Privacy Policy

1. Who We Are

This website is operated by Navarro Insurance Solutions. Insurance assistance is provided by Denise Navarro, a licensed insurance agent serving Florida and Texas.

Insurance products currently offered through this website are issued by Lincoln Heritage Life Insurance Company, subject to carrier availability, eligibility, underwriting requirements, policy terms, and applicable law.

2. Information We Collect

We may collect information that you voluntarily provide when you complete an insurance questionnaire, request information, contact us, call us, send us an email, or otherwise communicate with us.

The information may include:

• Name
• Telephone number
• Email address
• State of residence
• Age range
• General information about your insurance needs and reasons for seeking coverage
• General health and prescription-medication information voluntarily submitted through the questionnaire
• Preferred timing or readiness to discuss insurance coverage
• Information you provide during subsequent communications with us

Please do not submit Social Security numbers, driver's license numbers, financial account information, medical records, or other information that the website does not specifically request.

3. Information Collected Automatically

When you use the website, certain technical and advertising information may be collected automatically. This may include:

• Internet Protocol address
• Browser and device information
• User-agent information
• Date and time of visits or form submissions
• Pages or website interactions
• Referring website information
• Advertising campaign, ad, ad-set, source, medium, and attribution information
• URL parameters and campaign identifiers
• Cookie or advertising identifiers such as Meta browser identifiers when applicable

4. How We Use Information

We may use information for purposes including:

• Reviewing and responding to your insurance request
• Contacting you about the insurance inquiry you submitted
• Helping determine which insurance options may be appropriate to discuss with you
• Answering questions about insurance products
• Operating, maintaining, securing, and improving this website
• Preventing fraud, abuse, or unauthorized website activity
• Maintaining business and compliance records
• Measuring advertising performance and attribution
• Understanding which advertising campaigns generate legitimate insurance inquiries
• Complying with legal, regulatory, carrier, and insurance compliance obligations

5. Health-Related Information

The questionnaire may ask for general information concerning health conditions, ongoing treatment, or prescription medication because such information may be relevant when discussing life insurance options.

This website is not intended to collect detailed medical records or to provide medical advice.

Health-related responses submitted through the insurance questionnaire are intended for insurance-request processing and related business purposes. We do not intentionally use specific health-condition answers as advertising audience targeting criteria.

6. Service Providers and Technology Providers

We may disclose information to companies that perform services on our behalf or provide technology used to operate the business. Depending on the services enabled, these providers may include:

• Website hosting and infrastructure providers
• Database and data-storage providers
• Google Workspace and business productivity services
• Customer relationship management services
• Email, telephone, and communication providers
• Website security and fraud-prevention providers
• Advertising, analytics, attribution, and measurement providers such as Meta and Google
• Professional advisers, compliance providers, or service providers assisting with lawful business operations

These disclosures may be necessary to operate the website, process your request, maintain business systems, measure advertising, secure the website, or comply with legal and regulatory obligations.

7. Advertising and Measurement

We may use advertising and measurement tools provided by companies such as Meta and Google. These technologies may process website activity, advertising identifiers, campaign information, contact identifiers, or conversion-event information for purposes such as attribution, advertising measurement, campaign reporting, fraud prevention, and advertising optimization.

Where server-to-server advertising measurement is used, data may be transmitted through application programming interfaces or similar technologies rather than solely through browser cookies.

We do not intentionally transmit detailed questionnaire responses describing specific medical conditions to advertising platforms for audience targeting.

8. Cookies and Similar Technologies

The website and services used with the website may use cookies, browser storage, pixels, URL parameters, or similar technologies to operate the website, remember technical information, measure advertising performance, and attribute insurance inquiries to advertising campaigns.

Browser controls may allow you to block or delete certain cookies. Restricting cookies may affect some website or advertising-measurement functions.

9. We Do Not Sell Leads

Navarro Insurance Solutions does not sell your contact information to other insurance agents or lead companies.

This statement does not prevent us from using service providers and technology providers that process information on our behalf for legitimate business purposes as described in this Privacy Policy.

10. Insurance Carrier and Business Disclosures

Information may be disclosed to Lincoln Heritage Life Insurance Company or its authorized systems when reasonably necessary to discuss, evaluate, apply for, service, or administer insurance products, or to satisfy carrier and regulatory requirements.

11. Legal and Regulatory Disclosures

We may disclose information when reasonably necessary to comply with applicable law, regulation, legal process, insurance regulation, carrier compliance requirements, governmental requests, court orders, or to protect the rights, safety, security, and property of consumers, the business, or others.

12. Data Retention

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, including responding to insurance requests, maintaining business and compliance records, resolving disputes, preventing fraud, and satisfying applicable legal, regulatory, tax, carrier, or recordkeeping requirements.

Retention periods may vary according to the nature of the information and applicable requirements.

13. Information Security

We use reasonable administrative, technical, and organizational measures intended to protect information from unauthorized access, use, alteration, or disclosure.

No website, database, electronic communication, or storage system can be guaranteed to be completely secure.

14. Your Privacy Choices and Requests

Depending on where you live and which privacy laws apply, you may have rights concerning your personal information.

You may contact us to request access to, correction of, or deletion of personal information associated with your insurance inquiry, or to ask questions concerning our privacy practices.

We may need to verify your identity before processing certain requests. Some information may need to be retained where permitted or required by insurance, legal, regulatory, security, fraud-prevention, or recordkeeping obligations.

15. Texas Residents

Texas residents may have privacy rights under applicable Texas law depending on the nature of the information, processing activities, and whether the applicable law applies to Navarro Insurance Solutions.

Requests concerning access, correction, deletion, or other privacy matters may be submitted using the contact information below.

16. Children

This website is intended for adults seeking life insurance information. It is not directed to children under 13, and we do not knowingly seek to collect personal information from children under 13 through this insurance questionnaire.

17. Telephone and Text Communications

If you provide a telephone number and consent to telephone or text communications, we may use that number to respond to your insurance request in accordance with the consent provided and applicable law.

Consent to receive marketing communications is not a condition of purchasing insurance.

You may ask us to stop text or marketing communications using the opt-out method provided with the communication or by contacting us.

18. Third-Party Websites

This website may contain links to websites operated by other companies. We are not responsible for the privacy practices, security, or content of third-party websites. Their own policies apply when you use their services.

19. Changes to This Privacy Policy

We may revise this Privacy Policy as our business, technology, advertising systems, insurance processes, or legal requirements change.

The effective date shown at the top of this page indicates when this version became effective.

20. Contact Us