1. Introduction

EFP Life Group ("we," "us," or "our") is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or engage with our insurance and financial planning products.

This policy applies to all information collected through our website, mobile applications, and other digital platforms, as well as information collected offline in connection with our services.

2. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us, including:

• Name, address, phone number, and email address
• Date of birth and Social Security number
• Financial information (income, assets, debts)
• Employment information
• Beneficiary information
• Banking and payment information

Health Information

For insurance underwriting purposes, we may collect:

• Medical history and current health status
• Lifestyle information (smoking, drinking habits)
• Prescription medication information
• Medical examination results
• Physician reports and medical records

Automatically Collected Information

When you visit our website or use our digital services, we automatically collect:

• IP address and browser information
• Device information and operating system
• Website usage data and navigation patterns
• Cookies and similar tracking technologies
• Referral source and search terms

3. How We Use Your Information

We use your information for the following purposes:

Insurance and Financial Services

• Processing insurance applications and underwriting
• Providing quotes and policy recommendations
• Managing your insurance policies and claims
• Developing retirement and financial planning strategies
• Administering IUL and infinite banking products

Communication and Support

• Responding to your inquiries and requests
• Providing customer service and support
• Sending policy updates and important notices
• Scheduling appointments and consultations

Business Operations

• Improving our services and website functionality
• Conducting data analysis and research
• Complying with legal and regulatory requirements
• Preventing fraud and maintaining security

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

Insurance Companies and Underwriters

We share necessary information with insurance carriers for policy underwriting, issuance, and administration.

Service Providers

We may share information with trusted third-party service providers who assist us with:

• Medical examinations and laboratory services
• Background checks and verification services
• Payment processing and financial services
• Technology support and data hosting
• Marketing and communication services

Legal Requirements

We may disclose information when required by law, including:

• Compliance with court orders or legal process
• Regulatory reporting requirements
• Law enforcement investigations
• Protection of our rights and property

5. Data Security

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• SSL encryption for data transmission
• Secure servers with access controls
• Regular security audits and monitoring
• Multi-factor authentication systems
• Data backup and recovery procedures

Administrative Safeguards

• Employee privacy training and confidentiality agreements
• Role-based access controls
• Regular security policy updates
• Incident response procedures

While we strive to protect your information, no security system is completely impenetrable. We cannot guarantee absolute security but will notify you of any material breaches as required by law.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your website experience:

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand website usage patterns
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Deliver relevant advertisements

You can control cookies through your browser settings, but disabling certain cookies may affect website functionality.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

General Rights

• Access to your personal information
• Correction of inaccurate information
• Deletion of certain personal information
• Restriction of processing activities
• Data portability (where applicable)

Marketing Communications

You may opt out of marketing communications at any time by:

• Clicking unsubscribe links in emails
• Contacting us directly
• Updating your communication preferences

8. Data Retention

We retain your personal information for as long as necessary to:

• Provide ongoing services and support
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records as required by law

Insurance and financial records are typically retained for several years after policy termination, as required by state and federal regulations.

9. Third-Party Websites

Our website may contain links to third-party websites. This Privacy Policy does not apply to external sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party websites you visit.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information.

11. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

To exercise these rights, please contact us using the information provided below.

12. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with applicable privacy laws.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will post the updated policy on our website and indicate the effective date. For material changes, we will provide additional notice as required by law.