Privacy Policy

1. Introduction

This Privacy Policy describes how K&R Insurance Services LLC (“Company”, “we”, “us”, or “our”) collects, uses, and safeguards information obtained from individuals who interact with our website, online consultation forms, and advertising channels, including Meta lead forms (Facebook & Instagram ads).

We respect your privacy and are committed to handling your personal data responsibly and ethically. Please review this document to understand how your information is handled.

2. Information We Collect

We collect personal information that you voluntarily provide to us when you request an insurance consultation, ask for a quote, or submit an inquiry through our website forms or Meta lead forms. The categories of information we collect include:

• Contact Information: Your full name, telephone/mobile number, and email address.
• Expressed Insurance Interests: The specific types of insurance coverage you have shown an interest in (such as Indexed Universal Life [IUL], Term Life, Final Expense, or Health Insurance).
• Inquiry Details & Notes: Any specific questions, time preferences, or notes you submit when requesting a consultation.
• Technical Information: Standard, non-identifying technical information such as browser type, general geographical region, and device characteristics collected through standard web server logs and analytics.

3. How We Use Collected Information

K&R Insurance Services LLC uses the information collected solely for lawful business purposes related to responding to your expressed interest, including:

4. Categories of Service Providers Who May Process Information

We do not sell, rent, or trade your personal information to third-party data brokers. To operate our agency effectively, we may share information with trusted third-party service providers who assist us under strict confidentiality agreements, including:

• Customer Relationship Management (CRM) & Lead Routing Providers: Secure software platforms used to record and manage lead inquiries, consultations, and follow-ups.
• Communication & Telecommunications Providers: Secure email, SMS, and telephone service providers that facilitate direct customer calls and messages.
• Web Hosting & Cloud Infrastructure Providers: Technical service providers that maintain server uptime, database hosting, and security firewalls.
• Advertising Platforms (e.g., Meta): Platforms on which lead capture forms operate and through which technical delivery parameters are logged.

5. Data Protection & Security Practices

K&R Insurance Services LLC maintains physical, technical, and administrative safeguards designed to protect your personal data from unauthorized access, accidental loss, alteration, or misuse:

• Encryption in transit using Transport Layer Security (TLS/SSL).
• Restricted internal access limited only to authorized personnel who require access to assist you.
• Periodic review of data storage and access protocols.

Please note that while we implement reasonable industry safeguards, no method of transmission over the Internet or electronic storage is completely impenetrable.

6. Your Privacy Rights & Assistance Mechanisms

You have the right to request assistance regarding your personal information at any time. Depending on applicable state regulations, your rights may include:

• Access & Confirmation: Requesting confirmation of what personal information we hold about you.
• Correction: Requesting correction or updates to inaccurate contact information.
• Opt-Out of Communications: Requesting to stop receiving phone calls, text messages, or emails by replying “STOP” or contacting us directly.
• Deletion: Requesting deletion of your contact data from our active contact lists, subject to any legal or regulatory recordkeeping obligations.