Privacy Policy

Last Updated: 03/01/2026

This Privacy Policy explains how Protected With Love (“we,” “us,” or “our”) collects, uses, discloses, and safeguards personal information when you visit our website, request information, submit forms, apply for insurance products, or otherwise communicate with us. This Privacy Policy applies to individuals in the United States and does not apply to workforce-related personal information collected from employees or contractors.

1. Who We Are

Business Name: Protected With Love, Licensed Insurance Agent / Broker

Email: [email protected]

Phone: (954) 231-3457

We provide information and assistance related to insurance products, including but not limited to life insurance, indexed universal life insurance, annuities, final expense insurance, and mortgage protection insurance. Coverage availability and guarantees are subject to carrier underwriting and policy terms.

2. Definitions

Personal Information means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to a particular individual or household.

Sensitive Personal Information includes information such as Social Security number, driver’s license number, financial account information, insurance policy numbers, and health-related information required for underwriting.

3. Categories of Personal Information We Collect

We may collect the following categories of personal information:

Identifiers, such as name, email address, phone number, mailing address, and IP address.

Insurance and financial information, such as date of birth, gender where relevant for quoting, tobacco or nicotine use, coverage goals, insurance policy numbers, and beneficiary information.

Health-related information, such as general health history or conditions required for underwriting or pre-qualification and medical disclosures voluntarily submitted through applications or forms.

Internet and usage data, such as browser type, device information, pages visited, interactions with the website, and analytics data.

Communications, including emails, SMS messages, phone calls, voicemails, and form submissions.

We do not collect personal information beyond what is reasonably necessary to provide insurance-related services.

4. Sources of Personal Information

We may collect personal information from you directly through forms, applications, calls, emails, SMS messages, and appointment scheduling.

We may also collect information through our website and automated technologies such as cookies and analytics tools.

Additional sources may include insurance carriers and underwriting partners, service providers that support our operations, and publicly available sources where permitted by law.

5. How We Use Personal Information

We use personal information to respond to inquiries and provide insurance quotes, assist with applications, underwriting, and policy placement, communicate regarding appointments and coverage options, share necessary information with insurance carriers, maintain records required by insurance regulations, provide customer support, improve website performance and user experience, prevent fraud and unauthorized activity, and comply with legal, regulatory, and licensing obligations.

We do not sell personal information.

6. Disclosure of Personal Information

We may disclose personal information to insurance carriers and underwriting partners for quoting, policy issuance, and servicing. We may disclose information to service providers that support our operations, such as CRM systems, website hosting, analytics, scheduling, email, SMS, call tracking, and compliance tools.

We may disclose information to legal or regulatory authorities when required by law and to professional advisors such as legal, accounting, or compliance providers as necessary.

All third parties are required to use personal information only for legitimate business or legal purposes.

7. Mobile Information and SMS Compliance

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information sharing with service providers supporting customer service or compliance operations is permitted.

All other use cases exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties.

8. Text Messaging and Consent

If you opt in to receive SMS messages, we may send appointment reminders, responses to inquiries, and service-related communications.

You may opt out at any time by replying STOP.

For help, reply HELP or contact [email protected].

Message and data rates may apply.

We maintain records of SMS consent and opt-out status as required by law.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to operate and secure our website, remember user preferences, analyze website traffic, and improve performance and marketing effectiveness.

You can manage cookies through your browser settings. Disabling cookies may affect certain website functionality.

10. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

However, no system or transmission of data can be guaranteed to be completely secure.

11. Data Retention

We retain personal information only for as long as necessary to provide requested services, meet insurance regulatory and recordkeeping requirements, resolve disputes, and enforce agreements.

Retention periods vary based on the type of data and applicable legal obligations.

12. Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to request access to personal information, request correction of inaccurate information, request deletion of personal information subject to regulatory retention requirements, and request information about disclosures of personal information.

We do not sell or share personal information as those terms are defined under the California Consumer Privacy Act and related laws.

Requests may be submitted by contacting us using the information provided below. Identity verification may be required.

13. Children’s Privacy

Our services are intended for adults. We do not knowingly collect personal information from individuals under the age of 18.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised Last Updated date. Continued use of the website constitutes acceptance of the updated policy.

15. Contact Information

If you have questions about this Privacy Policy or how your personal information is handled, contact:

Protected With Love

Email: [email protected]

Phone: (954) 231-3457

Important Insurance Disclosure

We are a licensed insurance professional. Insurance products are subject to underwriting, carrier approval, and policy terms. Guarantees are backed by the issuing insurance company, not by Protected With Love.