Privacy Policy

Our Commitment to Your Privacy

At Royalty Life Insurance, protecting your personal information is our top priority. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, and other contact details you provide when requesting a quote or consultation.
• Insurance-Related Information: Health information, beneficiary details, coverage preferences, and financial information necessary to provide you with accurate quotes and policy recommendations.
• Communication Records: Records of our phone conversations, emails, and other communications to improve our service quality and maintain accurate records.
• Technical Information: IP address, browser type, device information, and website usage data collected through cookies and similar technologies.

How We Use Your Information

We use your information for the following purposes:

• To provide personalized life insurance quotes and recommendations
• To schedule and conduct consultation appointments
• To process and service your insurance applications and policies
• To communicate with you about your policies, claims, and account updates
• To provide customer support and respond to your inquiries
• To comply with legal and regulatory requirements
• To improve our website, services, and customer experience
• To send you information about our travel rewards program and other benefits included with your policy

Information Sharing and Disclosure

We may share your information in the following circumstances:

• Insurance Carriers: We share necessary information with the insurance carriers we represent to obtain quotes and process your applications.
• Service Providers: We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you (e.g., calendar scheduling, CRM systems).
• Legal Obligations: We may disclose information when required by law, court order, or government regulation.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Important: We do not sell your personal information to third parties. Your mobile phone number and other contact information will not be shared with third parties or affiliates for their marketing or promotional purposes.

Mobile Communication

When you provide your mobile phone number to us, you consent to receive calls and text messages from Royalty Life Insurance regarding your quote request, consultation appointment, policy information, and related services.

Standard message and data rates may apply. You may opt out of text messages at any time by replying "STOP" to any message or by contacting us directly.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You may request access to the personal information we hold about you.
• Correction: You may request that we correct any inaccurate or incomplete information.
• Deletion: You may request deletion of your personal information, subject to legal and contractual obligations.
• Opt-Out: You may opt out of receiving marketing communications from us at any time.
• Do Not Track: Some browsers have "Do Not Track" features. We currently do not respond to these signals.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage patterns, and improve our services. You can control cookies through your browser settings, though disabling cookies may limit certain website functionality.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your information, and the right to opt out of the sale of your information. We do not sell personal information.