Privacy Policy

1. Introduction

Thank you for your interest in TruLegacy Life Insurance Agency, LLC (“TruLegacy,” “we,” “us,” or “our”). We are committed to protecting the privacy of those with whom we interact.

This Privacy Policy (“Policy”) describes how we collect, use, disclose, and otherwise process personal information about you when you interact with us through our websites, email, social media accounts, insurance agent and representative services, communication channels (including online forms, chat, telephone, text messaging, and call centers), other online and offline interactions and services, and other sources (collectively, the “Services”).

Please read this Policy carefully.

This Policy applies to www.trulegacy.life and other websites or online properties operated by TruLegacy where this Policy is posted.

Applicability

We collect personal information in several contexts as described below. However, this Policy may not apply to:

• Information about our employees, contractors, agents, and job applicants where such information is subject to a separate privacy notice.
• Information collected from individuals with whom we engage solely in business-to-business communications and transactions.
• Protected health information subject to the Health Insurance Portability and Accountability Act (“HIPAA”) that we handle on behalf of insurance carrier partners or other covered entities. In such circumstances, additional legal and contractual requirements may apply. Questions regarding information maintained directly by an insurance carrier should be directed to that carrier.

Changes to This Policy

We may update this Policy from time to time. The current version becomes effective when posted unless otherwise stated.

We encourage you to review this Policy periodically. Where required by applicable law, we will provide notice of material changes and obtain consent when legally required.

2. Sources of Personal Information

We may collect information about you and your interactions with us from several sources, including:

1. Information you provide directly. This includes information you provide when requesting information, completing a form, requesting an insurance quote, applying for an insurance product, communicating with an insurance agent, contacting customer service, or otherwise interacting with our Services.
2. Information collected automatically. We may automatically collect technical information concerning your online interactions with our Services, including IP address, device information, browsing activity, and preferences.
3. Publicly available sources. We may obtain information from public records, government entities, publicly available databases, and information you make publicly available.
4. Third parties. We may receive information from third parties, including insurance carriers, healthcare-related entities where permitted, marketing and advertising providers, social networks, referral partners, lead generators, data providers, and companies that provide information concerning potential customers.

We may combine information received from these sources and use or disclose it for the purposes described in this Policy.

3. Types of Personal Information We Collect

Depending upon your interactions with TruLegacy, we may collect:

1. Identifiers, such as name, alias, postal address, telephone number, email address, IP address, online identifiers, Social Security number, driver's license number, and similar identifiers.
2. Customer records, such as name, signature, address, telephone number, banking information, payment information, and other information associated with an insurance transaction.
3. Insurance application and eligibility information, which may include age, date of birth, gender, health information, medical history, tobacco use, financial information, beneficiary information, and other information necessary to determine eligibility for or apply for an insurance product.
4. Commercial information and preferences, including products or services requested, purchased, obtained, considered, or discussed, and preferences or interests.
5. Internet or electronic network activity information, including browsing history, search history, IP address, device information, and information concerning interactions with our websites, advertisements, emails, and other Digital Properties.
6. Geolocation information, such as approximate location inferred from an IP address.
7. Audio, electronic, visual, or similar information, including telephone call recordings where permitted by applicable law, customer service communications, and online chat records.
8. Professional or employment information, such as occupation, employer, job title, business address, and business contact information.
9. Inferences derived from information we collect that may reflect preferences, interests, or characteristics.

4. How We Use Personal Information

We may use personal information:

1. To provide our Services, including responding to requests for information; providing insurance quotes; assisting with insurance applications; communicating regarding applications and policies; servicing customers; authenticating users; and responding to inquiries, complaints, or requests.
2. For internal business purposes, including evaluating and improving our Services, training and quality assurance, conducting analytics, maintaining business records, developing products and services, conducting research, and improving customer interactions.
3. For legal, security, fraud prevention, and compliance purposes, including complying with applicable laws, regulations, subpoenas, court orders, carrier requirements, and other legal obligations; detecting or preventing fraud; protecting our rights and property; and maintaining the security of our Services.
4. For de-identification and aggregation. We may convert information into de-identified, anonymized, or aggregated information and use such information for legally permitted purposes.
5. For marketing and advertising. Subject to applicable law and any required consent, we may use personal information to communicate with you regarding insurance products and services, promotions, surveys, and other offerings that may be relevant to you.
6. For purposes disclosed when information is collected.
7. For other purposes with your consent or as otherwise permitted by applicable law.

