Privacy Policy

Last updated: July 3, 2026 · Version 2.0

This Privacy Policy explains how Life Policy Pilot ("we", "us", "our") — the brand under which Richard Parslow, an independent licensed Texas life insurance broker, publishes educational content and offers brokerage services — collects, uses, and protects information when you visit lifeinsurancebrokeradvocate.com (the "Site", also published at life-policy-light.lovable.app) or contact us for life insurance services. The business contact address for privacy questions is listed in Section 13 below.

1. Information We Collect

• Information you provide: name, email, phone, ZIP code, date of birth, health/lifestyle details, and any information you share through our contact forms, email, or phone calls when requesting a quote or consultation.
• Automatically collected: IP address, browser type, device type, operating system, pages viewed, referring URL, and timestamps. This is collected via cookies and similar technologies.

2. How We Use Information

• To respond to inquiries and provide life insurance quotes.
• To submit applications to carriers on your behalf.
• To improve the Site, content, and user experience.
• To comply with legal, regulatory, and licensing obligations.

3. Cookies and Tracking Technologies

We use cookies and similar technologies to operate the Site, measure traffic, and (where permitted) serve advertising. You can control cookies through your browser settings and through our cookie consent banner. You can reopen the banner at any time using the “Manage cookies” link in the footer of every page.

Categories of cookies we use:

• Strictly necessary — required for the Site to function (e.g. remembering your cookie choice). Always on.
• Analytics — helps us understand aggregate usage. Off until you accept.
• Advertising — used by Google AdSense and its partners to serve and measure ads. Off until you accept.

4. Google Consent Mode v2 and EEA / UK / Switzerland Visitors

For all visitors we implement Google Consent Mode v2. Advertising and analytics storage default to denied until you grant consent through our banner. If you are located in the European Economic Area, the United Kingdom, or Switzerland, no advertising or analytics cookies are set and no personal data is shared with Google for ads personalization unless you affirmatively accept. Where consent is refused, Google may still receive limited, non-identifying signals ("cookieless pings") solely for aggregate measurement, with ads_data_redaction enabled.

5. Third-Party Advertising (Google AdSense)

We may use Google AdSense to display advertisements. Google and its partners use cookies (including the DoubleClick DART cookie) to serve ads based on your prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and/or other sites on the Internet.

You may opt out of personalized advertising by visiting Google Ads Settings, or opt out of a third-party vendor's use of cookies for personalized advertising by visiting aboutads.info.

6. Analytics

We may use analytics services to understand how visitors use the Site. These services may set their own cookies and collect aggregate usage data.

7. Information Sharing

We do not sell personal information. We share information with insurance carriers and underwriters only as needed to provide quotes or process applications you have requested, with service providers that support our operations under confidentiality obligations, and as required by law.

8. Data Retention

We retain personal information for as long as needed to provide services, comply with insurance recordkeeping requirements, and meet legal obligations.

9. Your Rights

Depending on your state of residence, you may have the right to access, correct, delete, or restrict our use of your personal information, and to opt out of certain data processing or targeted advertising. To exercise these rights, use our contact form.

10. California Residents — Do Not Sell or Share My Personal Information

If you are a California resident, the California Consumer Privacy Act (as amended by the CPRA) gives you the right to know, delete, correct, and limit use of your personal information, and to opt out of the “sale” or “sharing” of personal information for cross-context behavioral advertising. We do not sell personal information for money. However, our use of third-party advertising cookies (Google AdSense) may qualify as “sharing” under California law.

To opt out, either (a) click Decline in our cookie banner or click “Manage cookies” in the footer, (b) enable Global Privacy Control (GPC) in your browser, which we honor as a valid opt-out signal, or (c) submit our contact form with the subject line “Do Not Sell or Share”. We respond within 15 business days.

11. Children's Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children.

12. Security

We use reasonable administrative, technical, and physical safeguards to protect personal information. No method of transmission over the Internet is 100% secure.

13. Contact — Privacy Requests

For privacy requests, CCPA opt-outs, data access, or general questions about this Policy, contact:

14. Changes to This Policy

We may update this Policy from time to time. Material changes will be reflected by updating the “Last updated” date and version number above. Prior versions are available on request.