Privacy Policy

1. Introduction

Welcome to Hoosier Life Insurance ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us through various channels including SMS text messaging, email, and phone.

By using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

We collect several types of information from and about users of our services:

Personal Information

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, date of birth, gender, marital status
• Financial Information: Income level, employment status, insurance needs and preferences
• Health Information: General health status, smoking status, medical history (only when necessary for insurance quotes)
• Communication Records: Records of your communications with us via phone, email, SMS, or other channels

Automatically Collected Information

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, referring website
• Location Data: General geographic location based on IP address
• Cookies and Tracking Technologies: Information collected through cookies, web beacons, and similar technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide Services: To provide insurance quotes, policy recommendations, and related services
• Communication: To respond to your inquiries, send appointment reminders, and provide customer support
• Marketing: To send promotional materials, newsletters, and information about products and services that may interest you
• Improvement: To analyze usage patterns and improve our website, services, and customer experience
• Compliance: To comply with legal obligations, enforce our terms, and protect our rights
• Personalization: To personalize your experience and deliver content relevant to your interests

5. Email Communications

When you provide your email address, you may receive:

• Service-related emails (quote confirmations, appointment reminders, policy updates)
• Marketing emails (newsletters, promotional offers, educational content)
• Transactional emails (password resets, account notifications)

You can unsubscribe from marketing emails at any time by clicking the "unsubscribe" link at the bottom of any marketing email or by contacting us directly. Please note that you may still receive service-related emails even after unsubscribing from marketing communications.

6. Sharing of Information

We may share your information with:

• Insurance Carriers: To obtain quotes and process insurance applications on your behalf
• Service Providers: Third-party vendors who perform services on our behalf (CRM systems, email platforms, SMS providers, analytics services)
• Business Partners: Trusted partners who may offer products or services that complement ours
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect our rights, property, safety, or that of our users or others

We do not sell your personal information to third parties for their marketing purposes without your explicit consent.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection and privacy
• Secure data storage and backup systems

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Cookies & Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities and preferences. These technologies help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website performance and user experience
• Deliver targeted advertising and measure campaign effectiveness
• Analyze traffic patterns and trends

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

9. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Opt out of marketing communications, SMS messages, and certain data processing activities
• Data Portability: Request a copy of your data in a portable format
• Restriction: Request restriction of processing in certain circumstances

To exercise any of these rights, please contact us using the information provided in the Contact section below.

10. 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 you believe we have collected information from a child, please contact us immediately so we can delete the information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.