Effective Date: 03/26/2025
Yolk Life Insurance (“we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://yolklifeinsurance.com, use our services, or engage with our communications, including artificial intelligence (AI)-enabled chat or voice interactions.
By accessing or using our site, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following categories of information:
- Personal Information: Name, address, phone number, email, date of birth, Social Security number, health history, employment status, and other information relevant to life insurance quotes.
- Communication Data: Records of your interactions via phone, chat, forms, or AI-assisted conversations.
- Device and Usage Data: IP address, browser type, device information, referral URLs, pages visited, and time spent on our site.
- Marketing and Tracking Information: Data collected via cookies, tracking pixels, and similar technologies for advertising and retargeting.
2. Use of AI in Communications
We may use artificial intelligence (AI) technologies to enhance communication through both chat and voice interfaces. These AI systems may:
- Assist in answering questions about life insurance products.
- Help schedule appointments or connect you with licensed agents.
- Record and analyze communication data to improve service quality.
All AI interactions are monitored for accuracy, compliance, and training purposes.
3. How We Use Your Information
We use the information we collect to:
- Provide you with life insurance quotes and policy options.
- Connect you with licensed insurance agents and providers.
- Deliver customer support through human and AI-assisted methods.
- Personalize your experience on our website.
- Improve our website functionality and marketing efforts.
- Send marketing communications, subject to your consent.
4. Disclosure of Information
We may share your information with:
- Licensed Insurance Providers and Resellers for the purpose of providing quotes or facilitating insurance purchases.
- Service Providers and Partners who assist in our operations (e.g., hosting, analytics, communications).
- Legal and Regulatory Authorities when required by law or to protect our legal rights.
We do not sell your personal data to third parties.
5. Use of Cookies and Marketing Pixels
We use cookies, tracking pixels, and similar technologies to:
- Understand visitor behavior on our website.
- Improve site performance and usability.
- Deliver personalized ads and retargeting campaigns via platforms like Google, Facebook, and others.
You may opt out of tracking or manage your preferences through your browser settings or by visiting https://optout.aboutads.info/.
6. TCPA Consent & Communication
By submitting your information, you agree to be contacted via automated phone calls, SMS, or AI-enabled voice agents, which may include marketing communications, in accordance with the Telephone Consumer Protection Act (TCPA). Your consent is not a condition of purchase.
You may revoke your consent at any time by:
- Texting “STOP” to any SMS you receive.
- Contacting us directly at [Insert contact email or phone number].
7. Your Rights Under CCPA
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
- Right to Know: You can request details about the personal information we collect and how we use it.
- Right to Delete: You can request that we delete your personal data, subject to certain exceptions.
- Right to Opt Out: You can opt out of the sale of your personal information (note: we do not sell your data).
- Right to Non-Discrimination: You will not be penalized for exercising your privacy rights.
To exercise any of these rights, contact us at:
📧 Email: privacy@yolk-life.com
📞 Phone: 1-888-482-1479
We will verify your identity before processing any request.
8. Data Security
We implement technical, administrative, and physical safeguards to protect your personal data from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet is 100% secure.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.
10. Children’s Privacy
Our website is not intended for individuals under the age of 18. We do not knowingly collect data from children.
11. Updates to This Policy
We may update this Privacy Policy from time to time. When we do, the revised version will be posted on this page with an updated effective date.
12. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
Yolk Life Insurance
📧 Email: privacy@yolk-life.com
📞 Phone: 1-888-482-1479
