below. We will respond to your request within the timeframe required by applicable law.

9. California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with additional rights regarding your personal information:

• Right to Know: You may request details about the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purposes for collection, and the categories of third parties with whom we share your information
• Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights
• No Sale of Personal Information: We do not sell personal information as defined under the CCPA/CPRA

10. Children's Privacy

Our Services are not directed to, and we do not knowingly collect personal information from, individuals under the age of 18. If we learn that we have collected personal information from a person under 18, we will take steps to delete that information promptly. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Third-Party Links and Services

Our Services may contain links to third-party websites, services, or applications that are not operated by us. This Privacy Policy does not apply to those third-party services, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party services before providing your personal information.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. If we make material changes, we will notify you by updating the "Effective Date" below and, where required by law, provide additional notice (such as posting a notice on our Site or sending you an email). We encourage you to review this Privacy Policy periodically.

13. Contact Us

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

• Email: justin@surepathquotes.com
• Phone: (949) 742-5379
• Website: surepathquotes.com/contact