Introduction and Who We Are
This Privacy Policy describes how Life & Wealth Strategies, LLC (“the Company,” “we,” “us,” or “our”) collects, uses, and shares your personal information when you visit and interact with our website. By using our services, you consent to the data practices described in this policy.
Our website address is: https://lifeandwealthstrategiesllc.com/. We are an independent insurance and financial services agency licensed in states including **TX, OH, FL, NM, WA, CO, CA, and RI**.
Information We Collect for Quotes and Services
To provide you with accurate insurance quotes and financial service recommendations, we collect specific personal and sensitive information that you voluntarily submit through our Contact Forms or Quote Request tools. This may include, but is not limited to:
- Personal Identifiers: Your full name, email address, phone number, and physical address.
- Financial and Health Information: Date of birth, gender, state of residence, tobacco use status, desired coverage type and amount, and potentially other sensitive health information necessary for underwriting insurance policies (e.g., specific health conditions).
- Business Information: If seeking a business quote, information regarding your company type and number of employees.
How We Share Your Data (Third Parties)
We do not sell your personal data. However, to fulfill your request for insurance coverage and quotes, we must share your collected information with specific third parties:
- Insurance Carriers/Providers: We share necessary personal and sensitive data (e.g., health information) with our network of insurance companies (such as Ambetter, BCBS, Cigna, Humana, etc.) to obtain accurate quotes and process your applications.
- Quote Engines & Financial Service Platforms: We use third-party software and quote engines to generate comparative rates.
- Legal Compliance: We may disclose your information when required to do so by law, in response to a subpoena or court order, or to protect our rights or the safety of our agents and clients.
Comments
When visitors leave comments on the site (if enabled), we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, external quote tool widgets). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
Quote request information, including any sensitive data provided, is retained only as long as necessary to service your quote or active policy, or as required by insurance industry regulations.
What rights you have over your data
If you have submitted a contact form or left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Visitor comments may be checked through an automated spam detection service. Data submitted via quote or contact forms is sent securely to our internal agents and, where necessary, to third-party insurance partners (carriers) as detailed in the “How We Share Your Data” section.