Privacy Policy

Introduction

Moore Life Agency (“we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your non-public personal information (“NPI”) when you visit our website, submit forms, schedule appointments, or otherwise interact with our services. This policy is provided in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws. This Privacy Policy applies to information collected through our website, https://mlifeagency.com, and our forms, appointment scheduling, and other services.

Information We Collect

We may collect the following categories of non-public personal information:

• Contact information: name, email address, phone number, and mailing address
• Demographic information: date of birth, gender, and marital status
• Financial information: income, assets, and existing insurance coverage as provided by you for quoting purposes
• Health information: health history and lifestyle details as provided by you for life insurance underwriting
• Employment information: employer name, occupation, and professional background (for career applicants)
• Website usage data: IP address, browser type, device information, pages visited, referring URLs, and browsing activity collected by our hosting provider and analytics tools including the Meta (Facebook) Pixel. When SMS consent is provided through our forms, we also capture your IP address, form URL, and the version of the consent disclosure shown to you for audit purposes.

How We Collect Information

We collect information through:

• Contact and quote request forms on our website
• Career application forms
• Calendly appointment scheduling (a third-party service)
• Phone calls, emails, and video consultations

How We Use Your Information

We use your information to:

• Provide life insurance quotes and policy recommendations
• Submit applications to insurance carriers on your behalf
• Communicate with you about your coverage needs and policy status
• Process career applications
• Improve our website and services
• Comply with legal and regulatory requirements

SMS Communications

By submitting your information through our website forms and providing your mobile phone number, you expressly consent to receive SMS (text) messages from Moore Life Agency related to your insurance inquiry, appointment reminders, service updates, and promotional communications about Moore Life Agency's insurance products, including offers, promotions, and service announcements.

• Message frequency may vary based on your interaction with our services.
• Message and data rates may apply.
• Reply STOP at any time to opt out of text messages.
• Reply HELP for assistance, email us at info@mlifeagency.com, or visit mlifeagency.com/contact.

Consent to receive SMS messages is not a condition of purchasing any insurance product or service from Moore Life Agency.

We do not sell, share, or buy phone numbers or leads. Your phone number will not be shared with third parties for their independent marketing purposes.

How We Share Your Information

We may share your NPI with the following parties as necessary to provide our services:

• Insurance carriers: to obtain quotes, process applications, and facilitate policy issuance
• Service providers: third-party vendors who assist with website hosting, email delivery, rate limiting, and appointment scheduling (Calendly)
• Legal and regulatory authorities: when required by law, regulation, or legal process

We do not sell your personal information to third parties for marketing purposes.

Your Opt-Out Rights

We share your information with insurance carriers and service providers as necessary to provide our services. This sharing is required to service your account and is not subject to opt-out. We do not share your information with non-affiliated third parties for marketing purposes.

Data Safeguards

We maintain administrative, technical, and physical safeguards to protect your NPI from unauthorized access, use, or disclosure. These include encrypted data transmission (SSL/TLS), secure storage practices, and limited access controls. While no method of transmission or storage is completely secure, we are committed to protecting your information to the best of our ability.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, including to comply with legal, regulatory, or reporting requirements. Contact form inquiries and career applications are retained for a reasonable business period. If you become a client, your information is retained as required by applicable state insurance regulations.

Third-Party Services

Our website integrates with the following third-party services, each with their own privacy policies:

• Calendly: for appointment scheduling
• Meta (Facebook) Pixel: for website analytics and advertising measurement. The Meta Pixel places cookies on your browser and collects data about your visits to our site, including pages viewed, actions taken, and device information. This data may be used by Meta to provide measurement services to us and to serve targeted advertising on Meta platforms (Facebook, Instagram). For more information, see Meta's Privacy Policy.

We encourage you to review the privacy policies of any third-party services you interact with through our site.

State Privacy Rights

Depending on your state of residence, you may have additional privacy rights:

• California (CCPA/CPRA): California residents have the right to know what personal information is collected, request deletion of personal information, and opt out of the sale of personal information. We do not sell personal information.
• Other states: Residents of states with comprehensive privacy laws (such as Virginia, Colorado, Connecticut, and others) may have similar rights to access, correct, or delete their personal information. Contact us to exercise these rights.

We will respond to verifiable requests within 45 days of receipt.

Cookies and Tracking Technologies

Our website uses cookies, pixel tags, and similar tracking technologies to support site functionality, analytics, and advertising measurement. These include the Meta (Facebook) Pixel and may include other analytics tools. These technologies may collect information about your browsing activity on our site and across other websites to help us measure the effectiveness of our advertising and deliver relevant content. You can control cookie preferences through your browser settings.

Our website does not respond to Do Not Track (DNT) browser signals. You can manage your cookie preferences through your browser settings. To opt out of Meta's use of cookies for ad targeting, visit your Meta ad preferences or the Digital Advertising Alliance opt-out page.

Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last updated” date. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy, wish to exercise your opt-out rights, or want to request access to or deletion of your personal information, please contact us:

State Regulatory Contact

For consumer assistance or to file a complaint regarding insurance services, you may contact the Alabama Department of Insurance:

If you reside outside Alabama, you may contact your state's Department of Insurance. A directory of state regulators is available at content.naic.org/state-insurance-departments.