PRIVACY POLICY
Effective Date: September 1, 2025

1. SCOPE
This Policy applies to information we collect: (a) through our website and online forms; (b) in telephone, SMS/text, email, or other communications between you and Golden Gates Life; (c) through mobile or desktop applications connected to the Services. This Policy does not apply to the practices of third-party websites or services that we do not control.

2. ELIGIBILITY & JURISDICTION
Children: The Services are not directed to, and we do not knowingly collect personal information from, individuals under the age of eighteen (18). If we become aware that we have collected such information, we will delete it promptly. Jurisdiction: The Services are intended solely for residents of the United States. By using our Services, you consent to processing under U.S. law.

3. INFORMATION WE COLLECT
We may collect the following categories of information:
• Identifiers: Name, phone number, email address, state of residence.
• Application/Account Data: Information provided when completing forms or requesting insurance
quotes.
• Government-issued identifiers (if required for verification or underwriting).
• Device/Technical Data: IP address, browser type, device identifiers, access times, and location (if
enabled).
• Transaction Data: Records of quotes, applications, or transactions.
• Tracking Data: Cookies, pixel tags, and similar technologies.
• Third-Party Sources: Information from carriers, verification services, or social media providers.

4. HOW WE USE INFORMATION
We may use personal information to: (a) provide, operate, and improve the Services; (b) process insurance applications, requests, and transactions; (c) contact you via phone during lawful telemarketing hours and send up to ten (10) SMS/text messages; (d) verify your identity and prevent fraud; (e) comply with laws and regulations; (f) deliver marketing, promotional offers, and personalized content; (g) carry out any purpose disclosed at the time of collection or for which you provided consent.
5. CONSENT TO COMMUNICATIONS
By submitting your information, you expressly consent to be contacted by Golden Gates Life and its representatives by telephone (including calls using an automatic telephone dialing system or prerecorded/artificial voice) and by SMS/text message. Consent is not a condition of purchase; message/data rates may apply; you may opt out at any time by replying STOP.

6. SHARING OF INFORMATION
We may share personal information: (a) with licensed insurance carriers, agents, and fulfillment partners to provide requested services; (b) with service providers who perform services on our behalf; (c) as required by law, subpoena, or government order; (d) in connection with a merger, acquisition, or transfer of assets; (e) with your consent or at your direction. We do not sell personal information to unaffiliated third parties.

7. TRACKING & ANALYTICS
We and our partners may use cookies, device identifiers, and analytics tools to monitor usage, improve the Services, and deliver relevant advertising. You may disable cookies through your browser, though some features may not function properly.

8. DATA RETENTION
We retain personal information for as long as reasonably necessary to: provide requested services, comply with legal obligations, resolve disputes, or enforce agreements. When retention is no longer required, we will delete or anonymize the information.

9. DATA SECURITY
We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction. However, no system or method of transmission over the Internet is 100% secure, and we cannot guarantee the absolute security of your information.

10. STATE-SPECIFIC PRIVACY RIGHTS
Residents of California, Colorado, Connecticut, Virginia, and Utah may have additional rights under state law, which may include: the right to know what personal information we collect and how we use it; the right to access or delete personal information; the right to opt out of certain data sharing; the right not to be discriminated against for exercising privacy rights. To exercise these rights, contact us at contactggl@goldengateslife.com.

11. THIRD-PARTY SERVICES
The Services may link to or integrate with third-party sites or services (e.g., Zoom or analytics providers). We are not responsible for the privacy practices of those third parties. Your use of such services is subject to their policies.

12. CHANGES TO THIS POLICY
We may revise this Policy at any time by posting an updated version on our website and revising the “Last Updated” date above. Continued use of the Services constitutes acceptance of any modifications.

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 CONTACT US:

If you have any questions about this Privacy Policy, please contact us via the following methods:

• By email: contactggl@goldengateslife.com
• By phone number: 1-844-936-0930
• By mail: 1207 Delaware Ave, Suite 3737, Wilmington, DE  19806

 

DISCLAIMER: This Privacy Policy is provided for compliance and informational purposes only and does not create any contractual or legal rights beyond those imposed by applicable law.