PrivacyPolicy

01 Information We Collect

We collect information in two ways: information you give us directly, and information collected automatically when you visit our website.

Information you provide

When you request a quote, contact us, or use our services, we may collect:

• Name and contact information (email, phone number, mailing address)
• Date of birth, gender, and other demographic information needed for insurance quotes
• Health information necessary to evaluate eligibility for life insurance products
• Financial information such as income, assets, and beneficiary details
• Information about your insurance needs, goals, and family situation
• Any other information you choose to share in messages or conversations

Information collected automatically

When you visit mrkinginsurance.com, certain information is collected automatically:

• IP address, browser type, device type, and operating system
• Pages visited, time spent on each page, and referral source
• Cookies and similar tracking technologies (see Section 5)

02 How We Use Your Information

We use the information we collect to:

• Provide insurance services — including preparing quotes, submitting applications to carriers, and managing your policies
• Communicate with you — responding to inquiries, following up on quote requests, sending policy updates, and providing customer service
• Improve our services — analyzing how our website is used to make it more useful
• Comply with legal obligations — including state insurance regulations, anti-fraud requirements, and record-keeping rules
• Marketing communications — only with your consent, and you can opt out at any time

03 How We Share Information

We share your information only with parties involved in providing insurance services to you, or where required by law:

• Insurance carriers — to obtain quotes and submit applications on your behalf
• Underwriters and medical examiners — to evaluate insurance applications
• Service providers — companies that help us operate our business (such as email services, form submission tools like Formspree, and website hosting through Cloudflare), bound by confidentiality obligations
• Regulatory authorities — state insurance departments in New Jersey, Kansas, and Georgia when required
• Law enforcement — when required by valid legal process (subpoena, court order, etc.)

04 How We Protect Your Information

We take reasonable measures to protect your information from unauthorized access, use, or disclosure:

• Our website uses HTTPS encryption (the lock icon in your browser) to protect data in transit
• We use reputable service providers that maintain industry-standard security practices
• Access to your information is limited to those who need it to provide services to you
• We comply with the privacy and security requirements of the federal Gramm-Leach-Bliley Act and applicable state insurance privacy laws

No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

05 Cookies and Tracking Technologies

Our website uses cookies and similar technologies to function properly and to help us understand how visitors use our site.

Types of cookies we use

• Essential cookies — required for the website to function (e.g., remembering your form inputs while you fill out a quote)
• Analytics cookies — help us understand how visitors use our site so we can improve it
• Advertising cookies — including the Meta (Facebook) Pixel, which allows us to measure ad performance and reach people who have shown interest in our services

Your cookie choices

Most browsers let you refuse cookies or alert you when cookies are being sent. If you disable cookies, some features of our website may not work properly. You can also opt out of advertising cookies from Meta by visiting your Facebook Ad Preferences.

06 Your Rights and Choices

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

• Access — request a copy of the personal information we have about you
• Correction — ask us to fix inaccurate or incomplete information
• Deletion — ask us to delete your information, subject to legal record-keeping requirements
• Opt-out of marketing — unsubscribe from marketing emails or ask to stop marketing calls at any time
• Withdraw consent — for processing based on consent

To exercise any of these rights, contact us using the information at the bottom of this page. We'll respond within 30 days.

07 Children's Privacy

Our services are intended for adults age 18 and older. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

08 State-Specific Privacy Rights

Some states give you additional privacy rights. As we are licensed in New Jersey, Kansas, and Georgia, residents of these states may have specific rights under their state's insurance privacy laws, including the right to receive a more detailed privacy notice when you apply for insurance.

If you reside in California or another state with comprehensive consumer privacy laws, additional rights may apply. Contact us for state-specific information.

09 Third-Party Links

Our website may contain links to third-party websites (insurance carriers, regulators, or other resources). We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any site you visit.

10 Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we'll update the "Last updated" date at the top of this page. For significant changes, we may notify you by email or through a notice on our website.

11 Contact Us

Questions about this Privacy Policy, or want to exercise any of your rights? Reach out anytime — we read every message personally.