Effective Date: January 1, 2026 Last Updated: February 10, 2026

This Privacy Policy ("Policy") describes how [Don C. Hull ("we," "us," or "our"), an independent life insurance agent operating as a sole proprietor, collects, uses, shares, and protects your personal information when you visit our website, interact with us via telephone or email, or utilize our insurance services.

As a sole proprietor, we are committed to maintaining the confidentiality and security of your nonpublic personal information ("NPI"). This Policy adheres to the standards required by the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and the CTIA A2P 10DLC messaging compliance regulations.

1. Scope of This Policy

This Policy applies to all individuals who inquire about or purchase insurance products through us. It covers information collected:

Via our website ([YourWebsiteURL.com]).

Through telephone conversations and messaging (SMS/texting).

Via email correspondence.

Through third-party lead generators or insurance carriers.

2. Information We Collect

To provide you with life insurance quotes and services, we must collect sensitive personal and financial information.

A. Information You Provide to Us

We collect information directly from you when you fill out forms, request quotes, or communicate with us:

Identifiers: Name, mailing address, email address, phone number (including mobile), date of birth, social security number, driver’s license number.

Financial Information: Income, assets, debt information, bank account details for premium payments.

Health Information: Medical history, lifestyle habits (smoking, hobbies), doctor information, and test results (if required for underwriting).

Beneficiary Information: Name and relationship of individuals you designate to receive policy proceeds.

B. Information Collected Automatically

When you visit our website, we may collect technical information automatically:

Usage Data: IP address, browser type, operating system, referring URLs, pages viewed, and time spent on our site.

Cookies & Tracking Technology: Please see Section 3 below regarding our cookie policy.

C. Information from Third Parties

We may receive information about you from:

Insurance Carriers: Information related to underwriting and policy issuance.

Consumer Reporting Agencies: Medical Information Bureau (MIB) reports, credit reports, and motor vehicle records.

Lead Generators: If you authorized a third party to share your information with us.

3. Data Usage, Processing, and Cookie Policy

A. How We Use Your Information

We use your personal information solely for business purposes related to servicing your insurance needs. We do not use your data for unrelated profiling or automated decision-making. Specifically, we use your information to:

Analyze Risk and Provide Quotes: We review your financial and health information to determine eligibility for specific life insurance products and to generate accurate quotes from various carriers.

Process Applications: We submit your information to insurance carriers to formalize policy underwriting and issuance.

Manage Policies: We assist with policy changes, beneficiary updates, and premium payment inquiries.

Customer Support: We respond to your inquiries and troubleshoot issues related to your application or policy.

Regulatory Compliance: We maintain records as required by state insurance commissioners, anti-money laundering laws, and federal regulations.

Communication (including SMS): To send necessary service updates, appointment reminders, and application status updates based on your consent.

B. Use of Cookies and Tracking Technologies

We do not use cookies on our website to track your behavior across other websites, nor do we use targeting or advertising cookies.

We strictly limit the use of tracking technology to what is necessary for functional purposes:

Functional Technology: We may use essential, session-based technology solely to ensure the website functions correctly while you are navigating it (e.g., maintaining form data while you fill out a quote request).

Deletion: These session trackers are deleted immediately upon closing your browser.

4. SMS Messaging Consent & A2P Compliance (2026 Standards)

If you provide your phone number to us, you may opt-in to receive SMS messages regarding your insurance policies or quotes.

A. Consent

By providing your phone number and checking the consent box on our website or signing a physical consent form, you provide express written consent to receive automated text messages from Don C. Hull.

B. Message Frequency

Message frequency varies based on your interactions with us (e.g., policy updates, quote reminders).

C. Opt-Out Rights

You may revoke your consent to receive SMS messages at any time.

To Stop: Text STOP to any message you receive from us.

For Help: Text HELP to any message you receive from us.

D. Message and Data Rates

Message and data rates may apply based on your mobile carrier plan.

E. Mobile Information Sharing Statement

We do not share, sell, or rent your mobile phone number, SMS consent data, or related personal information with third parties, affiliates, or marketers for any purpose. Information collected for SMS purposes will only be used to facilitate communication between you and [Your Name/Entity Name] regarding your insurance services.

5. Sharing Your Information

We do not sell your personal information. We only share your information with third parties as necessary to process your insurance application or as required by law:

Insurance Carriers: To submit applications and underwriting information.

Service Providers: Third-party vendors who assist with IT services, document storage, or professional liability insurance, under strict confidentiality agreements.

Legal Obligation: In response to subpoenas, court orders, or requests from regulatory authorities (e.g., State Department of Insurance).

6. Data Security and Safeguards

As a sole proprietor, I take the security of your data seriously and implement physical, technical, and administrative safeguards designed to protect your NPI:

Encryption: Sensitive data transmitted via our website is encrypted using SSL/TLS technology.

Access Control: Access to client data is limited to authorized personnel and is password-protected.

Secure Storage: Digital files are stored on secure, encrypted servers. Physical files are kept in locked filing cabinets.

Training: We regularly update our security practices to combat evolving cyber threats.

Despite these measures, no data transmission over the internet or storage method is 100% secure.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal obligations (such as insurance record-keeping requirements), resolve disputes, and enforce our agreements. Generally, this retention period is [e.g., 7 years] after a policy expires or is terminated.

8. Your Privacy Rights

Depending on your state of residence, you may have specific rights regarding your personal information:

Access: The right to request copies of the personal information we hold about you.

Correction: The right to request that we correct inaccurate or incomplete information.

Deletion: The right to request that we delete your personal information, subject to certain exceptions (e.g., legal retention requirements).

Opt-Out of Sharing: The right to opt-out of the sharing of your information with non-affiliated third parties (not applicable to sharing necessary for servicing your policy).

To exercise these rights, contact us at the email or phone number listed in the "Contact Us" section below.

9. Children’s Privacy

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

10. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this Policy will indicate when changes were last made. We encourage you to review this Policy periodically.

11. Contact Us

If you have questions or concerns about this Policy, or to exercise your rights, please contact:

Don C. Hull,1632 4th Street unit 5 New Orleans, LA 70130 donhullzerotaxretiremntplan.com donchull.com/life-insurance