Privacy Policy

1. Information we collect

You may voluntarily provide the following through the qualification and contact form:

• Full name, email address, phone number, and state of residence
• Age range, current life insurance coverage, and insurance preferences
• Financial and coverage-related questionnaire responses, including premium affordability, financial circumstances, and payment-account information
• Beneficiary preferences, such as whom you want coverage to protect
• Other information you submit and the communications permissions you select

We also process phone verification status, request and submission references, consent records, and agent-assignment information. Your verification code is submitted to Twilio to check your phone number.

Where permitted, the website and its providers may collect device and browser information, IP addresses, page visits and interaction data, cookies, and advertising attribution information, such as campaign tags. Browser session storage keeps questionnaire progress, campaign attribution, and a submission reference; contact fields are not saved in browser session storage by the form. A session cookie helps bind verification to your browser. Advertising choices and notice history are stored in your browser and recorded on the server.

The current page-visit and accepted-request notice requires explicit advertising permission. With that permission and no Global Privacy Control or refusal, an available browser user-agent may be stored privately for a permitted verified request. These details are kept separately from qualification answers and contact details. Visitor IP addresses are not included. A record of the notice shown, its version, time and any withdrawal is kept as evidence. Historical v7 records retain their original opt-out terms below.

2. How we use information

• Process your life insurance information request
• Match you with appropriately licensed insurance agents and help schedule consultations
• Contact you about requested coverage options, subject to your communications permissions
• Verify phone numbers, help prevent fraud and duplicate requests, and maintain request status
• Operate, maintain, troubleshoot, and improve the website
• Measure advertising effectiveness where enabled and permitted
• Maintain consent evidence and meet applicable legal obligations

Providing information does not guarantee insurance eligibility, underwriting approval, or coverage.

3. When information is shared

Information may be shared for the purposes above with:

• Premier Life Group and licensed insurance agents participating in the lead-routing program
• Insurance carriers or authorized service providers when needed to handle your insurance request or subsequent application
• GoHighLevel for customer relationship management and consultation scheduling
• Twilio for SMS phone verification
• Hosting and database service providers, including Lovable and Lovable Cloud
• Meta Platforms for permitted advertising measurement and attribution

The qualification form is an information request, not an insurance application to a carrier. Any subsequent carrier application may involve separate notices and information collection.

We do not intentionally transmit sensitive financial questionnaire answers, health information, beneficiary preferences, or applicant contact fields to Meta as advertising event parameters. This site’s Meta integration is limited to the measurement described below.

Depending on your jurisdiction and the circumstances, advertising disclosures or lead transfers may constitute a “sale,” “sharing,” or targeted advertising under privacy law even without a payment for data. This policy does not represent that every disclosure falls outside those definitions. See Your Privacy Choices to opt out of this site’s optional Meta measurement or request an applicable broader opt-out.

4. Cookies and advertising technologies

Browser Meta Pixel tracking, browser Meta events, and advertising cookies are not used on this site. The site attempts to expire accessible first-party Meta cookies previously set. Necessary session technologies remain for phone verification and request continuity.

Server-side Lead reporting to Meta. When you submit a verified information request, we may report one "Lead" event to Meta Platforms from our servers to measure and improve Facebook and Instagram advertising. This happens unless you have opted out in Your Privacy Choices or your browser sends a Global Privacy Control signal. The event may include only the event name, a request reference number, the time you submitted the form, the website address and the Meta ad-click identifier and browser type, if available. We do not send your name, email address, phone number, IP address, questionnaire answers, financial information, health information or beneficiary details. Opting out stops reporting for future requests but cannot recall events already sent. Opting out does not affect your insurance request or your call and text permissions. Depending on applicable law, this reporting may count as "sharing" or targeted advertising.

Current status. Meta reporting is OFF in this independent project. The page-visit and accepted-request measurement requires explicit advertising permission through Your Privacy Choices, plus independent platform and privacy validation before activation. Earlier consent never authorizes page visits or earlier requests. Visitor IP addresses are excluded from capture and reporting.

Explicit page-visit and accepted-request notice

Notice version: meta-measurement-explicit-v8. Text revision: pageview-lead-v8-2026-11-10.

With your explicit advertising permission, we may report permitted page visits (PageView) and verified information requests accepted by our GoHighLevel webhook (Lead) to Meta Platforms to measure and improve Facebook and Instagram advertising. Events contain only an event name, random event reference, original occurrence time, the approved website root address, and browser user-agent. We do not send contact details, IP addresses, questionnaire answers, financial or medical information, beneficiary information, agent names, initials, route paths or query parameters. Permission is separate from OTP verification and insurance-contact consent. Without permission, with a refusal or Global Privacy Control, no event is sent. Withdraw through Your Privacy Choices; withdrawal stops future sends and retries but cannot recall events already sent. Earlier choices and later permission never authorize earlier visits or requests. Reporting remains disabled until platform restrictions, privacy requirements and the production host have been validated.

Turn this off at any time through Your Privacy Choices. Missing, legacy or invalid evidence fails closed.

Advertising preferences are separate from permission for insurance-related calls and text messages. Agreeing to calls or texts, or requesting an SMS verification code, does not authorize advertising reporting, and opting out of advertising does not unsubscribe you from communications.

