Privacy Policy

This Privacy Policy describes how we collect, use, share, and protect personal information when you use this website and submit a quote request form. This site operates as a marketing and lead generation platform. We are not an insurance agency, broker, or underwriter. We do not sell insurance policies or provide insurance advice. Instead, we collect your information and transfer your inquiry to Elijah Brandow, a licensed insurance professional, who may contact you regarding life insurance options.

By using this website and submitting your information, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use this website.

1. Information We Collect

When you submit the quote request form, we may collect the following types of personal information:

Identifiers: Name, date of birth, state of residence, address, phone number, and email address
Health indicators: Smoker status and basic health categories (as necessary for life insurance quotes)
Other details: Information you choose to provide in the form or in follow-up inquiries

We do not intentionally collect financial account numbers, driver's license or motor vehicle records, biometric identifiers, or protected class data (e.g., race, religion, sexual orientation). All information you provide should be accurate and up to date.

2. How We Use Your Information

We use personal information to:

Transfer your inquiry to licensed insurance professionals
Enable them to contact you regarding life insurance quotes
Maintain records of consent for TCPA and other compliance
Improve our website and user experience
Comply with legal, regulatory, and risk management obligations

We do not use personal information to make automated decisions that have legal or similarly significant effects.

3. How We Share Your Information

We may share personal information only in the following ways:

With Licensed Insurance Professionals — To respond to your inquiry and provide insurance-related assistance
With Technology Providers — For form processing and digital workflows
For Compliance & Legal Reasons — When required by law, regulation, subpoena, or governmental request
Business Transfers — In connection with a merger, acquisition, or sale of assets

We do not sell consumer information in the traditional sense, but we do share inquiries with licensed agents and technology providers for the purpose of connecting you with insurance options.

4. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, demonstrate compliance with applicable regulations, and maintain proper business records. When data is no longer needed, we securely delete or anonymize it.

5. Data Security

We implement commercially reasonable organizational, technical, and administrative safeguards to protect your information. However, no electronic system is 100% secure. We cannot guarantee that unauthorized third parties will never defeat our safeguards. Transmission of personal information is at your own risk.

6. Minors

Our services are intended only for U.S. residents 18 years or older. We do not knowingly collect information from children under 18. If we learn that we have collected personal data from a minor, we will delete it promptly. If you believe we may have collected data from a minor, contact us at EliBrandowFinancial@gmail.com.

7. Your Privacy Rights

Depending on your U.S. state of residence, you may have rights regarding your personal information, including:

Right to know what personal information we collect and share
Right to access a copy of your personal information
Right to request correction of inaccurate information
Right to request deletion of your personal information
Right to opt out of sharing for targeted advertising
Right to non-discrimination for exercising your rights

To exercise these rights, contact us at EliBrandowFinancial@gmail.com. We may require identity verification before fulfilling your request.

8. State-Specific Rights

If you are a resident of California, Virginia, Colorado, Connecticut, Utah, or other states with privacy laws, you may have additional rights regarding your data, including the right to know categories of information collected, the right to request disclosure of third parties your data was shared with, and the right to limit use of sensitive information. We will not discriminate against you for exercising your rights.

9. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be effective as of the date listed above. If we make material changes, we may notify you by posting an announcement on this website or by other reasonable means.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at EliBrandowFinancial@gmail.com or call (720) 270-1458.