Privacy Policy
IUL Builder (“IUL Builder,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the information you provide to us.
This Privacy Policy explains how we collect, use, disclose, and protect information when you visit or use the IUL Builder website, submit a quote request or application, communicate with us, or otherwise use our online services.
By using the Site, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
Depending on how you interact with IUL Builder, we may collect information such as:
Contact Information
- First and last name
- Email address
- Telephone number
- Mailing address
- State of residence
Insurance and Application Information
When you request an insurance quote or complete an application, we may collect information necessary to evaluate your insurance needs, which may include:
- Date of birth
- Gender
- Height and weight
- Tobacco or nicotine use
- Occupation
- Lifestyle and recreational activities
- Driving history
- Citizenship or residency information
- Financial information relevant to the insurance application
- Health and medical information
- Prescription medication information
- Medical history
- Family medical history
- Other information requested by an insurance carrier for underwriting purposes
Some of this information may be considered sensitive or personal information under applicable law.
2. Information Collected Automatically
When you visit the Site, certain information may be collected automatically, including:
- IP address
- Browser type
- Device type
- Operating system
- Pages visited
- Date and time of visits
- Referring website
- General usage and interaction information
- Cookies and similar technologies
This information may be used to operate, maintain, secure, and improve the Site.
3. How We Use Your Information
We may use information we collect to:
- Respond to your requests and inquiries.
- Provide insurance information and quote services.
- Evaluate your insurance needs.
- Prepare or facilitate insurance quotes.
- Assist with insurance applications.
- Communicate with you regarding your request or application.
- Connect you with an appropriate licensed insurance professional.
- Communicate with insurance carriers and service providers as necessary to provide requested services.
- Improve our website and services.
- Maintain website security.
- Detect and prevent fraud or unauthorized activity.
- Comply with legal and regulatory requirements.
- Maintain business and insurance records.
- Send service-related communications.
4. Sharing Information
We may share your information when reasonably necessary to provide the services you request.
Depending on your interaction with IUL Builder, information may be shared with:
Insurance Carriers
Information may be provided to insurance companies for purposes such as quoting, underwriting, application processing, policy issuance, and servicing.
Licensed Insurance Professionals
Your information may be shared with licensed insurance professionals who assist with your quote, application, or insurance needs.
Service Providers
We may use third-party companies that provide services such as:
- Website hosting
- Data storage
- Customer relationship management
- Email delivery
- Application processing
- Analytics
- Security
- Technical support
These providers may access information only as necessary to perform services on our behalf and subject to applicable contractual or legal requirements.
Legal and Regulatory Requirements
We may disclose information when required or permitted by law, regulation, legal process, court order, or governmental request, or when necessary to protect the rights, property, or safety of IUL Builder, our users, or others.
5. Insurance Carrier Privacy Practices
When your information is submitted to or collected by an insurance carrier, that carrier's privacy policy and information practices may also apply.
IUL Builder does not control the privacy practices of insurance companies or other third parties.
You should review the applicable privacy policies of those organizations.
6. Health and Medical Information
Information relating to your health or medical history may be collected when necessary for an insurance quote or application.
Such information may be shared with insurance carriers, licensed insurance professionals, underwriting organizations, or other authorized parties as necessary to evaluate and process your insurance application, subject to applicable law and the privacy practices of those parties.
We take reasonable measures to protect sensitive information from unauthorized access.
7. Cookies and Similar Technologies
IUL Builder may use cookies, pixels, analytics tools, and similar technologies to help operate the Site, understand how visitors use the Site, improve functionality, and measure website performance.
You may be able to control cookies through your browser settings. Disabling certain cookies may affect the functionality of the Site.
8. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, or destruction.
However, no internet transmission or electronic storage system can be guaranteed to be completely secure.
Therefore, we cannot guarantee absolute security of information transmitted to or stored by us.
9. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide requested services, maintain business and insurance records, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements.
Retention periods may vary depending on the type of information and applicable requirements.
10. Your Choices
You may contact us to:
- Request information about personal information we maintain about you.
- Request correction of inaccurate information.
- Ask questions about how your information is used.
- Request that we update your contact information.
- Ask us about applicable privacy rights available to you under state or federal law.
Certain information may need to be retained when required by law, regulation, insurance requirements, legitimate business purposes, or other applicable obligations.
11. Communications
If you submit a quote request or application, we may contact you using the information you provide regarding your request, application, insurance options, or related services.
You may contact us regarding your communication preferences.
Please note that opting out of certain communications may affect our ability to provide services related to an active quote or application.
12. Children's Privacy
The Site is not intended for children under the age of 18.
We do not knowingly collect personal information from children under 18 through the Site.
If you believe that a child has provided personal information to us, please contact us so that we can take appropriate steps.
13. Third-Party Websites
The Site may contain links to third-party websites.
IUL Builder is not responsible for the privacy practices, security, content, or policies of third-party websites.
We encourage you to review the privacy policy of any third-party website you visit.
14. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or services.
When we make changes, we will post the updated Privacy Policy on this page and update the Effective Date.
Your continued use of the Site after the updated Privacy Policy is posted constitutes your acknowledgment of the updated policy.
15. Contact Us
If you have questions about this Privacy Policy or how your information is handled, please contact us:
IUL Builder.com
620 Gorge Rd., Suite 304
Cliffside Park, NJ 07010
Email: service@iulbuilder.com
Insurance products offered through licensed insurance advisors. Producer License: NJ1000903