5. With Whom We Share Personal Information

We may disclose personal information to:

1. Affiliates and related entities. We may disclose information to affiliates, subsidiaries, business units, or other entities under common ownership or control, where applicable.
2. Insurance carriers and related entities. To obtain insurance quotes, submit applications, issue policies, and provide requested insurance services, we may disclose information to insurance carriers and other entities involved in insurance transactions.
3. Insurance agents. Information may be provided to licensed insurance agents or representatives when you request information, request to be contacted, request a quote, or apply for insurance.
4. Service providers. We may disclose information to companies that perform services on our behalf, including web hosting providers, IT providers, communications providers, customer relationship management providers, analytics providers, marketing providers, payment processors, attorneys, accountants, auditors, and other professional service providers.
5. Business, marketing, referral, and advertising partners. Where permitted by applicable law, we may disclose information to entities with which we maintain business, marketing, referral, advertising, or lead-generation relationships.
6. Government authorities and other parties for legal purposes. We may disclose information when reasonably necessary to comply with applicable laws, regulations, legal proceedings, subpoenas, court orders, governmental requests, or to protect the rights, property, safety, or security of TruLegacy, our customers, or others.
7. In connection with a corporate transaction. Information may be transferred in connection with a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or other change involving all or part of TruLegacy Life Insurance Agency, LLC.
8. Organizations with which you have a relationship. Where appropriate and permitted, we may disclose information to entities with which you have a relationship when that relationship is relevant to your interaction with TruLegacy.
9. Other parties with your consent or direction.

We may also disclose de-identified, anonymized, or aggregated information where permitted by law.

6. Cookies and Automatic Data Collection Technologies

We and authorized third parties may use cookies and similar technologies on our websites and other online properties (“Digital Properties”).

These technologies may include:

• Cookies
• Pixels and web beacons
• Tags
• Analytics technologies
• Session replay technologies
• Embedded scripts
• Software development kits and similar technologies

Purposes

These technologies may be used for:

• Website functionality;
• Remembering preferences;
• Security;
• Analytics and performance measurement;
• Understanding how visitors interact with our Services;
• Improving our Digital Properties;
• Measuring advertising effectiveness;
• Marketing and advertising, where permitted by applicable law.

Information Collected

Information collected through these technologies may include IP address, device identifiers, browser information, operating system, approximate location, referring pages, pages visited, interaction information, and advertising identifiers.

Your Choices

You may be able to control or delete cookies through your browser settings. Disabling certain cookies may affect website functionality.

Third-party advertising and analytics providers may also provide mechanisms for controlling certain types of data collection or interest-based advertising.

7. Security

We maintain reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, acquisition, disclosure, alteration, destruction, or use.

However, no Internet transmission or electronic storage system can be guaranteed to be completely secure, and we cannot guarantee the absolute security of information transmitted to or maintained by us.

8. Children's Privacy

Our Services are not directed to children under 16 years of age, and we do not knowingly collect personal information directly from children under 16 through our general consumer Services.

If you believe a child under 16 has provided personal information directly to us, please contact us using the information provided in Section 12.

9. External Links

Our Services may contain links to websites, applications, or online services operated by third parties.

TruLegacy does not control the privacy practices of third-party services. Information provided directly to a third party is governed by that third party's applicable privacy policies and practices.

We encourage you to review the privacy policies of third-party services before providing personal information.

10. Your Privacy Choices and Rights

Depending upon your state of residence and applicable law, you may have rights concerning personal information maintained by TruLegacy.

These may include rights to request access to, correction of, or deletion of certain personal information.

To submit a privacy-related request, contact:

We may need to verify your identity before processing certain requests.

Certain information may be exempt from privacy requests or may need to be retained to comply with applicable insurance, financial services, tax, legal, regulatory, contractual, fraud-prevention, record-retention, or other requirements.

Once information has been submitted to an insurance carrier or another third party at your direction, you may need to contact that entity directly to exercise rights concerning information maintained by that entity.

Marketing Communications

You may opt out of promotional email communications by using the unsubscribe mechanism contained in applicable marketing emails or by contacting us.

