Privacy Policy &
Communications Consent

Personal Information

We may collect personal information including, but not limited to:

• Full name
• Email address
• Phone number (mobile or landline)
• Mailing address
• Date of birth or age range (if voluntarily provided)
• Information related to insurance inquiries or eligibility

Non-Personal Information

• IP address
• Browser type
• Device and operating system information
• Website usage data
• Cookies and similar tracking technologies

We collect information when you:

• Submit forms on our website, landing pages, or surveys
• Complete Facebook, Meta, or third-party lead forms
• Interact with our advertisements
• Communicate with us via phone, SMS, email, or chat
• Engage with AI-powered chat, voice, or automation tools

We may use your information to:

• Provide insurance-related information, quotes, and services
• Contact you regarding insurance products, applications, or follow-ups
• Deliver calls, SMS/MMS messages, emails, and marketing communications (only if you have opted in)
• Use AI-assisted technology to route calls, respond to inquiries, analyze communications, schedule appointments, or improve service quality
• Improve our services, marketing, and user experience
• Comply with legal, regulatory, and insurance obligations

By submitting your information through our website, forms, advertisements, surveys, or lead pages, you expressly consent to receive communications from Charmane Ackerman / Critical Life Insurance Agency and its licensed insurance agents or representatives, including:

• Telephone calls (live or prerecorded)
• Text messages (SMS/MMS)
• Emails and marketing emails
• Artificial or prerecorded voice messages

Communications may be made using an automatic telephone dialing system (autodialer) or AI-powered voice, chat, or messaging technology, for marketing, informational, or transactional purposes related to insurance products and services.

If you opt in to receive SMS or MMS messages:

• Message frequency varies based on your interaction with our services
• Message and data rates may apply, depending on your mobile carrier and plan

Mobile Data Protection

• No mobile information will be shared with third parties or affiliates for marketing or promotional purposes
• Information sharing is permitted only with subcontractors, aggregators, or service providers (such as SMS platforms, AI providers, CRM systems, or customer support vendors) solely to enable and operate our communications services
• Text messaging originator opt-in data and consent will never be sold, rented, or shared for marketing purposes

If you opt in to receive emails from us:

• Emails may include transactional, informational, or marketing content
• You may unsubscribe at any time using the unsubscribe link included in our emails
• We will not sell or rent your email address to third parties for marketing

We may use artificial intelligence (AI) and automated technologies to:

• Respond to inquiries via chat or voice
• Assist with scheduling and follow-ups
• Route calls or messages to licensed agents
• Analyze conversations for quality assurance, training, or compliance

You may opt out of communications at any time using any of the methods below:

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no transmission or storage system is completely secure, and we cannot guarantee absolute security.

We retain personal information only as long as necessary to:

• Fulfill the purposes outlined in this policy
• Meet legal, regulatory, and insurance recordkeeping requirements

We may use third-party providers including CRM systems, SMS aggregators, AI platforms, analytics providers, and marketing tools. These providers are contractually obligated to protect your information and may only use it for authorized purposes.

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised "Last Updated" date. Continued use of our services constitutes acceptance of the updated policy.