Effective Date: January 1, 2025
1. Information We Collect
Quick Final Expense Quote ("we," "our," or "us") collects the following types of information when you use our services:
- Personal Information: Name, address, phone number, email address, date of birth, and other identifying information
- Health Information: Basic health questions and medical history as required for insurance quotes
- Financial Information: Income level, existing insurance coverage, and coverage needs
- Technical Information: IP address, browser type, device information, and website usage data
- Communication Records: Phone calls, emails, and chat conversations for quality and training purposes
2. How We Use Your Information
We use your information for the following purposes:
- Providing insurance quotes and recommendations
- Connecting you with licensed insurance agents and carriers
- Processing insurance applications and claims
- Improving our services and website functionality
- Sending you relevant insurance offers and information
- Complying with legal and regulatory requirements
- Preventing fraud and ensuring security
3. Information Sharing
We may share your information with:
- Insurance Companies: Licensed insurers who may provide you with quotes and coverage
- Licensed Agents: Insurance professionals who can assist with your insurance needs
- Service Providers: Third-party companies that help us operate our business
- Business Partners: Other companies in the insurance industry who may offer relevant services
- Legal Authorities: When required by law or to protect our rights and safety
Important: By submitting your information, you consent to being contacted by up to eight (8) licensed insurance companies and agents, even if your number is on a Do Not Call list.
4. Marketing Communications
You may receive marketing communications from us and our partners via:
- Phone calls (including automated/pre-recorded calls)
- Text messages
- Email
- Mail
You can opt out of marketing communications at any time by following the unsubscribe instructions or contacting us directly.
5. Data Security
We implement appropriate security measures to protect your personal information, including:
- Encryption of sensitive data
- Secure data transmission protocols
- Limited access to personal information
- Regular security assessments
- Employee training on data protection
6. Data Retention
We retain your personal information for as long as necessary to:
- Provide our services to you
- Comply with legal obligations
- Resolve disputes
- Enforce our agreements
Typically, we retain information for 7 years or as required by applicable insurance regulations.
7. Your Rights
Depending on your location, you may have the following rights:
- Access to your personal information
- Correction of inaccurate information
- Deletion of your information (subject to legal requirements)
- Restriction of processing
- Data portability
- Objection to certain uses of your information
8. California Privacy Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA), including:
- The right to know what personal information is collected
- The right to delete personal information
- The right to opt-out of the sale of personal information
- The right to non-discrimination for exercising privacy rights
9. Cookies and Tracking
Our website uses cookies and similar technologies to:
- Improve website functionality
- Analyze website traffic and usage
- Personalize your experience
- Deliver targeted advertising
You can control cookie settings through your browser preferences.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on our website with a new effective date.
12. Contact Information
This Privacy Policy was last updated on January 1, 2025. By using our website and services, you acknowledge that you have read and understood this Privacy Policy.