Policy Hero Financial Group Logo

    Privacy Policy

    Effective Date: June 1, 2025

    Policy Hero Financial Group ("we," "us," "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and disclose your personal information when you visit our website, policyherogroup.com (the "Site"), and when you use our services.

    Table of Contents

    1. Covered Services

    This Privacy Policy applies to the following platforms and services:

    • Life Insurance Education — Educational resources and content about life insurance products
    • Insurance Consultation Services — Personalized guidance and recommendations for life insurance coverage
    • Needs Assessment Tools — Interactive calculators and questionnaires to help determine coverage needs
    • Quote Services — Life insurance quote comparisons and policy information

    Use of these services is governed by this Privacy Policy.

    2. Scope & Compliance

    This Privacy Policy is designed to comply with applicable data protection laws, including:

    • California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)
    • General Data Protection Regulation (GDPR) for EU/EEA residents
    • Telephone Consumer Protection Act (TCPA) for voice and SMS communications

    Your use of the Site and our services is entirely voluntary. You may opt out of data collection and tracking at any time as described in this Policy.

    3. Information We Collect

    Information You Provide

    • Contact Information: Name, email address, phone number, and mailing address
    • Account Information: Username, password, and account preferences
    • Insurance Information: Information provided through our needs assessment tools and consultation forms

    Information Collected Automatically

    • Usage Information: Details about your interactions with our Site and services, including IP address, browser type, pages visited, and time spent on the Site
    • Device Information: Operating system, device identifiers, and hardware attributes
    • Location Information: Approximate geographic location based on IP address

    Communication Records

    Transcripts and recordings of communications with our representatives and customer service team. This includes call recordings, chat logs, and interaction metadata.

    Information from Third-Party Sources

    We may collect data from third-party sources to enhance our ability to provide you with relevant information and services. This may include demographic information, contact details, and publicly available data.

    4. Tracking & Identification Technologies

    We use tracking and identification technologies to collect data to enhance user experience and communication. By accepting cookies on our websites, you consent to the collection and use of your data for outreach via voice, text, or other means as outlined in this Policy.

    Cookies and Tracking Pixels

    We use cookies, web beacons, tracking pixels, and similar technologies to:

    • Analyze website traffic and user behavior
    • Improve website functionality and service delivery
    • Enable targeted advertising and outreach efforts
    • Enhance user experience through personalized content
    • Measure advertising effectiveness and campaign performance

    You may disable cookies in your browser settings; however, this may limit your ability to use certain features of the Site.

    5. How We Use Your Information

    We use your personal information for the following purposes:

    • Service Delivery: To provide life insurance education, consultations, and quote services
    • Communication: To contact you regarding your inquiries, our products, and services
    • Personalized Outreach: To conduct personalized outreach via phone, email, and messaging
    • Service Improvement: To analyze user behavior and improve the Site and our services
    • Marketing: To provide you with personalized advertising and promotional content
    • Legal Compliance: To comply with legal obligations, including GDPR, CCPA, and TCPA regulations

    7. How We Share Your Information

    We may share your personal information with third-party service providers to assist in:

    • Insurance Services: Licensed insurance carriers and agents to provide quotes and policy information
    • Payment Processing: Secure payment gateways to handle transactions
    • Marketing Efforts: Third-party advertising platforms for targeted marketing
    • Analytics: Service providers who assist with website analytics and performance optimization

    We require all third parties to maintain the confidentiality and security of your personal information and to use it only for the purposes for which it was shared.

    8. Your Rights Under CCPA & GDPR

    If you are a California resident (CCPA/CPRA) or a European Union resident (GDPR), you have specific rights regarding your personal data, including:

    • The right to access your personal information
    • The right to request deletion of your data
    • The right to opt out of data collection and sale
    • The right to correct inaccuracies in your information
    • The right to receive details on how your data is used
    • The right to data portability (GDPR)
    • The right to non-discrimination for exercising privacy rights

    To exercise these rights, contact us at privacy@policyherogroup.com.

    9. Opt-Out Options

    Cookies and Browser Settings

    You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. Disabling cookies may limit functionality on certain parts of our Site.

    Universal Opt-Out from Interest-Based Advertising

    You can opt out of interest-based advertising from participating companies through the Digital Advertising Alliance's opt-out tool:

    www.aboutads.info/choices

    This opt-out applies to participating advertising networks. Note that opting out does not prevent all advertising — you will still see ads, but they may be less relevant to your interests.

    Do Not Track Signals

    Our websites do not currently respond to "Do Not Track" browser signals. However, you can use the opt-out mechanisms described above to limit tracking.

    Marketing Communications

    You may opt out of marketing communications by following the unsubscribe instructions in any marketing email, replying STOP to SMS messages, or contacting us directly.

    10. Security Measures

    We employ reasonable security measures to protect your personal information from unauthorized access, disclosure, or misuse, including:

    • Encryption of data in transit (TLS 1.3) and at rest (AES-256)
    • Multi-factor authentication for administrative access
    • Role-based access controls
    • SOC 2 Type II certified infrastructure providers
    • Regular security assessments

    However, no security system is 100% secure, and we cannot guarantee absolute protection.

    11. Data Retention

    We retain personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. When personal information is no longer needed, we securely delete or anonymize it.

    12. 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 we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

    13. Changes to This Privacy Policy

    We may update this Privacy Policy from time to time by posting the revised version on our Site. Continued use of the Site or our services after updates signifies your acceptance of the revised Privacy Policy.

    14. Contact Us

    For questions or concerns about this Privacy Policy or our data handling practices, please contact us:

    General Inquiries

    info@policyherogroup.com