Privacy Policy — Eternal Light Insurance

Effective Date: August 2, 2026

1. Information We Collect

When you use our website or request a quote, we may collect the following types of information:

Personal Information: Name, email address, phone number, date of birth, gender, state of residence, tobacco use, and coverage preferences — provided voluntarily through our quote request form.
Technical Information: IP address, browser type, device type, pages visited, and referring URL — collected automatically through cookies and server logs.
UTM / Advertising Data: Campaign, source, medium, and click IDs from advertising partners (if you arrived via an ad or referral link).

2. How We Use Your Information

We use the information we collect for the following purposes:

To process and respond to your insurance quote requests
To communicate with you about coverage options, quotes, and policy services
To improve our website, services, and customer experience
To comply with legal and regulatory obligations
To prevent fraud and ensure the security of our services

3. How We Share Your Information

We do not sell your personal information. We may share your information only as necessary:

Insurance Carriers: With licensed insurance carriers to provide you with accurate quotes and policy options
Service Providers: With trusted third-party services that help us operate our website and manage communications (e.g., hosting, email delivery)
Legal Compliance: When required by law, regulation, or legal process

4. Data Security

We implement reasonable security measures to protect your personal information, including encryption in transit (HTTPS) and secure storage practices. However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

5. Your Rights & Choices

Depending on your state of residence, you may have the right to:

Access the personal information we hold about you
Request correction or deletion of your personal information
Opt out of the sale or sharing of your personal information
Withdraw consent at any time where we rely on consent to process your data

To exercise any of these rights, contact us at ian@eternallightinsurance.com or (954) 695-7371.

6. Cookies & Tracking

Our website may use cookies and similar tracking technologies for analytics and advertising purposes. You can control cookie preferences through your browser settings. When we activate advertising pixels (e.g., Meta Pixel), we will provide appropriate notice and consent mechanisms.

7. California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information, including the right to know what data we collect and the right to request deletion. We do not sell your personal information.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

10. Contact Us

If you have questions about this Privacy Policy or how we handle your data:

Eternal Light Insurance
Margate, FL
Email: ian@eternallightinsurance.com
Phone: (954) 695-7371