Privacy Policy

1. Our Commitment to Your Privacy

At IUL Pro, we take the privacy of your personal information seriously. This Privacy Policy explains what information we collect when you visit our website (www.iul.pro) or contact us, how we use and protect it, and what rights you have over it.

By using our Site or submitting information to us, you agree to the practices described in this Policy.

2. Information We Collect

We collect information in the following ways:

Information you provide directly:

• Name, email address, and phone number (when you fill out a form or book a call)
• General financial or insurance-related information you share during consultations
• Messages or inquiries submitted through our contact forms

Information collected automatically:

• IP address, browser type, and device information
• Pages visited, time spent on the Site, and navigation paths
• Referral source (how you found our Site)
• Cookies and similar tracking technologies

3. How We Use Your Information

We do not sell your personal information to third parties for their own marketing purposes.

4. How We Share Your Information

We may share your information in the following limited circumstances:

• Licensed Agents: To obtain quotes or process applications on your behalf, with your knowledge and consent
• Service Providers: Trusted vendors who help us operate our Site or business (e.g., scheduling tools, CRM platforms, email services) — bound by confidentiality agreements
• Legal Requirements: When required by law, court order, or to protect the rights and safety of IUL Pro or others
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

5. Cookies & Tracking

Our Site uses cookies and similar technologies to improve your browsing experience, analyze traffic, and support our marketing efforts. Cookies are small text files stored on your device.

We may use:

• Essential cookies — necessary for the Site to function properly
• Analytics cookies — to understand how visitors use our Site (e.g., Google Analytics)
• Marketing cookies — to deliver relevant content and ads based on your interests

You can control or disable cookies through your browser settings at any time. Disabling certain cookies may limit some Site functionality.

6. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, or misuse. These include secure data transmission (HTTPS), restricted access to personal data, and vetted third-party platforms.

While we work hard to protect your information, no method of transmission over the internet is completely secure. We cannot guarantee absolute security of your data.

7. Your California Privacy Rights (CCPA)

As a California-based company serving California residents, we honor your rights under the California Consumer Privacy Act (CCPA). If you are a California resident, you have the right to:

To exercise any of these rights, please contact us at [email protected]. We will respond within 45 days as required by law.

8. Marketing Communications

If you have opted in to receive emails or text messages from us, you may opt out at any time by:

• Clicking the "Unsubscribe" link in any marketing email we send
• Replying STOP to any text message from us
• Emailing us at [email protected] with your request

Opting out of marketing communications will not affect service-related communications necessary to fulfill your requests.

9. Children's Privacy

Our Site is not directed at children under the age of 18, and we do not knowingly collect personal information from minors. If you believe a child has provided us with personal information, please contact us immediately and we will promptly delete it.

10. Third-Party Links

Our Site may contain links to third-party websites (such as carrier portals or scheduling tools). We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to securely delete or anonymize it.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this Policy periodically. Your continued use of our Site after any update constitutes acceptance of the revised Policy.