# Privacy Policy | Protected With Love
> How Protected With Love collects, uses, protects, and retains personal information, including SMS consent, cookies, disclosures, and your rights.
Canonical page: https://protectedwithlove.com/privacy

# Privacy *Policy.*

Effective date: September 19, 2026

Protected With Love, LLC ("we," "us," "our") is the insurance and tax practice of Krystal Londono, a licensed insurance agent and broker (NPN 16261381) based in Miami, Florida. This policy explains what we collect, why we collect it, and the choices you have. Questions are welcome any time at (561) 786-7171.

## 1. Definitions

"Personal information" means information that identifies you, such as your name, contact details, and date of birth. "Sensitive information" means data such as Social Security numbers, government identifiers, financial details, and health information provided for insurance applications or tax preparation.

## 2. Information We Collect

- Contact details: name, phone, email, and address.
- Quote and application details: date of birth, health and lifestyle answers, coverage goals, and beneficiary information.
- Tax preparation details: income documents, dependents, deductions, SSNs, and signatures you submit through our secure forms.
- ACA Marketplace check-in details: ZIP code, household size, an income range, who needs coverage, recent life changes, and the consent you sign by typing your full name. That consent is recorded with the date and time, the exact version of the consent text you saw, and the IP address, device, and browser used to sign it. The check-in never asks for a Social Security number or date of birth.
- Technical data: device, browser, IP address, pages visited, and similar analytics signals.

## 3. Where It Comes From

Directly from you through forms, surveys, calls, texts, and meetings; from insurance carriers and underwriting partners during an application; and automatically through cookies and similar technology when you browse this site.

## 4. How We Use It

- To provide quotes, place coverage, and service policies.
- To prepare and file tax returns you engage us for.
- To respond to inquiries and schedule appointments.
- To send service communications and, with consent, occasional marketing.
- To operate, secure, and improve this website.

## 5. Sharing and Disclosure

We share information with insurance carriers and underwriting partners to obtain quotes and place coverage, and with service providers such as CRM, hosting, scheduling, and analytics vendors who process it on our behalf. We may disclose information when required by law. **We do not sell personal information.**

## 6. SMS and Text Messaging

When you opt in, we may text you appointment reminders, responses to inquiries, and service related communications, and occasional marketing where you consented. Message frequency varies and message and data rates may apply. Text HELP to (954) 231-3457 (our SMS support line) for assistance. Reply STOP at any time to unsubscribe. Consent to receive texts is not a condition of purchase.

## 7. Cookies and Tracking

We use cookies to operate and secure the website, remember preferences, and analyze traffic. You can manage cookies in your browser settings; disabling them may affect site functionality.

## 8. Security

Forms submit over encrypted connections and sensitive data is handled through secure, access controlled systems. No method of transmission or storage is perfectly secure, but we treat your data the way we would want ours treated.

## 9. Retention

We keep personal information only as long as needed for the purposes above, to comply with legal, tax, and insurance record keeping obligations, and to resolve disputes. Marketplace consent records are kept for at least ten years, as federal rules require (45 CFR 155.220), and are produced to the Centers for Medicare and Medicaid Services on request.

## 10. Your Rights

Depending on your state, you may have rights to access, correct, or delete personal information and to limit certain uses. To exercise any of these, call (561) 786-7171 or send a request through the [contact form](https://protectedwithlove.com/contact). We respond to verified requests within the time required by law.

## 11. Children

This website is not directed to children under 13 and we do not knowingly collect their personal information. Dependent information supplied by a parent or guardian for insurance or tax purposes is used only for those services.

## 12. Changes to This Policy

We may update this policy from time to time. The effective date above reflects the latest revision, and material changes will be posted on this page.

## 13. Contact

Protected With Love, LLC • Miami, Florida • (561) 786-7171 • [Contact form](https://protectedwithlove.com/contact)

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