Privacy Policy

When This Privacy Policy Applies

This Privacy Policy applies to information we collect:

• on this Site;
• when you or your authorized representative accesses or uses the Offerings; or
• in email, text, and other electronic messages between you and us.

It does not apply to information collected by any third party, including through any application or content that may link to or be accessible from or on the Site.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Site, including:

• Personal information — information by which you may be personally identified, such as your name, email address, phone number, and physical address, or any other information that could be associated with or used to identify you.
• Technical information — details about your internet connection and the equipment you use to access our Offerings, including usage details and IP addresses.
• Usage data — details of your visits to and usage of our Offerings, including traffic data, logs, and other communication data, as well as the resources you access and use on the Offerings.

We collect this information:

• directly from you when you provide it to us; or
• automatically as you navigate through the Site or access or use the Offerings, through automated data technologies such as cookies and other tracking technologies.

Information You Provide to Us

The information we collect on or through our Site may include:

• information you provide by filling in forms on our Offerings (for example, when requesting a life insurance quote or inquiry);
• records and copies of your correspondence (including email addresses) if you contact us, including when you report a problem with our Offerings; or
• information you provide when requesting further information about our Offerings.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• details of your visits to our Site or Mobile App, such as traffic data, location data, logs, and other communication data and the resources you access; or
• information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we automatically collect is statistical in nature and does not include personal information. It helps us improve our Offerings and deliver a better, more personalized experience, including by enabling us to:

• estimate our audience size and usage patterns;
• store information about your preferences, allowing us to customize our Offerings to your individual interests; or
• recognize you when you return to our Site.

The technologies we use for automatic data collection may include cookies. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Site. Unless you have adjusted your browser settings to refuse cookies, our system will issue cookies when you direct your browser to our Site.

Third-Party Automated Data Tracking Technologies

The Site also uses Google Analytics, which uses cookies or other tracking technologies to help us analyze how users interact with and use the Offerings, compile reports on activity, and provide other services related to activity and usage. Google Analytics may collect information such as your IP address, time of visit, whether you are a return visitor, and your referring website. To learn more about how Google Analytics collects and processes data, please visit Google's privacy partners page.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• to present our Offerings and their contents to you;
• to provide you with information, products, or services you request from us, including life insurance quotes and related financial services information;
• to fulfill any other purpose for which you provide it;
• to carry out our obligations and enforce our rights arising from any contract entered into between you and us;
• to notify you about changes to our Offerings or any products or services we offer or provide through it;
• in any other way we may describe when you provide the information; or
• for any other purpose with your consent.

Telephone Communication and Consent

By calling LuminaryLife at any of our published phone numbers, you expressly acknowledge and agree that you are initiating a business relationship with LuminaryLife. By placing a call to us, you consent to being contacted by LuminaryLife and its representatives via telephone, including by automated dialing systems, prerecorded messages, and/or text messages, at the phone number(s) you provide or from which you call, for the purpose of discussing our life insurance products, services, and any matter related to your inquiry. This consent applies even if your number is listed on a federal, state, or internal Do Not Call registry.

You understand that your consent to receive calls and texts is not a condition of purchasing any product or service from LuminaryLife. Standard message and data rates may apply to any text messages sent or received. You may opt out of future communications at any time by informing our representative during a call, or by emailing us at support@luminarylife.com.

Who We Share Your Information With

We may disclose information that we collect or that you provide as described in this Privacy Policy:

• to contractors, service providers, and other third parties who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them;
• to a buyer or other successor in anticipation of or in connection with a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of LuminaryLife's assets, whether as a going concern or as part of a bankruptcy, liquidation, or similar proceeding;
• to fulfill the purpose for which you provide it;
• for any other purpose disclosed by us when you provide the information; or
• with your consent.

We may also disclose your information:

• to comply with any court order, law, or legal process, including to respond to any government or regulatory request;
• to enforce or apply our Terms of Use or other agreements, including for billing and collection purposes; or
• if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of LuminaryLife, our users, or others.

We may disclose aggregated information about our users, or information that does not identify any individual user, without restriction. We may use that aggregated information to enhance and personalize your experience, communicate with you about products and services, and for other purposes described in this Privacy Policy.

How We Protect Your Information

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls, and all personal information is encrypted using SSL technology.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of information transmitted to our Offerings. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Offerings.

Retention of Your Information

We will retain your personal information for as long as necessary to provide the Offerings to you. Thereafter, we will retain your personal information for as long as is permissible by applicable law.

Your Choices About Your Information

We strive to provide you with choices regarding the personal information you provide to us.

Tracking Technologies

You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of the Offerings may be inaccessible or not function properly.

Promotional Offers from LuminaryLife

If you do not wish to have your contact information used by us to promote our own products or services, you can opt out at any time by emailing support@luminarylife.com. If we have sent you a promotional email or text message, you may send us a return email or text asking to be removed from future distributions. Please note that we will not send you any promotional text messages unless you have explicitly opted in via a form on our Site or Mobile App.

Do Not Track Signals

Some web browsers (including Safari, Internet Explorer, Firefox, and Chrome) incorporate a “Do Not Track” (“DNT”) feature that signals to websites that a user does not want their online activity and behavior tracked. Not all browsers offer a DNT option, and DNT signals are not yet uniform across the industry.

Links to Other Websites and Offerings

We are not responsible for the practices employed by third-party websites, applications, or services linked to or from our Site. We recommend that you review the privacy notices of any third-party websites, applications, or services before authorizing them to access your data.

Children Under the Age of 13

We do not knowingly collect information from children under 13. If you are under 13, do not use or provide any information on the Site or through any of its features, or register on or through the Offerings. If we learn we have collected or received information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at support@luminarylife.com.

Changes to Our Privacy Policy

In our sole discretion, we may revise this Privacy Policy from time to time. The Last Updated date is set forth at the top of this page. All changes are effective 15 days after the Last Updated date for current users and immediately for new users. Your continued use of the Offerings following the posting of a revised Privacy Policy means you accept and agree to the updated terms. We will also notify you of material changes via email.

How to Contact Us

To ask questions or comment about this Privacy Policy and our practices, please contact us at:

Email

support@luminarylife.com

Phone

877-800-0450

Mailing Address

8407 Wall St #450
Austin, TX 78754