Privacy Policy

1. Who we are

Forever Life Group ("Forever Life Group," "we," "us," or "our") is a life insurance agency owned by Gerilyn Rodriguez (NPN 21265268), with an office at 5601 Powerline Rd, Fort Lauderdale, Florida 33309. Our work focuses primarily on Final Expense and Mortgage Protection life insurance for individuals, retirees, families, and homeowners.

Forever Life Group is an insurance agency. We are not an insurance company, and we are not a mortgage lender, bank, or loan servicer.

2. Scope of this policy

This Privacy Policy applies to personal information collected through our website, our online forms, our appointment booking pages, and our related communications with you by phone, text message, and email.

It does not apply to the privacy practices of insurance carriers, lenders, or other independent organizations. Insurance carriers that receive an application or quote request maintain their own privacy notices, which govern how they handle your information.

By using our website or providing information to us, you acknowledge that your information will be handled as described in this Privacy Policy.

3. Information we collect

Information you provide through forms

When you complete a contact form or similar form on our website, we may collect:

• Your full name
• Phone number
• Email address
• State of residence
• The reason for your inquiry, such as Final Expense, Mortgage Protection, or a general question
• Any message or comments you choose to include
• Your communication consent choices and a record of when they were given

Appointment information

When you schedule a conversation through our booking pages, we may collect your name, contact details, the appointment type you selected, your chosen date and time, time zone, and any notes you provide. We also keep records of confirmations, reminders, reschedules, and cancellations.

Communications

When you communicate with us, we may keep records such as call logs (including date, time, and duration), text message and email content, voicemails, and notes from conversations. If we record a telephone call, we will provide notice and obtain consent as required by applicable law.

Website technical information

When you visit our website, certain information may be collected automatically by our website platform and related tools, including your IP address, browser type, device type, operating system, referring web page, pages viewed, date and time of visits, and general location derived from your IP address. See Section 10 for more information about cookies.

Information from other sources

If you apply for insurance with our assistance, we may receive information from insurance carriers about the status of your application or policy, such as whether an application was approved, declined, or requires additional information.

4. Health and sensitive information

Our public website and booking pages are not designed to collect detailed medical, health, or underwriting information, Social Security numbers, or financial account numbers. Please do not submit this type of information through website forms or message fields.

If you later decide to apply for insurance, the insurance carrier may require additional information to evaluate your application, which can include health history, medications, lifestyle information, date of birth, Social Security number, banking information for premium payments, and beneficiary details. That information is collected as part of the application and underwriting process, is used for that purpose, and is shared with the carrier and its service providers as needed. It is subject to applicable insurance privacy laws and the carrier's own privacy notice.

5. How we use information

We use personal information for purposes connected to your inquiry and our relationship with you, including to:

• Respond to your questions and requests
• Schedule, confirm, remind you of, and reschedule appointments
• Prepare for and conduct conversations about Final Expense, Mortgage Protection, or related insurance questions you raise
• Provide follow-up you request, and reasonable follow-up connected to the insurance topic you inquired about
• Help you obtain quotes or submit applications when you ask us to
• Provide service related to a policy you obtained with our assistance
• Maintain records of consent and communication preferences, and honor opt-out requests
• Operate, maintain, secure, and improve our website and systems
• Detect and prevent fraud, spam, abuse, and security incidents
• Comply with legal, regulatory, licensing, and recordkeeping obligations
• Establish, exercise, or defend legal claims

We do not use your information for unrelated mass marketing, and we do not use it to promote third-party or affiliate products unrelated to your inquiry.

6. Calls, texts, and emails

If you submit a form, schedule an appointment, or otherwise contact us, we may reach you by phone call, text message, or email using the contact details you provide. These communications are intended to relate to your inquiry and customer journey, such as:

• Responding to your inquiry
• Appointment booking, confirmations, and reminders
• Rescheduling or cancellation notices
• Follow-up you request
• Reasonable follow-up and educational information directly related to the insurance topic you inquired about

Where required by law, we obtain your consent before sending certain calls or text messages. Some communications may be sent using automated technology where permitted and consented to. Your consent to receive automated marketing calls or texts is not a condition of purchasing any insurance product or service.

Opting out of one channel does not automatically opt you out of others. Please tell us which communications you would like to stop. Even after opting out of follow-up, we may still send communications necessary to respond to a request you make or to service an existing policy, where permitted by law.

Mobile information, including text message opt-in data and consent, is not shared with third parties or affiliates for their own marketing or promotional purposes.

7. How information is shared

We share personal information only as reasonably necessary for the purposes described in this policy. The categories of recipients are:

Service providers that help us operate

We use outside companies to provide technology and services needed to run our website and serve you. These providers process information on our behalf and are expected to use it only to provide their services to us. They may include:

• Website and funnel platforms, including I Ninja LLC or similar providers
• Customer relationship management (CRM) systems
• Website hosting providers
• Appointment scheduling and calendar providers
• Telephone and voicemail service providers
• SMS and text messaging providers
• Email service providers
• Security, anti-spam, and fraud-prevention providers
• Other technology vendors that support our operations

Insurance carriers and insurance-service providers, at your request

When you request or authorize an insurance quote, application, underwriting review, policy change, or similar insurance service, we share relevant information with insurance carriers and legitimate insurance-service providers involved in that process. This may include carriers' underwriting partners, electronic application platforms, and related service providers.

