Effective Date: August 2, 2025

At American Family Life Insurance, we are committed to protecting the people you love with care and confidence, including safeguarding your personal information. This Privacy Policy (“Policy”) explains how we collect, use, disclose, and protect your information when you visit https://www.americanfamilylifeinsurance.com (the “Website”), interact with our AI chatbot “Carla,” or use our services, such as scheduling consultations with licensed insurance agents. By using the Website or our services, you (“User,” “You,” or “Your”) agree to this Policy and our Terms and Conditions (https://www.americanfamilylifeinsurance.com/terms). If you do not agree, please do not use the Website or services.

1. Information We Collect

We collect information to provide life insurance information, personalized services, and a seamless experience. The types of information include:

Personal Information:

Contact Details: Name, email address, phone number, and mailing address (e.g., when you book a consultation or submit a quote form at https://www.americanfamilylifeinsurance.com/contact_us).

Demographic Information: Age, marital status, or family details (e.g., when answering Carla’s questions about insurance needs).

Financial and Health Information: Limited data, such as general health status or financial goals, to tailor insurance options (e.g., when qualifying leads via Carla). Sensitive health data is collected only with explicit consent and shared with licensed agents as needed.

Automatically Collected Information:

Usage Data: Pages visited, time spent, clicks, and interactions with Carla (e.g., questions asked, CTAs clicked).

Device Information: IP address, browser type, device type, and operating system.

Cookies and Tracking: We use cookies, web beacons, and similar technologies to enhance functionality, analyze usage, and personalize your experience (e.g., tailoring Carla’s responses). Manage cookie preferences via your browser settings or our cookie consent tool [insert link, if applicable].

Information from Third Parties: Data from third-party platforms (e.g., Calendly for booking), subject to their privacy policies.

2. How We Use Your Information

We use your information to deliver services, improve your experience, and uphold our commitment to care and confidence. Uses include:

Providing Services: Answer questions via Carla, schedule consultations, and provide life insurance information.

Personalization: Tailor Carla’s responses and recommendations (e.g., suggesting term life for a parent with a mortgage).

Communication: Send appointment confirmations, reminders, or responses to inquiries via email or SMS (with your explicit consent).

SMS Communications: With your consent, send appointment confirmations, reminders, and promotional messages about life insurance products. Message frequency varies (e.g., 1-5 messages per month). Standard message and data rates may apply.

Analytics and Improvement: Analyze Website usage to enhance Carla’s performance and optimize user experience.

Compliance and Security: Ensure compliance with laws (e.g., HIPAA for health data) and protect against fraud.

Marketing: With your consent, send promotional materials about life insurance products. You can opt out at any time (see Section 7).

3. How We Share Your Information

We prioritize your privacy and do not share your personal information, including mobile phone numbers, with third parties for their marketing purposes without your explicit consent. Information is shared only as necessary:

With Licensed Agents: Relevant data (e.g., name, contact details, insurance needs) is shared with licensed insurance agents or third-party insurers to facilitate consultations, subject to their privacy policies.

Service Providers: Trusted vendors (e.g., CRM platforms, calendar tools, SMS providers) manage appointments, analytics, or hosting, complying with data protection standards.

Legal Compliance: Information may be disclosed if required by law (e.g., court order, subpoena, or regulatory request from insurance oversight agencies).

Business Transfers: If Gregory Rainbolt - Life Insurance is sold or merged, your information may be transferred to the acquiring entity, with continued protection under this Policy or a similar standard.

With Consent: We share information for other purposes only with your explicit permission.

Non-Sharing of Mobile Numbers: Your mobile phone number is not shared with third parties for marketing purposes unless you explicitly consent. SMS communications are managed solely by American Family Life Insurance and its authorized service providers for the purposes you’ve agreed to (e.g., appointment reminders, promotional messages).

4. Data Security

We use industry-standard measures (e.g., encryption, secure servers) to protect your information, especially sensitive data like health or financial details, in line with our value of security. While we strive to protect your data, no online system is 100% secure. In case of a data breach, we will notify you as required by law (e.g., within 72 hours under GDPR, if applicable). You are responsible for protecting your account credentials and using secure devices.

5. Your Data Rights

Depending on your location (e.g., GDPR for EU residents, CCPA for California residents), you may have the following rights:

Access: Request a copy of your personal information.

Correction: Request correction of inaccurate data.

Deletion: Request deletion of your data, subject to legal or contractual obligations (e.g., insurance record-keeping).

Restriction: Limit how we process your data in certain cases.

Portability: Receive your data in a structured, machine-readable format.

