Privacy Policy

This Privacy Policy describes how Maker Life Group ("Company," "we," "us," or "our") collects, uses, discloses, and safeguards personal information obtained from individuals ("you," "your") who visit makerlifegroup.com (the "Site"), submit a form or inquiry, interact with our advertisements, or communicate with us via phone, text message (SMS/MMS), or email.

By accessing this Site, submitting any form, or otherwise providing your personal information, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

We collect personal information that you voluntarily provide when you complete a form, quiz, inquiry, or contact us directly. This may include:

• Personal identifiers: First and last name, email address, phone number (including mobile number)
• Demographic information: Age range, date of birth, state of residence, coverage needs, relationship to the insured
• Financial context: General income range, budget preferences, mortgage balance (ranges only), retirement savings estimates
• Health information: General health status as provided in quiz responses (e.g., "generally healthy," "some conditions") — we do not collect specific medical records through this Site
• Communication records: Records of phone calls, text messages, and emails between you and Maker Life Group
• Technical data: IP address, browser type and version, device type, operating system, referring URL, pages visited, time spent on pages, and other standard web analytics data
• Advertising data: Information collected through Meta (Facebook/Instagram) ads, including ad interactions, click-through data, and any information provided through lead generation forms on social media platforms

2. How We Use Your Information

We use your personal information for the following purposes:

• To respond to inquiries about life insurance products and services
• To contact you by phone, text message (SMS/MMS), and/or email regarding insurance products and services you have expressed interest in
• To send appointment reminders, follow-up messages, and scheduling confirmations via SMS
• To provide personalized insurance quotes and policy recommendations
• To schedule and conduct consultations
• To send educational content related to life insurance, financial planning, and our services
• To process insurance applications on your behalf with our carrier partners
• To maintain internal records and improve our services
• To comply with legal and regulatory obligations, including state insurance licensing requirements

3. Text Messaging (SMS/MMS) Program

Our text messaging program is used for:

• Appointment confirmations and reminders
• Follow-up communications related to your insurance inquiry
• Policy status updates and important notifications
• Responses to your questions and requests for information

We do not send unsolicited marketing text messages. All SMS communications are directly related to an inquiry or interaction you have initiated with Maker Life Group. Your consent to receive text messages is not a condition of purchasing any product or service.

Your mobile phone number will not be shared with third parties or affiliates for marketing or promotional purposes.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

We may share your information in the following limited circumstances:

• Insurance carriers: When you authorize us to submit an application, we share necessary information with insurance carriers to process underwriting and issue policies. These carriers are bound by their own privacy policies and regulatory requirements.
• Service providers: We use trusted third-party service providers to assist with our operations, including web hosting (Netlify), form processing (Web3Forms), scheduling (Cal.com), CRM management (GoHighLevel), and messaging (Twilio). These providers are contractually obligated to protect your data and use it only for the services they provide to us.
• Legal requirements: We may disclose information when required by law, regulation, court order, subpoena, or other legal process, or when necessary to protect our rights, your safety, or the safety of others.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified via email or prominent notice on our Site of any change in ownership.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, maintain business records, comply with legal obligations, and resolve disputes. For insurance-related records, we retain information for a minimum of five (5) years after the last interaction, in accordance with state insurance record-keeping requirements. You may request deletion of your data at any time (see Section 7).

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (SSL/TLS), secure cloud storage, access controls, and regular security reviews. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request correction of any inaccurate or incomplete information.
• Deletion: You may request deletion of your personal information, subject to legal retention requirements.
• Opt-out of text messages: Reply STOP to any text message at any time. You will receive a confirmation message and no further texts will be sent.
• Opt-out of emails: Click the "unsubscribe" link in any email or contact us directly.
• Opt-out of phone calls: Inform us during any call or contact us in writing.
• Do Not Call: To be added to our internal Do Not Call list, contact us at [email protected].

To exercise any of these rights, contact us using the information in Section 10 below. We will respond within 30 days.

8. Cookies and Tracking Technologies

Our Site may use cookies, pixels, and similar tracking technologies for analytics purposes (e.g., understanding page traffic and user behavior) and to support advertising campaigns (e.g., Meta Pixel for ad performance tracking). You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain features on our Site.

9. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a child under 18, we will promptly delete it.

10. Contact Information

11. Changes to This Policy

We may update this Privacy Policy from