Opting out of marketing communications does not necessarily prevent TruLegacy from sending transactional or service-related communications concerning an insurance quote, application, policy, customer service matter, or other existing relationship.

11. Terms of Use

Your use of our website and Services may also be subject to TruLegacy's applicable Terms of Use.

12. Contact Us

Questions regarding this Privacy Policy or TruLegacy's privacy practices may be directed to:

13. California Privacy Rights

This section provides additional information for California residents regarding personal information that may be subject to the California Consumer Privacy Act, as amended (“CCPA”), and other applicable California privacy laws.

Certain information handled by insurance agencies and financial institutions may be exempt from some provisions of the CCPA, including information regulated by other federal or state privacy laws. The applicability of particular rights therefore depends upon the information involved and applicable law.

Categories of Personal Information

Depending upon your interactions with us, categories of personal information that TruLegacy may collect include:

• Identifiers;
• Customer records;
• Insurance application and eligibility information;
• Characteristics protected under applicable law;
• Commercial information;
• Internet or electronic network activity;
• Geolocation information;
• Professional or employment information;
• Inferences;
• Sensitive personal information.

The specific information collected depends upon the Services you request and your interactions with TruLegacy.

Sources of Personal Information

We may collect personal information from:

• You directly;
• Your interactions with our Services;
• Insurance carriers;
• Insurance agents;
• Service providers;
• Referral and marketing partners;
• Lead-generation partners;
• Data providers;
• Publicly available sources;
• Other sources permitted by applicable law.

Business and Commercial Purposes

We may collect, use, and disclose personal information for the purposes described elsewhere in this Policy, including:

• Providing insurance-related Services;
• Responding to requests for information;
• Obtaining quotes;
• Processing insurance applications;
• Servicing customers;
• Communicating with consumers;
• Operating and improving our business;
• Analytics;
• Security and fraud prevention;
• Legal and regulatory compliance;
• Marketing and advertising, where permitted;
• Other purposes disclosed when information is collected.

Categories of Recipients

Depending upon the circumstances, personal information may be disclosed to:

• Insurance carriers;
• Licensed insurance agents;
• Affiliates and related entities;
• Service providers;
• Marketing and advertising providers;
• Referral and lead-generation partners;
• Professional advisers;
• Government agencies, regulators, courts, or law enforcement when legally appropriate;
• Parties involved in a corporate transaction;
• Other parties at your direction or with your consent.

Sensitive Personal Information

We may process sensitive personal information when reasonably necessary to provide requested insurance-related Services, process insurance applications, comply with legal obligations, prevent fraud, maintain security, or for other purposes permitted under applicable law.

Retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected and as necessary to satisfy applicable legal, regulatory, insurance, contractual, record-retention, fraud-prevention, and business requirements.

Retention periods may vary depending upon the nature of the information and our relationship with you.

Your California Privacy Rights

Subject to applicable exemptions, exceptions, and verification requirements, California residents may have the following rights:

• Right to Know/Access. You may have the right to request information regarding personal information we have collected, used, or disclosed and, where applicable, obtain specific pieces of personal information.
• Right to Delete. You may have the right to request deletion of certain personal information we maintain about you, subject to applicable exceptions.
• Right to Correct. You may have the right to request correction of inaccurate personal information.
• Right to Non-Discrimination. We will not unlawfully discriminate against you for exercising applicable privacy rights.

Additional rights may apply depending upon TruLegacy's particular processing of your information and applicable law.

Exercising Your Rights

To submit a California privacy request:

We may request information reasonably necessary to verify your identity and process your request.

Authorized Agents

Where permitted by applicable law, an authorized agent may submit a privacy request on your behalf.

We may require documentation demonstrating the agent's authority and may separately verify your identity or confirm that you authorized the request.

Response Timing

We will respond to verified consumer privacy requests within the time required by applicable law. Where legally permitted, additional time may be required, in which case we will provide appropriate notice.

California “Shine the Light”

California residents may have additional rights under California Civil Code § 1798.83 concerning certain disclosures of personal information for third parties' direct marketing purposes.

Questions or requests concerning these rights may be submitted using the contact information above.

Privacy Contact Information

Last Updated: September 16, 2026