Historical v7 advertising notice preserved for existing records

Notice version: meta-lead-optout-v7. Text revision: optout-v7-2026-10-28.

We share limited information about your request with Meta (Facebook and Instagram) to measure and improve our advertising. You can turn this off at any time in Your Privacy Choices. When you submit a verified information request, we may report one "Lead" event to Meta Platforms from our servers to measure and improve Facebook and Instagram advertising, unless you have opted out in Your Privacy Choices or your browser sends a Global Privacy Control signal. The event may include only the event name, a request reference number, the time you submitted the form, the website address, and the Meta ad-click identifier and browser type, if available. We do not send your name, email address, phone number, IP address, questionnaire answers, financial information, health information or beneficiary details. Opting out stops reporting for future requests but cannot recall events already sent. Opting out does not affect your insurance request or your call and text permissions. Depending on applicable law, this reporting may count as "sharing" or targeted advertising. Full details are available in the Privacy Policy at /privacy-policy.

5. Your privacy rights and choices

Depending on where you live and which laws apply, you may have rights to access, correct, delete, or obtain a copy of personal information, and to opt out of certain sales, sharing, or targeted advertising. Applicable exceptions, identity verification, and legally required retention may affect a request. You may also request information about an appeal where applicable.

Your Privacy Choices provides a working control to turn off this site’s optional Meta advertising measurement and an email link for access, correction, deletion, and broader opt-out requests to Traffic Locker. Email info@trafficlocker.com with your request and enough information to locate it. Do not send verification codes, Social Security numbers, medical records, or other sensitive documents by email.

The site honors Global Privacy Control for its optional Meta tracking. Browser preferences apply to that browser; clearing storage or using another browser may require you to set your preference again. Rights requests concerning previously routed information or other browsers should also be sent to the privacy contact. Other recognized signals and broader state-law obligations require assessment for the jurisdictions in which we operate.

Withdrawing advertising permission records a refusal while preserving earlier evidence; it prevents further optional capture and any future permitted reporting. It does not automatically erase stored visitor details, consent evidence, your insurance request or information already routed to agents. Private visitor details remain subject to the 30-day limit unless an applicable deletion request is handled earlier. For deletion, other browsers or broader opt-outs, email the privacy contact so the operator can verify and handle the request and coordinate with recipients where required. These controls do not unsubscribe you from insurance calls or texts.

6. SMS and telephone communications

When you select Verify or Resend, you request an SMS verification code at the number provided. This request is separate from insurance marketing permissions. Message and data rates may apply.

If you provide the form’s communications permission, Premier Life Group and its licensed agents may contact you about your requested insurance information in accordance with the permission shown on the form. The current form requires that checkbox for submission, but not to request or verify an SMS code. Submitting the form does not authorize unrelated marketing.

To stop text messages, reply STOP to the sender. You may also ask the contacting business or agent to stop insurance-related calls or texts, or contact info@trafficlocker.com for assistance. Cookie settings do not change communications permissions. The operator must maintain the appropriate suppression and request-handling processes with its messaging providers.

7. Security and retention

The website uses measures designed to limit unauthorized access, including restricted access to verification and submission records, server-side handling of integration credentials, and checks that bind phone verification to a browser session. No website or transmission method can guarantee absolute security. Administrative and organizational safeguards depend on the operator’s procedures and provider arrangements.

Private Meta click identifiers, request IP addresses and browser user-agent information have a 30-day retention limit from capture. An active daily deletion job is scheduled for 03:15 UTC to remove expired visitor-metadata rows only. Physical deletion may occur at the next daily run after the limit; reporting independently excludes expired details immediately, even if deletion is delayed. The job's recent successful execution must still be verified before publication. Lead records, routing data, consent history and audit logs are retained separately; this cleanup does not delete them.

Other information is retained according to operational needs, request handling, fraud prevention, permission evidence, applicable legal obligations and the operator's retention policies. Prior consent records retain their original text and timestamps; new notices do not rewrite them or authorize earlier requests. Applicable deletion requests require operator handling and may be subject to legal retention exceptions. Advertising withdrawal does not itself delete records. Other providers have their own retention practices.

8. Children’s privacy

The website is intended for adults seeking life insurance information and is not directed to children under 18. If you believe a child has provided information, contact us so the circumstances can be reviewed and appropriate action taken.

9. Third-party services

Agent scheduling pages, insurance carriers, and providers such as GoHighLevel, Twilio, Meta, and Lovable may maintain separate privacy policies. Their handling of information is subject to their applicable terms and practices. Review their notices when visiting their pages or using their services. Links or redirects to another website do not mean this policy governs that website.

10. Updates and contact

The effective date is the actual publication date of this consent-only policy, not its preparation date or a Meta reporting activation date. Material changes require appropriate notice and, where required, fresh permission. Each consent record preserves the notice corresponding to that visitor's action; existing records and original timestamps are not retroactively changed. The current notice uses a unique version, meta-lead-optout-v7. Earlier v5 and v6 records retain their own notice version and original text, and never authorize reporting under the current version.

For privacy requests, contact Traffic Locker at info@trafficlocker.com. This email is active and monitored for privacy requests. No privacy mailing address or phone number has been provided. Trusted country provenance, successful cleanup execution and Meta platform eligibility require separate operational verification.