Privacy Policy

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Privacy Policy

Effective Date: 1/1/2026

1) Introduction

This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit www.facingeverest.com (the "Site") or interact with us regarding insurance products and services.

We are committed to protecting your privacy and handling your information responsibly. By using this Site or providing us with your information, you agree to the practices described in this Privacy Policy.

2) Information We Collect

We may collect the following types of information:

A) Information You Provide Directly

When you contact us or meet with us to discuss insurance options, we may collect:

• Contact information (name, address, email, phone number)
• Date of birth and age
• Health-related screening information (general health status, tobacco use, pre-existing conditions)
• Employment and income information
• Beneficiary information
• Social Security number (for application processing)
• Other information you choose to provide during our conversations or meetings

B) Information Collected Automatically

When you visit our Site, we may automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages viewed, time spent on Site, links clicked)
• Cookies and similar tracking technologies (see Section 9)

C) Information from Third Parties

• Insurance carriers (underwriting decisions, policy status)
• Medical Information Bureau (MIB) or similar databases (if applicable during underwriting)
• Public records or databases used to verify information

3) How We Use Your Information

We use your information for the following purposes:

• To respond to your inquiries and provide requested information about insurance products
• To prepare insurance quotes and illustrations
• To submit applications to American Income Life Insurance Company/Globe Life
• To facilitate underwriting and policy issuance
• To provide ongoing customer service and policy administration
• To communicate with you about your policy, applications, or inquiries
• To comply with legal and regulatory requirements
• To improve our Site and services
• To send marketing communications (with your consent, where required)
• To detect and prevent fraud

4) How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

A) With Insurance Carriers As a licensed insurance broker affiliated with American Income Life Insurance Company/Globe Life, we share your information with the carrier to process quotes, applications, and policy administration.

B) For Legal ComplianceWe may disclose your information when required by law, regulation, legal process, or government request, or when necessary to:

• Comply with insurance regulations
• Protect our rights or property
• Prevent fraud or illegal activity
• Protect the safety of our clients or the public

C) Business Transfers If we are involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. You will be notified of any such change.

D) With Your ConsentWe may share your information for other purposes with your explicit consent.

5) Health Information

We may collect health-related information to provide insurance quotes and facilitate applications. While we are not a covered entity under HIPAA (Health Insurance Portability and Accountability Act), we treat your health information with appropriate confidentiality and security.

Health information you provide will be:

• Used only for insurance-related purposes
• Shared only with insurance carriers and necessary service providers
• Protected with reasonable security measures
• Retained in accordance with our record retention policies and legal requirements

6) Marketing Communications

Email Marketing If you provide your email address, we may send you information about insurance products, policy updates, and related content. You can opt out of marketing emails at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Contacting us directly (see Section 12)

Text Messages If you provide your phone number and consent to text messages, we may send you information via SMS. You can opt out at any time by:

• Replying STOP to any text message
• Contacting us directly

Phone Calls By providing your phone number, you consent to be contacted by phone (including via automated or prerecorded messages) regarding your inquiry or policy. You can request to be removed from our call list at any time.

Important: Opting out of marketing communications will not affect transactional or service-related communications about your policy or application.

7) Data Security

We implement reasonable physical, technical, and administrative safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure data transmission (SSL/TLS encryption where applicable)
• Access controls and authentication
• Employee training on data protection

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.

8) Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes described in this Privacy Policy
• Comply with legal and regulatory requirements (including insurance record-keeping requirements)
• Resolve disputes and enforce our agreements

Insurance-related records are typically retained for at least 7 years or as required by applicable law.

9) Cookies and Tracking Technologies

What Are Cookies? Cookies are small text files stored on your device when you visit a website. They help websites function properly and remember your preferences.

Our Use of Cookies: This Site may use basic cookies necessary for the Site to function properly. We do not use cookies to track your behavior across other websites or for advertising purposes.

Your Cookie Choices: Most browsers allow you to control cookies through settings. You can typically:

• Block all cookies
• Accept only certain cookies
• Delete cookies after your session

Note that blocking cookies may limit your ability to use certain features of the Site.

10) Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• 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
• Portability: Request your information in a portable format (where applicable)

To exercise these rights, contact us using the information in Section 12.

Note: Some of these rights may be limited by legal or regulatory requirements, particularly regarding insurance records.

11) Children's Privacy

This Site is not intended for children under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will delete it.

12) Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:

Facing Everest
Email: contact@facingeverest.com
Phone: 678-386-8885
Website: www.facingeverest.com

13) Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Updates will be posted on this page with a revised "Effective Date" at the top.

Material changes will be communicated via:

• A notice on the Site homepage
• Email notification (if we have your email address)

Your continued use of the Site after changes are posted constitutes acceptance of the updated Privacy Policy.

14) California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to opt out of the "sale" of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your CCPA rights

To exercise these rights, contact us using the information in Section 12.

15) State-Specific Rights

Residents of certain states may have additional privacy rights under state law. Contact us to learn more about rights that may apply to you.