Objection: Opt out of marketing communications or certain data processing (e.g., analytics).

To exercise these rights, contact us at [email protected]. We will respond within the legally required timeframe (e.g., 30 days under GDPR/CCPA). Verification may be required to protect your privacy.

6. Cookies and Tracking

We use cookies to enhance your experience (e.g., remembering preferences, enabling Carla’s personalization). Categories include:

Essential Cookies: Necessary for Website functionality (e.g., session management).

Analytics Cookies: Track usage to improve services (e.g., Google Analytics).

Marketing Cookies: Deliver relevant ads, with your consent.

Manage cookies via our consent tool [insert link] or browser settings. Disabling cookies may limit Website functionality.

7. Marketing and Opt-Out

With your explicit consent, we may send promotional emails or SMS about life insurance products or services. For SMS, you consent via a dedicated, un-checked checkbox on our contact form (https://www.americanfamilylifeinsurance.com/contact_us) or paper forms during consultations, stating: “I agree to receive automated appointment confirmations, reminders, and promotional messages from American Family Life Insurance. Message frequency varies (e.g., 1-5 messages per month). Msg & data rates may apply.”

Opt-Out Instructions:

Email: Click “unsubscribe” in any promotional email.

SMS: Reply “STOP” to any message to unsubscribe from all SMS communications. You will receive a confirmation: “You have been unsubscribed from American Family Life Insurance messages. Reply HELP for assistance.”

Direct Contact: Email [email protected] or call 832-346-5727 to opt out.

Opting out of marketing does not affect service-related communications (e.g., appointment confirmations).

8. SMS Program Terms

Our SMS program delivers appointment confirmations, reminders, and promotional messages about life insurance products to users who opt in. Key terms include:

Opt-In Process: You provide explicit consent by checking a dedicated, un-checked box on our website form (https://www.americanfamilylifeinsurance.com/contact_us) or paper form during consultations. The checkbox includes: “I agree to receive automated appointment confirmations, reminders, and promotional messages from American Family Life Insurance. Message frequency varies (e.g., 1-5 messages per month). Msg & data rates may apply.”

Confirmation: Upon opting in, you receive: “You are successfully opted in to receive messages from American Family Life Insurance. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out.”

Message Types: Appointment confirmations (e.g., “Hi John, your appointment on July 20 at 11:00 AM is confirmed. Text STOP to opt out.”), reminders, and promotional messages about life insurance.

No Sharing: Your mobile number is not shared with third parties for marketing purposes without your explicit consent.

Opt-Out: Reply “STOP” to any SMS to unsubscribe. You can also contact us at [email protected] or 832-346-5727.

Help: Reply “HELP” to any SMS or email [email protected] for assistance.

Standard message and data rates may apply, as determined by your mobile carrier.

9. Third-Party Links

The Website may link to third-party sites (e.g., insurers, calendar tools). These sites have their own privacy policies, and we are not responsible for their practices. Review their policies before sharing information.

10. Children’s Privacy

The Website and services are not intended for users under 18. We do not knowingly collect information from children. If you believe a child has provided data, contact us at [email protected] to request deletion.

11. International Data Transfers

If you access the Website from outside the USA, your data may be transferred to our servers in the USA. We ensure compliance with applicable laws (e.g., GDPR for EU users) through safeguards like Standard Contractual Clauses.

12. Retention of Information

We retain personal information only as long as necessary for the purposes outlined (e.g., to provide services, comply with legal obligations like insurance regulations). For example, contact details for consultations are kept until the service is complete, unless required longer by law. When no longer needed, data is securely deleted or anonymized.

13. Updates to This Policy

We may update this Policy to reflect changes in practices or legal requirements. Updates will be posted on the Website with the new effective date. Significant changes will be communicated via email or Website notices. Continued use of the Website or services after updates constitutes acceptance of the revised Policy.

14. Contact Information

For questions, concerns, or to exercise your data rights, contact us at:

Email: [email protected]

Phone: 832-346-5727

Address: 13531 Will Clayton Pkwy, Ste 300 #1107, Humble, TX 77346

Website: https://www.americanfamilylifeinsurance.com/contact_us

15. Additional Information for Specific Jurisdictions

California Residents (CCPA): You have the right to know what data we collect, request deletion, and opt out of data sales (we do not sell data). Contact us at [email protected].

EU/UK Residents (GDPR): You have enhanced rights to access, rectify, or erase data. Our Data Protection Officer is reachable at [email protected].

Health Data (HIPAA): Health-related data collected (e.g., via Carla for insurance qualification) complies with HIPAA requirements for protected health information.