Privacy Policy

1. Introduction

1035Advisor ("Company," "we," "us," or "our") operates the website located at www.1035advisor.com (the "Site"). We are a licensed insurance agency specializing in life insurance policy analysis and 1035 exchange services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our Site or use our services.

This Policy is designed to comply with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA/CPRA), the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and all applicable state insurance privacy regulations.

By using this Site, you consent to the data practices described in this Policy. If you do not agree, please discontinue use of the Site.

2. Information We Collect

We may collect the following categories of personal information:

• Contact Information: Name, email address, phone number, and mailing address provided through our contact forms, lead capture forms, or account registration.
• Financial Information: Policy details, premium amounts, cash values, death benefit amounts, and other insurance-related data you voluntarily provide or upload through our analysis tools.
• Profile Information: Age, income, net worth, health status, number of dependents, and financial goals provided through our client profile wizard.
• Uploaded Documents: In-force life insurance illustrations and other PDF documents you upload for analysis purposes.
• Usage Data: IP address, browser type, device identifiers, pages visited, time spent on pages, and referring URLs collected automatically through cookies and similar technologies.
• Communications: Records of your correspondence with us, including phone calls, emails, and form submissions.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and improve our insurance analysis and advisory services.
• To analyze your life insurance policy and generate suitability assessments.
• To contact you regarding your inquiry, callback request, or submitted analysis.
• To send you educational content, newsletters, and marketing communications (with your consent).
• To comply with applicable insurance regulations, including replacement notice requirements.
• To detect, prevent, and address fraud, security incidents, and technical issues.
• To fulfill our legal and regulatory obligations as a licensed insurance agency.

4. Gramm-Leach-Bliley Act (GLBA) Notice

As a licensed insurance agency, we are a "financial institution" under the GLBA. We collect nonpublic personal information (NPI) about you in the course of providing insurance products and services. We do not sell your NPI to third parties. We may share your NPI with:

• Insurance carriers for the purpose of obtaining quotes, applications, and policy placement in connection with a 1035 exchange or new policy.
• Service providers who assist us in operating our website and conducting our business, under written agreements requiring them to protect your information.
• Regulatory authorities as required by applicable law, court order, or government regulation.

You have the right to opt out of certain information sharing. To exercise this right, contact us at [email protected].

5. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt Out: You have the right to opt out of the sale or sharing of your personal information. We do not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise any of these rights, submit a verifiable consumer request to [email protected] or call us at our listed phone number. We will respond within 45 days.

6. Telephone Consumer Protection Act (TCPA)

When you provide your phone number through our contact forms or callback request forms, and check the consent box, you expressly consent to receive calls and text messages from 1035Advisor at the number provided, including calls made using automated dialing equipment or pre-recorded messages, for the purpose of discussing your insurance inquiry. You understand that consent is not a condition of purchase and that you may revoke consent at any time by replying STOP to any text message or contacting us at [email protected].

7. Data Security

We implement administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, and disclosure. Uploaded policy documents are stored using encrypted cloud storage and are accessible only to authorized personnel. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with our legal obligations (including insurance regulatory recordkeeping requirements), resolve disputes, and enforce our agreements. Insurance-related records may be retained for a minimum of five (5) years as required by applicable state insurance regulations.

9. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect usage data, improve our Site, and analyze traffic. You may control cookie settings through your browser. Disabling cookies may affect the functionality of certain features of our Site.

10. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Children's Privacy

Our Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

12. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us: