PRIVACY POLICY-Dirt Cheap Burial Insurance

Our privacy notice at Dirt Cheap Burial Insurance explains how we might collect, use, store, and share your information when you use our services, like visiting DirtCheapBurialInsurance.com or engaging with our sales, marketing, or events.

If you have any questions or disagree with our practices, don't use our services and feel free to contact us at [email protected].

Quick Summary:

Personal Information: We collect personal details based on your interaction with our services, choices, and the features you use.

Sensitive Information: We might handle sensitive data with your permission or as the law allows.

Third-Party Information: We don't get information from third parties.

How We Use Your Information: We use your info to offer, enhance, and manage our services, for communication, security, legal reasons, and other purposes with your consent.

Sharing Your Information: We share your data in certain situations and with specific parties.

Protecting Your Information: We have measures to protect your information, but no system is foolproof against hackers or breaches.

Your Rights: Your location affects your privacy rights.

Exercising Your Rights: Contact us to use your privacy rights.

For more on how we handle your information, read the full privacy notice.

2. INFORMATION WE COLLECT

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

Express interest in obtaining information about our products and services. Request quotes or complete applications for insurance coverage. Participate in activities on our Website. Contact us for any reason.

This personal information may include:

Names, Phone numbers, Email addresses, Mailing addresses, Date of birth and age, Social Security Number (for insurance application purposes only), Financial information (income, assets, beneficiary information), Contact preferences, Authentication data

2.2 Sensitive Information

With your explicit consent or as otherwise permitted by applicable insurance regulations and law, we process sensitive information including:

Health data (particularly relevant for burial insurance underwriting),Medical history and current health conditions, Social Security Numbers or other government identifiers, Information revealing race or ethnic origin (as required by certain insurance applications), Financial data

2.3 Information Automatically Collected

When you visit our Website, certain information is automatically collected, including:

Log and Usage Data: IP address, service-related diagnostic information, browser type, pages visited, time spent on pages, search queries, and performance data, Device Data: Information about your device, including device type, operating system, unique device identifiers, and network information, Location Data: Approximate or precise location determined through GPS, IP address, or other technologies

2.4 Information Sources

We collect information:

Directly from you when you provide itAutomatically when you use our WebsiteFrom insurance carriers we partner with, as permitted by law

We do NOT collect information from third-party data brokers.

3. HOW WE PROCESS YOUR INFORMATION

3.1 Legitimate Business Purposes

We process your personal information for these legitimate business purposes:

To provide and administer the insurance services you requestTo process and evaluate insurance applications and claimsTo communicate with you about your insurance policies, claims, or inquiriesTo comply with legal and regulatory requirements specific to the insurance industry, including state insurance regulations and federal lawsTo protect against fraud, unauthorized transactions, and other liabilitiesTo maintain appropriate business records

3.2 Marketing and Communication

With your consent, we may use your information to:

Send you marketing and promotional communications about our insurance productsInform you about additional insurance options or coverage enhancements, Request feedback about your experience with our services, Deliver personalized insurance recommendations based on your profile and needs

You may opt-out of marketing communications at any time while still receiving essential service communications about your insurance policies.

3.3 Automated Decision Making

We may use automated processes to help determine your eligibility for certain insurance products. However, all final underwriting decisions involve human review in compliance with insurance regulations.

4. WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION

4.1 Insurance Carriers and Partners

We share your personal information, including health information, with insurance carriers for the purpose of:

Obtaining quotes and rates for burial insurance products, Processing your insurance applications, Facilitating underwriting and policy issuance, Servicing your existing policies, Processing claims

We only share information with carriers with whom we are appointed and who have appropriate data security measures in place.

4.2 Service Providers

We share information with service providers who help us operate our business, including:

Customer relationship management systemsPolicy administration systemsMarketing service providersIT and security providersPayment processors

All service providers are contractually obligated to use your information only for the purposes of providing services to us and in compliance with applicable privacy and security laws.

4.3 Legal and Regulatory Disclosures

We may disclose your information:

To comply with insurance laws and regulations, including state insurance departmentsIn response to a court order, subpoena, or legal processTo protect against fraud, money laundering, or other illegal activitiesTo regulators during examinations or auditsAs required by law

4.4 Business Transfers

In the event of a merger, acquisition, sale of company assets, or bankruptcy, your information may be transferred as a business asset. You will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your information.

5. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies to collect and store information. Our practices include:

Essential cookies necessary for Website functionalityAnalytics cookies to understand how users interact with our WebsiteMarketing cookies that track your activity across websites to deliver targeted advertising

You can manage your cookie preferences through your browser settings. For detailed information about our cookie practices, please see our Cookie Notice available on our Website.

6. HOW LONG DO WE KEEP YOUR INFORMATION

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

Fulfill the purposes outlined in this privacy policyComply with insurance industry record-keeping requirements (typically 5-7 years after policy termination)Satisfy legal, regulatory, and tax requirementsDefend against potential claims or litigation

Specific retention periods include:

Insurance application information: Duration of policy plus 7 yearsTransaction records: 7 years as required by tax regulationsMarketing preferences: Until you opt-out or request deletionWebsite usage data: 2 years

When we no longer need personal information, we securely delete or anonymize it. If we cannot delete or anonymize the information (such as in backup systems), we will isolate it from further processing until deletion is possible.

7. HOW DO WE KEEP YOUR INFORMATION SAFE

7.1 Security Measures

We implement appropriate technical and organizational security measures to protect your personal information, including:

Encryption of sensitive personal information at rest and in transitSecure access controls and authentication procedures, Regular security assessments and vulnerability testing, Employee training on data protection and security, Physical safeguards for facilities where data is stored, Compliance with insurance industry security standards

7.2 Incident Response

In the event of a data breach involving your personal information, we will:

Take immediate steps to contain and investigate the breachNotify affected individuals in accordance with applicable lawsNotify appropriate regulatory authorities, including state insurance departmentsTake corrective measures to prevent similar breaches in the future

8. PROTECTION OF MINORS

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we discover that a child under 18 has provided us with personal information, we will promptly delete it. If you believe we might have information from or about a child, please contact us at

[email protected]

9. YOUR PRIVACY RIGHTS

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

9.1 Access and Portability

You may request access to your personal information and obtain a copy in a structured, machine-readable format.

9.2 Correction

You may request that we correct inaccurate or incomplete personal information.

9.3 Deletion

You may request deletion of your personal information, subject to legal and regulatory retention requirements applicable to insurance records.

9.4 Restriction and Objection

You may request that we restrict processing of your personal information or object to certain types of processing.

9.5 Consent Withdrawal

Where we rely on your consent, you may withdraw consent at any time.

9.6 Complaint

You may lodge a complaint with a data protection authority about our processing of your personal information.

9.7 State-Specific Rights

Residents of certain states (CA, VA, CO, CT, UT) may have additional privacy rights under state laws. Please see our State Privacy Rights Supplement for more information.

10. EXERCISING YOUR RIGHTS

To exercise your privacy rights, please contact us at:

Email:

[email protected]

Phone: 800-966-4430

We will respond to your request within 45 days, with a possible extension of up to 45 additional days when reasonably necessary, with notice of the extension.

To protect your privacy, we may need to verify your identity before processing your request.

11. DO-NOT-TRACK FEATURES

We currently do not respond to "Do Not Track" signals from web browsers because there is no consistent industry standard for compliance. If industry standards change, we will update this policy accordingly.

12. THIRD-PARTY WEBSITES

Our Website may contain links to third-party websites, including insurance carriers. This Privacy Policy does not apply to those websites. We recommend reviewing the privacy policies of any third-party websites you visit.

13. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will post the updated policy on our Website with a revised "Last Updated" date. For material changes, we will provide notice through the Website or by email.

14. INSURANCE-SPECIFIC DISCLOSURES

14.1 Insurance Information Practices Act

In accordance with the Insurance Information Practices Act and similar state laws, we disclose that:

We may collect information about you from persons other than you, such as medical providers, with your authorizationInformation collected for insurance purposes may be disclosed to insurance institutions, agents, or support organizationsYou have the right to access and correct recorded personal information. In some cases, information may be disclosed to MIB, Inc. (formerly Medical Information Bureau)

14.2 Health Insurance Portability and Accountability Act (HIPAA)

When applicable, our collection, use, and disclosure of protected health information is governed by HIPAA. We maintain appropriate safeguards for protected health information as required by HIPAA.

14.3 Gramm-Leach-Bliley Act

As a financial institution under the Gramm-Leach-Bliley Act, we follow regulations regarding the collection, disclosure, and protection of nonpublic personal information, including providing notice of our privacy practices and allowing you to opt out of certain sharing practices.