Privacy Policy

Privacy Policy

Effective Date: 6/5/2025

Legacy by Lili values your privacy. This Privacy Policy explains how we collect, use, share, and protect your information, in compliance with applicable laws including the Texas Insurance Code, Gramm-Leach-Bliley Act (GLBA), and Health Insurance Portability and Accountability Act (HIPAA), where applicable.

This policy applies when you visit our website [Insert URL], use our services, or interact with us in any capacity as a client or potential client in the state of Texas.

1. Information We Collect

We may collect the following types of Personal Information:

• Name
• Date of birth
• Address
• Email address
• Phone number
• Social Security number (only when required for insurance applications)
• Health and medical history (when necessary for underwriting)
• Financial data (for insurance product suitability and application)
• Beneficiary information
• Any other information you submit to us voluntarily

We may also collect Non-Personal Information, such as:

• IP address
• Browser type
• Time and date of access
• Pages visited
• Device type

2. How We Use Your Information

We use your data to:

• Provide life insurance quotes and policy comparisons
• Assist with applications and communicate with insurance carriers
• Answer questions and provide personalized client service
• Comply with legal and regulatory requirements
• Send relevant updates or promotional materials (with your consent)
• Enhance the performance and usability of our website and services

3. Protecting Your Insurance Information

We are licensed to operate in Texas and comply with Texas Insurance Code Chapter 601, which governs the protection of nonpublic personal information collected in the insurance business.

We are also committed to federal standards set forth under GLBA and HIPAA, where applicable. We protect your sensitive insurance-related data in the following ways:

• Secure transmission of information using encryption protocols
• Access control—only authorized agents or personnel can view client files
• Firewalls, password protections, and anti-malware tools
• Physical safeguards for documents that contain personal data
• Regular data security reviews and privacy training for team members

We will never share or sell your personal information without your consent, except as required by law or in support of your insurance transactions.

4. Sharing Your Information

We may share your information only under these conditions:

• With licensed insurance carriers solely to provide quotes or process applications
• With trusted service providers under contractual confidentiality obligations
• When legally required (e.g., court order, subpoena, regulatory inquiry)
• With your written authorization

We do not sell, trade, or rent your personal information to third parties.

5. Your Privacy Rights in Texas

Under Texas law, you have the right to:

• Know what personal information we have about you
• Request correction or deletion of your information
• Opt out of any information sharing not required for your insurance services
• Receive a copy of our privacy notice upon request

To exercise your rights, please contact us at:

📧 Email: insuredbylili@outlook.com

6. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, and to meet legal or regulatory obligations.

7. Cookies & Website Tracking

We may use cookies to improve your browsing experience and understand how users interact with our site. You can adjust your browser settings to disable cookies.

8. Third-Party Websites
Our site may link to other websites not under our control. We are not responsible for the content or privacy practices of those sites.

9. Updates to This Policy

We may update this Privacy Policy to reflect changes in regulations, technologies, or our business practices. The revised policy will be posted with a new effective date.

10. Contact Us

If you have any questions or concerns about your privacy or this policy, please reach out:

Legacy by Lili

📧 Email: insuredbylili@outlook.com