Effective Date: November 01, 2024

1. Introduction

EverGuard Advisors ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

1.1 Scope

This policy applies to information we collect:

*Through our website

*In email, text, and other electronic communications

*Through our life insurance services

*When you interact with our advertising and applications on third-party websites

1.2 Your Consent

By accessing or using our services, you consent to this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

*Contact Information: Name, email address, postal address, phone number

*Identity Information: Date of birth, Social Security number, driver's license

*Financial Information: Bank account numbers, credit card information

*Insurance Information: Policy details, claims history, medical information

*Professional Information: Employment status, income, occupation

2.2 Automatically Collected Information

*Device Information: IP address, browser type, operating system

*Usage Data: Pages visited, time spent, referring URLs

*Location Data: General location based on IP address

*Cookies and Similar Technologies: Web beacons, pixels, and other tracking technologies

3. How We Use Your Information

3.1 Primary Purposes

*Process insurance applications and quotes

*Manage your account and provide customer service

*Process payments and transactions

*Communicate about your policy and services

*Respond to your inquiries and requests

3.2 Additional Uses

*Improve our website and services

*Analyze usage patterns and trends

*Develop new products and services

*Protect against fraud and unauthorized access

*Comply with legal obligations

4. Communications and Marketing

4.1 Consent to Communications

By providing your contact information, you expressly consent to receive:

Service-related communicationsMarketing messagesAutomated calls and text messagesEmail newsletters and updates

4.2 TCPA Compliance

Under the Telephone Consumer Protection Act (TCPA):

*We obtain express written consent before sending marketing communications

*Consent remains valid until explicitly withdrawn

*You may receive communications even if on Do-Not-Call lists

*You can opt out at any time without affecting your services

4.3 Opt-Out Procedures

You may opt out by:

*Texting STOP to any SMS message

*Clicking unsubscribe in emails

*Contacting us directly at [email protected]

*Writing to our postal address

5. Information Sharing and Disclosure

5.1 We May Share With

*Insurance carriers and agencies

*Service providers and vendors

*Professional advisors and consultants

*Regulatory authorities and law enforcement

*Business partners and affiliates

5.2 Legal Basis for Sharing

We share information when:

*Required by law or legal process

*Necessary to protect our rights or safety

*Part of a business transaction (merger, acquisition, sale)

*You have provided consent

6. Data Security

6.1 Protection Measures

We implement appropriate technical and organizational measures to protect your information, including:

*Encryption of transmitted data

*Secure servers and networks

*Access controls and authentication

*Regular security assessments

6.2 Data Retention

We retain your information for as long as:

*Needed to provide services

*Required by law

*Necessary for legitimate business purposes

7. Your Privacy Rights

7.1 You Have the Right to

*Access your personal information

*Correct inaccurate information

*Request deletion of your information

*Object to or restrict processing

*Withdraw consent

*File a complaint with regulators

7.2 California Residents

Additional rights under CCPA (see separate CCPA Notice)

8. Children's Privacy

We do not knowingly collect or solicit information from anyone under 18. If we learn we have collected personal information from a minor without parental consent, we will delete that information.

9. International Data Transfers

If we transfer your information outside your country, we ensure appropriate safeguards are in place.

10. Cookie Policy

10.1 Types of Cookies We Use

*Essential cookies for website operation

*Analytics cookies to understand usage

*Advertising cookies for targeted marketing

10.2 Cookie Management

You can control cookies through your browser settings.

11. Changes to This Policy

We may update this Privacy Policy periodically. The updated version will be indicated by a revised "Effective Date" and the updated version will be effective as soon as it is posted.

12. Contact Information

For questions about this Privacy Policy or our privacy practices:

EverGuard Advisors
6464 E Greenway Rd Suite 112
Phoenix, AZ 85254

[email protected]

13. Additional Information

13.1 Response Time

We strive to respond to privacy-related requests within 30 days.

13.2 Complaints

You may file a complaint with your local data protection authority if you are unsatisfied with our response to your privacy concerns.

California Consumer Privacy Act (CCPA) Privacy Notice

Effective Date: September 30, 2024

This CCPA Privacy Notice supplements our Privacy Policy and applies to California residents ("consumers" or "you").

1. Information We Collect

Within the last 12 months, we have collected the following categories of personal information:

A. Identifiers

Name

Email address

Phone number

Postal address

IP address

Account login credentials

B. Personal Information Categories (Cal. Civ. Code § 1798.80(e))

Age

Financial information

Medical information

Insurance policy information

C. Protected Classification Characteristics

Age

Marital status

D. Commercial Information

Insurance products purchased or considered

Quote history

Claims history

E. Internet Activity

Browsing history

Search history

Website interaction information

F. Geolocation Data

Physical location

IP-based location

2. Sources of Personal Information

We collect personal information from:

Direct interactions with you

Your device or browser

Insurance carriers and agencies

Third-party service providers

Public databases

3. Use of Personal Information

We use personal information to:

Provide insurance services

Process applications and claims

Communicate with you

Improve our services

Comply with legal obligations

Detect and prevent fraud

4. Sharing of Personal Information

Categories of Third Parties

We share personal information with:

Insurance carriers

Service providers

Marketing partners

Analytics providers

Legal and regulatory authorities

5. Your Rights Under CCPA

As a California resident, you have the right to:

A. Right to Know

Request details about personal information collected, used, disclosed, or sold

Receive specific pieces of personal information collected

B. Right to Delete

Request deletion of personal information we collected from you

Some exceptions apply based on legal requirements

C. Right to Opt-Out

Opt-out of the sale of your personal information

Note: We do not sell personal information as defined by CCPA

D. Right to Non-Discrimination

We will not discriminate against you for exercising your CCPA rights by:

Denying services

Charging different prices

Providing different service levels

Suggesting you may receive different prices or services

6. Exercising Your Rights

A. Submit Requests

To exercise your CCPA rights, contact:

EverGuard Advisors

6464 E Greenway Rd Suite 112

Phoenix, AZ 85254

Email:

[email protected]

B. Verification Process

We will verify your identity before fulfilling requests by:

Matching information provided to information in our records

Requesting additional verification documents if necessary

C. Authorized Agents

You may designate an authorized agent to submit requests by:

Providing written permission

Verifying your identity directly with us

Having the agent demonstrate their authorization

7. Response Timing

We will respond to verified requests within 45 days. If we need more time (up to 90 days), we will inform you in writing.

8. Contact Information

For questions about this CCPA Notice or to exercise your rights:

EverGuard Advisors
6464 E Greenway Rd Set 112
Phoenix, AZ 85254

[email protected]

9. Updates to This Notice

We will review and update this notice annually or as needed to reflect changes in our practices or legal requirements.

Visit our home page to learn more