Privacy Policy

1. Information We Collect

We collect information that you provide directly to us through online forms, phone calls, email correspondence, and interactions with our licensed agents. This includes:

Personal Identifiable Information:

• Full name and contact information (address, phone number, email)
• Date of birth and identification numbers
• Social security number (when required for insurance applications)

Health Information:

• Medical history and current health status
• Prescription medications
• Health questionnaire responses

Financial Information:

• Bank account or credit card details for premium payments
• Financial history relevant to insurance underwriting

Insurance Preferences:

• Policy type and coverage preferences
• Beneficiary information
• Other information you choose to provide

2. How We Use Your Information

We use the information we collect to:

• Process your insurance applications
• Communicate with you about your policy
• Send you important updates and notifications
• Improve our services and customer experience
• Comply with legal obligations

3. Telephone and SMS Consent

By submitting your contact information through our website, forms, or ads, you grant Horus Legacy LLC (DBA Life Insurance Services) consent to contact you by telephone, SMS, or email to discuss insurance products and services. This may include calls or messages using automated dialing systems or pre-recorded messages.

Consent is voluntary and is not a condition of purchasing any insurance policy. You may revoke your consent at any time by contacting us at support@lifeinsuranceservices.com or calling (800) 983-1179. Message and data rates may apply.

4. Information Sharing

We may share your information with:

• Insurance carriers and underwriters
• Service providers and partners
• Legal and regulatory authorities
• Other parties with your consent

5. Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

We use the following types of cookies:

• Essential cookies: Necessary for the website to function properly
• Analytical/performance cookies: Allow us to recognize and count visitors and see how they move around our website
• Functionality cookies: Enable us to personalize content for you
• Targeting cookies: Record your visit to our website, the pages you visit, and the links you follow

Google Ads and Remarketing:

We use Google Ads remarketing cookies to display relevant advertisements to users who have previously visited our website. Google uses cookies to serve ads based on your past visits. You may opt out of personalized advertising by visiting Google Ads Settings or the Network Advertising Initiative opt-out page.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

7. Data Retention

We will retain your personal information for up to 3 years or as required by applicable state insurance regulations, whichever is longer. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies. After the retention period, your data will be securely deleted or anonymized.

8. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Opt-out of marketing communications
• Restrict or object to processing of your data
• Data portability (receiving your data in a structured, machine-readable format)
• File a complaint with regulatory authorities

California Residents: Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information. You have the right to know what personal information we collect, disclose, or sell, and the right to request deletion of your personal information.

European Residents: Under the General Data Protection Regulation (GDPR), European residents have additional rights regarding their personal data, including the right to be forgotten and the right to restrict processing.

9. Children's Privacy

Our services are not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Life Insurance Services
Phone: (800) 983-1179
Email: support@lifeinsuranceservices.com