Privacy Policy

Effective Date: December 5, 2024

1. Introduction

ItsPhiLife ("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 or use our life insurance services. By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

Personal Information

We may collect personal information that you provide directly to us, including but not limited to:

• Name, address, and contact information
• Date of birth and Social Security number
• Health and medical information
• Financial information
• Beneficiary information
• Employment information

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website addresses

3. How We Use Your Information

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

• Processing life insurance applications and claims
• Underwriting and risk assessment
• Providing customer service and support
• Sending policy documents and important notices
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Improving our services and website functionality
• Marketing our products and services (with your consent)

4. How We Share Your Information

We may share your information with:

• Insurance Carriers: To obtain quotes and process applications
• Service Providers: Third parties who assist us in operating our business
• Medical Professionals: For underwriting purposes (with your consent)
• Legal and Regulatory Bodies: As required by law or regulation
• Business Transfers: In connection with any merger, sale, or acquisition

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, firewalls, and restricted access to personal information.

6. Your Rights and Choices

You have certain rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Request corrections to inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Opt-Out: Opt out of marketing communications
• Do Not Sell: We do not sell your personal information

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our website.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

9. State-Specific Rights

California Residents

Under the California Consumer Privacy Act (CCPA), California residents have additional rights including the right to know what personal information is collected, used, shared, or sold.

Other State Rights

Residents of other states may have additional rights under state privacy laws. Please contact us for information specific to your state.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.

11. Contact Us

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

ItsPhiLife
7125 Thomas Edison Dr
Columbia, MD 21046
Phone: (443) 351-6755
Email: support@itsphilife.com