Privacy Policy

1. Introduction

Legacy Life & Annuities, LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

This policy applies to all visitors, users, and others who access our services and is designed to comply with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and state insurance privacy regulations.

2. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Request a quote or information about our products
• Fill out forms on our website
• Apply for insurance coverage or annuity products
• Communicate with us via phone, email, or chat
• Subscribe to our newsletters or marketing communications

This information may include:

• Name, email address, phone number, and mailing address
• Date of birth, age, and gender
• Health information, lifestyle habits, and medical history
• Financial information and coverage preferences
• Social Security number (when required for applications)
• Beneficiary information

Automatically Collected Information

When you access our website, we automatically collect certain information, including:

• IP address and browser type
• Device information and operating system
• Pages viewed and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process insurance applications and provide quotes
• To underwrite policies and assess risk
• To communicate with you about your account or our services
• To send administrative information, updates, and confirmations
• To provide customer support and respond to inquiries
• To comply with legal obligations and regulatory requirements
• To detect, prevent, and address fraud or security issues
• To improve our website, products, and services
• To send marketing communications (with your consent where required)

4. How We Share Your Information

We may share your information with:

Insurance Companies and Underwriters

We share your information with insurance carriers to process applications, obtain quotes, and issue policies.

Service Providers

We work with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service.

Legal and Regulatory Authorities

We may disclose your information when required by law, subpoena, or other legal process, or when we believe disclosure is necessary to protect our rights or comply with regulatory requirements.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

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

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection practices
• Secure data centers and backup systems

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request copies of your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal exceptions)
• Opt-Out: Opt out of marketing communications at any time
• Restriction: Request restriction of processing in certain circumstances
• Portability: Request transfer of your data to another service provider

To exercise these rights, please contact us using the information provided in Section 10.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our website.

8. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites and encourage you to review their privacy policies.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at: