Privacy Policy

Hearthbright Financial LLC (“we,” “us,” “our”) operates hearthbrightfinancial.world and is a licensed independent insurance agency offering life, health, and final expense insurance through licensed agents. We are not an insurance carrier and do not issue, underwrite, or bind coverage. Submitting a request through our website is not an application for insurance.

We may collect information you provide directly, including:

• Identifiers, such as your name, telephone number, email address, and ZIP code.
• Demographic information, such as date of birth, age, gender, and state.
• Insurance-related information, such as coverage interests, tobacco use, and other eligibility information.
• Consent records, including the exact consent language presented, checkbox status, date and time, IP address, and browser user agent.

We may also automatically collect device information, browser type, referring pages, site usage, cookie identifiers, and marketing attribution data.

We use personal information to:

• Process your request and generate or facilitate quote estimates.
• Connect you with a licensed insurance agent or agency.
• Contact you in accordance with the consent you provide.
• Send marketing texts or emails only when you separately opt in where required.
• Document consent and honor opt-out requests.
• Operate, secure, analyze, and improve our website and services.
• Comply with legal and regulatory obligations.

This section controls over any conflicting provision in this Privacy Policy. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

We may use service providers solely to deliver and support messages on our behalf. Those providers are contractually restricted from using mobile information for any other purpose. Consent to receive text messages is never a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP at any time to opt out or HELP for assistance.

We may disclose information to licensed insurance agents or agencies for the core purpose of responding to your request; to insurance carriers if you choose to apply; to service providers working under contract; when required for legal, regulatory, fraud-prevention, or safety purposes; and in connection with a merger, financing, acquisition, or sale of business assets.

We do not share personal information with third parties for their own independent marketing without your consent. Mobile information and text opt-in data remain subject to the stricter commitments in Section 4.

Some state privacy laws define “sale” or “sharing” broadly to include certain advertising or analytics activities, even when money is not exchanged. Where applicable, you may opt out by contacting us using the details below. We do not sell or share mobile information or text messaging originator opt-in data and consent for marketing or promotional purposes under any circumstances.

We retain personal information only as long as reasonably necessary for the purposes described in this Policy, including legal, compliance, dispute-resolution, and security needs. We retain consent and communication records for at least five years. We retain opt-out and suppression records indefinitely, or as long as needed to ensure your preference is honored.

We and our service providers may use cookies, pixels, and similar technologies to operate the site, remember preferences, measure performance, prevent fraud, and understand marketing attribution. You can limit cookies through your browser settings, although parts of the site may not function as intended.

Where required by applicable law, we recognize supported browser-based opt-out signals, including Global Privacy Control, as a request to opt out for that browser or device.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information. No internet transmission or storage method is completely secure, however, and we cannot guarantee absolute security.

Depending on your state of residence, you may have the right to know or access personal information, correct inaccuracies, delete information, obtain a portable copy, and opt out of sale, sharing, targeted advertising, or certain profiling. These rights may apply to residents of California, Colorado, Connecticut, Florida, Texas, Virginia, and other states with comprehensive privacy laws. You will not be discriminated against for exercising a privacy right.

Submit a request using the contact details below and describe the right you wish to exercise. We may verify your identity and authority before completing a request. If we deny your request, residents of states providing an appeal right may appeal by replying to our decision. You may also use an authorized agent where permitted by law.

Our services are intended for adults age 18 and older. We do not knowingly collect personal information from children under 13, and we do not knowingly sell or share personal information of consumers under 16. If you believe a child submitted information, please contact us so we can review and delete it as appropriate.

We may update this Privacy Policy from time to time. We will post the revised version here and update the effective date. Material changes will be communicated as required by applicable law. Your continued use of the site after an update means the revised Policy applies to your future use.

For privacy questions, requests, or concerns, contact: