Privacy Policy

1. Who We Are and What This Policy Covers

In this policy, “Hello Life,” “we,” “us,” and “our” refer to Hello Life Insurance Solutions, operated by [CONFIRM full legal business name].

This policy covers information handled through hellolifeins.com and related inquiries and communications. Insurance carriers and other independent providers may issue separate privacy notices governing information they collect or receive.

This website policy does not replace any separate insurance or financial privacy notice required for a particular product, application, or customer relationship.

2. Information You Provide

Depending on how you interact with us, information you provide may include:

• Your first and last name, email address, and telephone number.
• Your selected coverage interest and information you include in a quote request or message.
• Appointment details, such as your selected consultation date, time, and contact preferences.
• Communications you send us and your marketing or text-message consent and opt-out choices.

Providing information through general inquiry forms is voluntary, although certain contact details may be needed to respond to your request.

Insurance application information

An insurance application may require additional information, such as age, address, health history, or beneficiary details. The information required depends on the product and insurer.

[CONFIRM which application or sensitive information Hello Life collects or receives directly, its sources, and which information is collected only by the insurer.]

Please do not include Social Security numbers, payment details, or detailed medical records in general website message fields or ordinary email. Contact us for an appropriate submission method when sensitive information is needed.

3. Website Data, Cookies, and Tracking

[CONFIRM the technical information actually collected by the website and its providers, such as IP addresses, browser and device details, page visits, referring pages, and timestamps.]

[CONFIRM the cookies, analytics, advertising pixels, session recording tools, or similar technologies in use. Identify their providers, purposes, data recipients, and available consent or opt-out controls. If none are used, state that accurately.]

Browser settings can help you manage or delete cookies. Blocking certain cookies may affect website features. Browser cookie settings do not necessarily disable every form of tracking.

[CONFIRM how the website handles legally recognized browser opt-out signals, including Global Privacy Control where applicable, and provide any required privacy-choice link.]

4. How Information Is Used

Information submitted in connection with an inquiry or consultation may be used to:

• Respond to questions and requests for assistance.
• Discuss coverage interests and help with requested quote or application steps.
• Schedule consultations and communicate appointment confirmations or updates.
• Maintain records of requests, communications, and consent preferences.
• Send marketing communications where permitted and consistent with your choices.
• Address fraud, security incidents, disputes, and applicable legal requirements.

[CONFIRM these purposes match actual practices and disclose any additional uses, including advertising audience creation, profiling, or automated decision-making, if applicable.]

5. When Information Is Shared

[CONFIRM the categories of information disclosed, the recipients, and the purpose of each disclosure. Include the actual website, CRM, scheduling, email, SMS, and hosting providers involved.]

If information is sent to an insurance carrier or another licensed professional to assist with your request, the disclosure should be consistent with your request and applicable requirements. Independent recipients may handle information under their own privacy notices.

Information may also need to be disclosed in response to applicable legal requirements or to address fraud, security, or legal claims.

Sale, advertising sharing, and lead referrals

[CONFIRM whether personal information is sold, shared for targeted or cross-context behavioral advertising, or transferred through paid lead or referral arrangements. State the actual practice and include any legally required opt-out process. Do not claim “we never sell or share” without verifying this.]

6. Text Messages and Communication Choices

If you choose to receive text messages, your telephone number and consent preferences are used to administer the messaging program you joined. Message types and frequency are described in the applicable opt-in disclosure and our Terms & Conditions .

You can reply STOP to opt out of text messages or contact us to update your communication preferences. For assistance, reply HELP or contact [email protected] . Message and data rates may apply.

[CONFIRM and state the actual restrictions on sharing mobile numbers, SMS opt-in data, and consent records. Distinguish providers delivering messages on Hello Life’s behalf from third parties using information for their own marketing.]

For marketing emails, use the unsubscribe option included in the email or contact us. Marketing opt-outs do not themselves cancel an appointment or insurance policy.

7. Information Retention

[CONFIRM retention periods or meaningful retention criteria for inquiry records, applications, communications, consent records, and website data. Describe how deletion or de-identification is handled.]

Applicable recordkeeping requirements, unresolved disputes, or legal obligations may require certain records to be retained after a request or customer relationship ends.

8. Information Security

[CONFIRM a general, accurate description of the administrative, technical, and physical safeguards used to protect personal information. Do not claim certifications or security controls that have not been verified.]

No internet transmission or storage system can be guaranteed completely secure. If you believe information you provided to us has been compromised, please contact us promptly.

9. Privacy Requests and Rights

Depending on your location, the information involved, and applicable law, you may have rights to request access to, correction of, or deletion of certain personal information, or to opt out of certain uses or disclosures.

Contact [email protected] or call +1 402-650-1250 to submit a privacy request. Please describe your request and provide a way to contact you.

We may need to verify your identity and authority before responding. Some requests may be subject to exceptions, including insurance recordkeeping and other legal requirements. Please avoid sending sensitive identification documents unless an appropriate submission method has been arranged.

[CONFIRM applicable state-specific disclosures, request procedures, authorized-agent rules, appeal rights, and response requirements. Add them where required.]

10. Children and Information About Dependents

[CONFIRM the intended audience and actual practices concerning children’s information, including information submitted by a parent or guardian for dependent coverage. Describe how unintended collection from children is addressed.]

11. Third-Party Websites

Links to insurance carriers, social platforms, and other external services may take you to websites operated by independent organizations. Their privacy practices are governed by their own notices.

Review those notices before submitting personal information. This policy does not describe every independent third party’s handling of your information.

12. Changes to This Policy

Updates to this policy will be posted on this page with a revised effective date. Additional notice or consent will be provided or requested where required by applicable law.

A policy update does not by itself expand your consent to receive marketing calls or text messages.