Privacy Policy

Last updated: October 22, 2025

Information We Collect

When you use our services, we may collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, and other contact details you provide
• Health Information: Medical conditions, medications, and health-related information for insurance quotes. This information is collected solely for underwriting purposes and is protected with enhanced security measures similar to HIPAA standards.
• Financial Information: Coverage preferences, financial goals, and insurance needs
• Technical Information: IP address, browser type, device information, and usage data

How We Use Your Information

We use your information to:

• Provide personalized life insurance quotes and recommendations
• Contact you about insurance products and services
• Process your insurance applications and claims
• Improve our website and services
• Comply with legal and regulatory requirements
• Send you marketing communications (with your consent)

Information Sharing

We may share your information with:

Insurance Carriers

We share necessary information with insurance companies to obtain quotes and process applications. These carriers have their own privacy policies and are bound by insurance regulations.

Service Providers

We work with trusted third-party service providers who help us operate our business, such as:

• Email service providers
• Website hosting services
• Analytics providers
• Customer relationship management systems

Legal Requirements

We may disclose information when required by law, court order, or to protect our rights and safety.

Your Rights and Choices

You have the right to:

• Access: Request information about the personal data we have about you
• Correction: Request that we correct inaccurate information
• Deletion: Request that we delete your personal information (subject to legal requirements)
• Opt-out: Unsubscribe from marketing communications at any time
• Portability: Request a copy of your data in a portable format

Data Security

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

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Limited access to personal information on a need-to-know basis
• Employee training on data protection practices

TCPA Compliance

Marketing Communications

By providing your phone number, you consent to receive marketing calls and text messages from Mowry Agency and our partner insurance carriers. This consent is not required to purchase insurance.

Consent Tracking

We maintain records of your consent, including:

• Date and time of consent
• IP address and user agent information
• The specific consent language presented to you

Opt-Out Rights

You may opt out of marketing communications at any time by:

• Replying STOP to text messages
• Calling us at (930) 322-1962
• Emailing mowryagency@gmail.com
• Using the unsubscribe link in emails

Health Information Protection

While we are not subject to HIPAA as an insurance agency, we voluntarily apply similar standards to protect your health information:

• Health information is encrypted and stored securely
• Access is limited to authorized personnel only
• We do not sell health information to third parties
• Health information is only shared with insurance carriers for underwriting purposes

Cookies and Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Ensure website security and functionality

You can control cookie settings through your browser preferences.

Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect personal information from children under 18 without parental consent.

State-Specific Rights

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, sold, or disclosed.

Other States

Residents of other states may have additional privacy rights under state law. Contact us for information about your specific rights.

International Users

Our services are primarily intended for U.S. residents. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States.

Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Generally:

• Lead information: 7 years from last contact
• Policy information: 7 years after policy termination
• Marketing preferences: Until you opt out
• Website analytics: 26 months

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on our website and updating the "Last Modified" date.

Contact Us

If you have questions about this Privacy Policy or want to exercise your privacy rights, please contact us:

Mowry Agency
Email: mowryagency@gmail.com
Phone: (930) 322-1962
Address: 1284 W Rangeview Cir, Bloomington, IN 47403

For privacy-related concerns, you may also contact our privacy officer at the above email address with "Privacy" in the subject line.

Mowry Agency is owned and operated by Mowry Digital Enterprise LLC. We are committed to protecting your privacy and maintaining the security of your personal information.