Privacy Policy

1. Introduction

CompareIUL ("we," "our," or "us") operates as an independent insurance marketing and lead generation service. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit a request for information about Indexed Universal Life (IUL) insurance products.

By using our website and submitting your information, you consent to the practices described in this Privacy Policy. If you do not agree with the terms of this policy, please do not use our website or submit your information.

2. Information We Collect

Information You Provide Directly

When you submit a request for a free quote or consultation, we collect:

• Full name
• Phone number
• Age
• Any additional information you voluntarily provide

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and approximate geographic location
• Browser type and version
• Device type (mobile, tablet, desktop)
• Pages visited and time spent on each page
• Referring URL (how you arrived at our site)
• UTM parameters from advertising campaigns (source, medium, campaign name)

3. How We Use Your Information

We use the information we collect for the following purposes:

• To connect you with a licensed insurance advisor who can provide a personalized IUL illustration and consultation
• To contact you by phone, text message (SMS), or email regarding your inquiry
• To assign your inquiry to an appropriately licensed advisor in your state
• To improve our website, advertising, and lead generation processes
• To comply with legal obligations and regulatory requirements
• To send you relevant information about IUL insurance products (with your consent)

4. TCPA Consent and Communications

By submitting your information on this website, you expressly consent, under the Telephone Consumer Protection Act (TCPA) and applicable state laws, to receive calls, text messages (including via automated telephone dialing systems and/or artificial or prerecorded voices), and emails from CompareIUL and our network of licensed insurance advisors at the phone number and email address you provided, even if your number is on a state or federal Do Not Call registry.

Message and data rates may apply. Message frequency varies. You may opt out of text messages at any time by replying STOP. You may opt out of calls by informing the advisor during any call or by contacting us at the address below.

This consent is not a condition of purchasing any goods or services. You may choose to speak with an advisor without providing consent to automated communications by contacting us directly.

5. How We Share Your Information

We may share your information with:

• Licensed Insurance Advisors: We share your contact information and inquiry details with licensed insurance professionals who will contact you to provide a free consultation and illustration.
• Insurance Carriers and Marketing Organizations: In some cases, your information may be shared with insurance carriers or field marketing organizations (FMOs/IMOs) for the purpose of fulfilling your request.
• Service Providers: We use third-party service providers for CRM management, analytics, and marketing automation. These providers are contractually obligated to protect your information.
• Legal Requirements: We may disclose your information if required by law, court order, or governmental authority.

We do not sell your personal information to third-party data brokers or unrelated advertisers.

6. Cookies and Tracking Technologies

We use cookies, pixel tags, and similar tracking technologies to analyze website traffic, measure advertising effectiveness, and improve your experience. This includes:

• Analytics cookies (e.g., Google Analytics) to understand how visitors use our site
• Advertising pixels (e.g., Meta Pixel, Google Ads conversion tracking) to measure the effectiveness of our advertising campaigns
• Session cookies to maintain your session while browsing

You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Lead data is typically retained for up to 24 months from the date of submission, after which it is securely deleted or anonymized.

8. Your Rights and Choices

Depending on your state of residence, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-Out: Opt out of marketing communications at any time
• California Residents (CCPA): You have the right to know what personal information is collected, the right to delete, and the right to opt out of the sale of personal information. We do not sell personal information.

To exercise any of these rights, please contact us using the information in Section 11.

9. Security

We implement industry-standard security measures to protect your personal information, including encrypted data transmission (HTTPS/TLS), access controls, and secure database storage. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

10. Children's Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or want to opt out of communications, please contact us:

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the updated policy.