Privacy Policy

Patriot Life Solutions ("Patriot Life Solutions," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit an insurance inquiry, communicate with us, or otherwise use our services.

By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal information that you voluntarily provide to us, including through forms on our website.

Information we may collect includes:

- First name

- Last name

- Date of birth

- Telephone number

- Email address

- Tobacco use status

- Information you provide during subsequent telephone, email, text message, or other communications with us

- Information necessary to assist you with insurance inquiries, quotes, applications, or policy servicing

We may also automatically collect certain technical information when you visit our website, such as:

- IP address

- Browser type

- Device type

- Operating system

- Pages visited

- Date and time of your visit

- Referring website or source

- Website usage and interaction information

This information may be collected through cookies, analytics tools, pixels, or similar technologies.

2. How We Use Your Information

We may use the information we collect to:

- Respond to your request for information about life insurance products

- Determine which insurance products may be appropriate for your needs

- Assist with insurance quotes, eligibility assessments, and applications

- Contact you by telephone, email, or text message regarding your inquiry

- Communicate with you about insurance products and services

- Connect you with appropriate licensed insurance professionals

- Provide customer service and respond to questions

- Maintain business and customer records

- Improve our website, services, and marketing

- Prevent fraud, misuse, and security incidents

- Comply with applicable laws, regulations, licensing requirements, and legal obligations

Submitting information through our website does not guarantee eligibility for insurance coverage, a particular premium, or issuance of a policy.

3. Insurance Information and Tobacco Use

Certain information, including your date of birth and tobacco use status, may be used to help determine which insurance products, carriers, benefit amounts, or estimated pricing may be appropriate for you. Insurance eligibility, rates, underwriting decisions, and policy issuance are determined by the applicable insurance carrier and are subject to the carrier's underwriting requirements, policy terms, and applicable law. Information submitted through our website should not be considered a formal insurance application unless specifically stated otherwise.

4. How We May Share Your Information

We may share personal information when reasonably necessary to provide the services you request. This may include sharing information with:

- Licensed insurance agents and representatives working with Patriot Life Solutions

- Insurance carriers and insurance-related organizations when necessary to obtain quotes, determine eligibility, process applications, or provide insurance services

- Customer relationship management, website hosting, communications, email, telephone, texting, scheduling, analytics, and other technology service providers

- Professional advisors, such as attorneys, accountants, or compliance professionals

- Government agencies, regulators, courts, or law enforcement when required by law

- Other parties when necessary to protect our legal rights, prevent fraud, enforce agreements, or protect the safety of individuals or our business

We may also disclose information as part of a merger, acquisition, reorganization, sale of assets, or other business transaction. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.

We do not sell personal information for monetary compensation.

5. Telephone, Email, and Text Communications

If you provide a telephone number and the proper consent or email address, we may use that information to communicate with you regarding your insurance inquiry, requested services, appointments, applications, or other relevant information. Where required by applicable law, we will obtain appropriate consent before sending marketing communications. If appropriate consent is given through our web form or other methods you may receive automated messaging from Patriot Life Solutions. Messages may be sent using an automated telephone dialing system, automated messaging technology, or similar technology. Message frequency may vary. Message and data rates may apply.

You may request that we stop sending marketing text messages by replying STOP to a text message. You may also request to stop receiving marketing emails by using the unsubscribe instructions contained in those emails, when applicable. Consent to receive marketing communications is not a condition of purchasing insurance unless otherwise permitted by law. Message and data rates may apply to text communications.

6. Cookies and Website Technologies

Our website may use cookies, tracking technologies, analytics services, and similar technologies to understand how visitors use the website and to improve our services. These technologies may collect information such as your device type, browser, IP address, pages viewed, interactions with the website, and referring source. Depending on your browser and device settings, you may be able to block or delete cookies. Disabling certain cookies may affect the functionality of the website.

7. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, loss, or misuse. However, no website, electronic transmission, or data storage system can be guaranteed to be completely secure. Therefore, we cannot guarantee the absolute security of information transmitted to or stored by us.

8. Data Retention

We may retain personal information for as long as reasonably necessary to:

- Respond to your insurance inquiry

- Maintain our business relationship with you

- Provide insurance-related services

- Maintain required business and compliance records

- Resolve disputes

- Prevent fraud

- Enforce agreements

- Satisfy legal, regulatory, licensing, or contractual obligations

Retention periods may vary depending on the type of information and applicable legal requirements.

9. Your Privacy Choices and Rights

Depending on where you live, applicable law may provide you with certain rights regarding your personal information.

These rights may include the ability to request:

- Access to personal information we maintain about you

- Correction of inaccurate personal information

- Deletion of certain personal information

- Information regarding how your personal information is used or disclosed

- Withdrawal of certain communications or marketing preferences

- Other rights provided under applicable state or federal law

Certain information may be exempt from these requests where retention or disclosure is required or permitted by law. To submit a privacy request, please contact us using the information provided in the Contact Us section below. We may need to verify your identity before processing certain requests.

10. Third-Party Websites and Services

Our website may contain links to insurance carriers, service providers, social media platforms, or other third-party websites. We are not responsible for the privacy, security, content, or business practices of third-party websites or services. Their collection and use of information are governed by their own privacy policies. We encourage you to review the privacy policies of any third-party websites you visit.

11. Children's and Minors' Privacy

Our website and services are intended for adults age 18 and older and are not directed toward children or minors. We do not knowingly solicit or collect personal information through our website from individuals under the age of 18. If we learn that we have collected personal information directly from an individual under 18, we may take reasonable steps to delete the information, subject to applicable legal and recordkeeping requirements. Parents or legal guardians who believe that a minor has provided personal information to us through our website may contact us using the information provided in the Contact Us section below.

12. Insurance Carrier Privacy Practices

If you apply for an insurance policy, the insurance carrier may collect additional information directly from you or through authorized third parties as part of its application and underwriting process. The carrier's collection, use, disclosure, and retention of that information will be governed by the carrier's privacy notices, policies, and applicable laws.

Patriot Life Solutions does not control the privacy practices of independent insurance carriers.

13. Do Not Track and Browser Privacy Signals

Some browsers and devices provide privacy preference signals or "Do Not Track" settings. Because standards regarding these technologies continue to develop, our website may not respond to all browser-based signals unless required by applicable law.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, technology, legal requirements, or services. When changes are made, we will update the effective date at the top of this Privacy Policy. We encourage you to review this page periodically.

15. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or would like to submit a privacy-related request, please contact:

Patriot Life Solutions

Email: [email protected]

Phone: (725) 433-4851

Mailing Address: 4894 West Lone Mountain Rd, Unit 252, Las Vegas, NV 89130