Allied Policy Privacy Policy

Allied Policy is a licensed, independent life insurance agency operating from [mailing address], starting in Illinois. We hold our own insurance producer license and business-entity (agency) license (for example, [DFPR license number]) and our own carrier appointments. We are the agency of record.

We are an agency, not an insurer. We shop multiple carriers so you can compare real options, but we do not underwrite risk, make coverage decisions, or issue policies. Eligibility, coverage, pricing, and the final policy are determined by the issuing carrier. The information on our site and in our tools is general information, not insurance, legal, tax, or financial advice, and not a recommendation to buy any particular product.

We work with licensed advisor partners, and some services may be provided through those partners. We are compensated through commissions paid by insurance carriers when a policy is placed. For questions about this policy, contact us at [contact email], [phone number], or [mailing address].

We collect the following categories of information, depending on how you interact with us. You are not required to provide all of it, but some information is needed to give you a quote, submit an application, or service a policy.

We use the information we collect to operate our business, serve you, and meet our legal and compliance obligations. We do not use your health-related or biometric information for advertising.

We share information only as needed to provide our services and as required by law. We do not sell your biometric data, and we do not lease, trade, or profit from it in any way. We share information with the following categories of recipients.

We do not sell your voiceprint or other biometric identifiers or biometric information, and we do not lease, trade, or otherwise profit from it. Any sharing of biometric information is strictly limited as described in the Illinois Biometric Information Privacy Act section below.

When you provide your phone number and give the required prior express written consent, you authorize Allied Policy (and the specific advisor partners named in the consent) to contact you at that number, including by autodialed calls or texts and by calls that use an artificial or prerecorded voice, which can include our AI voice assistant. Your consent to receive marketing calls or texts is not a condition of purchasing any product or service.

Some calls use an automated AI voice system rather than a live person. On outbound AI voice calls, we identify Allied Policy, disclose that you are speaking with an automated AI system and not a human, offer a way to reach a person, and offer a way to opt out. If you tell the system to stop, we treat that as a request to opt out.

SMS and STOP/opt-out: message and data rates may apply, and message frequency varies. You can opt out of text messages at any time by replying STOP to any message, and you can reply HELP for help. Opting out of texts does not by itself opt you out of other channels.

Recorded calls: calls to and from Allied Policy may be monitored or recorded for quality, training, servicing, and compliance. In Illinois we treat calls as requiring all-party consent, so we disclose recording at the start of the call; if you continue the call after that disclosure, you consent to the recording, and if you object we will stop.

Honoring do-not-call and opt-outs: we maintain an internal do-not-call and suppression list and honor the National Do Not Call Registry. You may opt out of marketing calls and texts at any time, by any reasonable method, including telling our voice assistant to stop, replying STOP to a text, using an option in your portal, or contacting us at [contact email] or [phone number]. We honor opt-out and revocation requests promptly, and no later than the time required by law. An opt-out you give us applies across our channels and partners.

Calling hours: for outbound marketing calls in Illinois, we restrict calling to the hours allowed by law (generally 8:00 a.m. to 9:00 p.m. local time), identify ourselves and the purpose of the call, and do not spoof or block caller identification.

For Illinois residents, we may collect and use a voiceprint, which is a biometric identifier under the Illinois Biometric Information Privacy Act (BIPA), to recognize and authenticate you as a returning caller. We only do this if you provide a separate, informed written consent (an electronic signature is acceptable) before any voiceprint is created. That consent, which is a standalone release separate from our marketing and lead consent, names the biometric we collect (your voiceprint), the purpose (caller recognition and authentication), and how long we keep it. See our biometric consent notice at [link to biometric consent notice].

Retention and destruction: we retain your voiceprint only as long as needed for its stated purpose, and in any event no longer than three years from your last interaction with us, whichever comes first. We follow a publicly available written retention-and-destruction schedule, enforced by an automated destruction process, and destroy voiceprints on that schedule. Our current schedule is available at [link to biometric retention schedule].

No sale and strict limits: we do not sell, lease, trade, or otherwise profit from your voiceprint or any other biometric identifier or biometric information, and we disclose it only in the narrow circumstances the law allows. We store biometric data using at least a reasonable standard of care and in a manner that is the same as or more protective than how we store other sensitive information. If you do not consent to a voiceprint, you can still use our services; we simply will not recognize you by voice.

We and our service providers use cookies and similar technologies (such as pixels and local storage) to operate the site, remember your preferences, keep you signed in, measure and improve performance, and understand how our site is used. Some of these are necessary for the site to function, and others are optional.

You can control cookies through your browser settings, and where required we provide a cookie preference tool at [link to cookie settings]. Blocking some cookies may affect how the site works. Where required by applicable law, we honor recognized browser-based opt-out signals; [counsel to confirm whether the site responds to Global Privacy Control and similar signals at launch]. We use consent-certification tools to document the consent you provide through our forms.

We keep information for as long as needed to provide our services, service your policy, and meet our legal, regulatory, and recordkeeping obligations, after which we delete or de-identify it.

For consent records, call recordings, and call transcripts, our general retention period is approximately five years, aligned to applicable limitations periods and confirmed against applicable state rules. Voiceprints are held to the shorter BIPA schedule described above (no longer than three years from your last interaction, or sooner once the purpose is met). Where different legal requirements apply, we follow the period the law requires.

You have choices about your information, and depending on where you live you may have additional rights. To exercise any of these, contact us at [contact email], [phone number], or [mailing address], or use the tools available in your policyholder portal. We will verify your identity before acting on a request and will respond within the time required by law.

Some information is retained for legal, regulatory, and recordkeeping reasons (for example, consent records, call recordings, and licensing and audit records) and cannot be deleted while those obligations apply, so not every record can be erased on request. The specific rights available to you depend on where you live and on applicable law.

As a licensed insurance agency, we maintain a written information security program with administrative, technical, and physical safeguards designed to meet the GLBA Safeguards Rule and applicable insurance data-security requirements. We store your information in the United States.

Our safeguards are designed to include encryption of sensitive data at rest and in transit, role-based access controls so that people see only the information they need, multi-factor authentication for accounts that can view sensitive personal information, activity logging and auditing, and vendor oversight. No system can be guaranteed to be perfectly secure, but we work to protect your information and to detect and respond to security events. If a security incident affects your information, we will notify you and regulators as required by law.

Our website and services are intended for adults and are not directed to children under 18, and we do not knowingly collect personal information from anyone under 18. If you believe a child has provided us personal information, contact us at [contact email] and we will delete it as required by law.

We may update this Privacy Policy from time to time. When we do, we will revise the last updated date at the top of the page, and, where required, we will provide additional notice. Your continued use of our website or services after an update means you accept the revised policy.

If you have questions about this Privacy Policy or want to exercise your choices or rights, contact us at:

Allied Policy, [mailing address]. Email: [contact email]. Phone: [phone number]. For biometric or BIPA questions, contact us at [biometric contact email or same as above].