Privacy Policy

This Privacy Policy explains how chicolifeinsurance.com ("we", "us", or "our") collects, uses, and shares your personal information when you use our website and services. By using this Website, you agree to the practices described below.

1. Information We Collect

• Full name
• Phone number
• Email address
• Home address or ZIP code
• Date of birth, gender
• Health information (e.g., smoking status, existing conditions)
• Requested coverage type or amount
• Any information voluntarily provided in form fields

2. How We Use Your Information

• To contact you about life insurance quotes and related services
• To match you with a licensed agent who can assist you
• To respond to inquiries or requests you submit
• To analyze usage and improve our services
• To comply with legal or regulatory obligations

3. How We Share Information

We may share your information with:

• Licensed insurance agents or agencies who can assist with your inquiry
• Technology vendors such as Google Forms/Sheets for secure data storage
• Government agencies or regulators if required by law

We do not sell your information for profit, but California law may treat lead sharing as a “sale” or “sharing” of personal information under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). You may opt out at any time.

4. Your California Privacy Rights

Under the CCPA and CPRA, you have the right to:

• Request access to your personal data
• Request deletion of your data
• Opt out of the sale or sharing of your data
• Designate an authorized agent to make a request on your behalf

To exercise any of these rights, please email us at justincheung@chicolifeinsurance.com with the subject line “Privacy Request”.

5. Do Not Sell My Personal Information

If you do not want your information shared with third parties for marketing purposes, you may opt out at any time by clicking this link: Do Not Sell My Info or by emailing us at justincheung@chicolifeinsurance.com.

6. Security

We use secure connections (HTTPS) and trusted third-party services (Google) to protect your information. However, no system is 100% secure, and we cannot guarantee the security of any information transmitted over the internet.

7. Cookies & Tracking

We may use cookies or tracking technologies (such as Google Analytics or Meta Pixel) to monitor user behavior, improve functionality, and personalize marketing. These tools may collect IP address, device info, or browser data. You may disable cookies in your browser settings.

8. Third-Party Websites

This Website may link to third-party sites. We are not responsible for the privacy practices or content of those sites. Please review their policies before submitting personal information.

9. Children’s Privacy

We do not knowingly collect or solicit information from children under 13 years old. If we learn that we have collected such information, we will delete it immediately. This Website is intended for adults 18 and older.

10. Changes to This Policy

We may update this Privacy Policy at any time. If we make material changes, we will update the "Last Updated" date below. Continued use of the Website after such changes constitutes your acceptance.

11. Contact Us

For any privacy-related concerns or questions, please contact us:

Justin Cheung, Licensed Insurance Agent
Email: justincheung@chicolifeinsurance.com
Phone: (530) 230-7990
CA License #4453965
Chico, California

12. Data Retention

We retain personal information only as long as necessary to fulfill the purpose it was collected for, including to provide services, respond to requests, comply with legal obligations, and resolve disputes. If you request deletion, we will remove your data from our systems and any third parties to the extent possible.

13. Authorized Agent Requests

You may designate an authorized agent to make a CCPA request on your behalf. To do so, we may require proof of identity and written authorization signed by the consumer granting permission to the agent.

14. Sensitive Personal Information

Some of the information we collect, such as health details, may be considered “sensitive personal information” under California law. We use this information solely to help provide appropriate life insurance options and do not use it for profiling, automated decision-making, or advertising.

15. Telephone Communications

By providing your phone number, you expressly consent to receive marketing and informational calls or text messages from us and our licensed partners, including via automated dialing systems or prerecorded voice. You may revoke this consent at any time by emailing justincheung@chicolifeinsurance.com or replying “STOP” to any text message.

16. Non-Discrimination Notice

We will not discriminate against you for exercising any of your California privacy rights. This includes denying services, charging different prices, or providing a different level or quality of service.

17. Future Business Transfers or Lead Distribution

In the future, we may partner with or refer leads to other licensed insurance agents or brokerages. Your information may be transferred as part of a business expansion, acquisition, or partnership with other licensed professionals. We will ensure any such parties are required to protect your information under privacy laws.

18. Automated Processing

We do not currently use automated decision-making systems to determine eligibility or outcomes. Any quotes or recommendations are reviewed by licensed agents. If we implement such tools in the future, we will update this policy accordingly.

19. No Affiliation with Insurance Carriers

This Website is operated by a licensed insurance agent and is not affiliated with or endorsed by any specific insurance carrier unless explicitly stated. We do not underwrite or issue policies directly.

21. How to Control Your Information

You can take the following actions at any time:

• Request a copy of the data we have about you
• Request that we delete your data
• Opt out of being contacted by phone, text, or email
• Opt out of the sharing of your data with other agents
• Revoke consent previously given

To make any of these requests, please email justincheung@chicolifeinsurance.com.

22. Accessing This Policy

You may print or download a copy of this Privacy Policy for your records. To request a PDF version, contact justincheung@chicolifeinsurance.com.

Last updated: 8/7/2025