Professional advisers

We may share information with our attorneys, accountants, compliance consultants, insurers, and similar advisers as needed for them to provide professional services to us, subject to confidentiality obligations.

Legal, regulatory, and safety reasons

We may disclose information to regulators, insurance departments, courts, law enforcement, or government agencies when we believe in good faith that disclosure is required by law, regulation, subpoena, court order, or licensing obligation, or is necessary to protect the rights, property, or safety of you, us, or others.

Business transfers

If Forever Life Group is involved in a merger, acquisition, sale of assets, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law and to this policy's commitments or equally protective ones.

With your direction or consent

We may share information with others when you direct us to or give your consent, for example if you ask us to speak with a family member on your behalf.

8. No sale or rental of information

Forever Life Group does not sell your personal information. Forever Life Group does not rent your personal information. We do not give your personal information to unrelated third parties so they can market their own products or services to you.

Sharing information with service providers that operate our systems on our behalf, or with insurance carriers when you request an insurance service, is different from selling data to marketers. Those disclosures exist only to run our business and to fulfill what you asked us to do.

9. Insurance-related disclosures

The insurance industry is subject to privacy laws and regulations, which may include federal law such as the Gramm-Leach-Bliley Act and state insurance privacy laws. When you apply for or obtain an insurance product, you may receive separate privacy notices from the insurance carrier describing its practices. Those notices govern the carrier's handling of your information.

Providing information to us, scheduling a conversation, or receiving a quote does not create insurance coverage. Coverage exists only when an application has been approved and a policy has been issued by an insurance carrier, as described in our Terms of Service.

10. Cookies and similar technologies

Our website, and the platforms that power it, may use cookies, pixels, local storage, and similar technologies. These help the website function, remember preferences, keep forms and booking pages working, protect against spam and fraud, and understand how visitors use the site so we can improve it.

Some of these technologies are provided by our service providers, such as our website platform or analytics tools, and may collect information about your use of our site. We do not permit this information to be sold on our behalf.

Most browsers let you block or delete cookies through their settings. If you block cookies, some parts of the website, such as forms or booking pages, may not work properly. Some browsers offer "Do Not Track" or similar signals; because there is not yet a common standard for responding to these signals, our website may not respond to them, except where a legally recognized preference signal must be honored under applicable law.

11. Data retention

We keep personal information for as long as reasonably necessary for the purposes described in this policy, including responding to your inquiry, maintaining our relationship with you, servicing policies, maintaining records of consent and opt-outs, and meeting legal, regulatory, tax, licensing, and insurance recordkeeping requirements. Retention periods vary depending on the type of information and the applicable requirements.

When information is no longer needed, we take reasonable steps to delete it, de-identify it, or securely archive it as required by law.

12. Security safeguards

We use reasonable administrative, technical, and physical safeguards designed to protect personal information, such as access controls, password protection, and selecting reputable service providers. However, no website, internet transmission, or storage system is completely secure, and we cannot guarantee absolute security.

Please help protect yourself by not sending sensitive information, such as health details, Social Security numbers, or account numbers, through website forms, text messages, or ordinary email.

13. Your privacy rights

Depending on where you live and whether a particular law applies to Forever Life Group, you may have rights regarding your personal information. These may include the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of certain information, subject to legal and recordkeeping exceptions
• Opt out of certain uses of your information
• Appeal a decision we make about your request, where a law provides that right

Privacy rights vary by state and jurisdiction, and not every right applies to every person or every business. To make a request, contact us using the information in Section 18. We may need to verify your identity before completing a request, and we may deny requests where permitted or required by law, such as when we must retain information for insurance or regulatory purposes. You may use an authorized agent where the law allows, and we may require proof of that agent's authority.

We will not discriminate against you for exercising privacy rights available to you.

14. Communication preferences

You are in control of how we communicate with you. You can:

• Reply STOP to any text message to stop receiving texts
• Use the unsubscribe link in emails where provided
• Tell us during any call that you no longer wish to be called
• Contact us by phone or email to change your preferences for any channel

We will process opt-out requests within the time required by applicable law.

15. Children's privacy

Our website and services are intended for adults. We do not knowingly collect personal information from children under 13, and our website is not directed to anyone under 18. If you believe a child has provided us with personal information, please contact us and we will take appropriate steps to delete it.

16. External links and booking pages

Our website may link to other websites, including appointment booking pages hosted by our scheduling platform and websites of government agencies or insurance carriers. Booking pages we use are operated for us by service providers, and information you submit there is handled as described in this policy. Other external websites are governed by their own privacy policies, and we are not responsible for their practices. Please review the privacy policy of any site you visit.

17. Changes to this policy

We may update this Privacy Policy when our practices, service providers, or legal requirements change. When we do, we will revise the "Last Updated" date at the top of this page. If changes are material, we will take reasonable steps to notify you as required by applicable law. We encourage you to review this page periodically.

18. Contact us

If you have questions about this Privacy Policy, want to exercise a privacy right, or wish to update your communication preferences, please contact us: