1. Introduction
Evergreen Life Advisors ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and the rights you have regarding your personal information.
This policy applies to information collected through our website at evergreenlifeadvisors.com and through related communications (phone, email, text messages, and forms).
By using our website or submitting your information through our quote request form, you acknowledge that you have read and understood this Privacy Policy.
2. Information We Collect
2.1 Information You Provide
When you request a quote or contact us, we may collect:
- Full name
- Email address
- Phone number
- Age or date of birth
- Desired coverage amount
- State of residence
- Health-related information you voluntarily provide during the quote process
- Any additional information you choose to share with us
2.2 Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address and approximate location
- Browser type and version
- Device type and operating system
- Pages visited and time spent on each page
- Referring website
- Date and time of visit
2.3 Information from Third Parties
We may receive information about you from insurance carriers, lead generation partners, or other service providers when you have given consent for that information to be shared with us.
3. How We Use Your Information
We use the information we collect to:
- Provide insurance quotes and coverage recommendations
- Connect you with appropriate insurance carriers and underwriters
- Communicate with you about your inquiry or policy options
- Respond to your questions and provide customer support
- Send you informational content about insurance products you may be interested in
- Improve our website and services
- Comply with legal obligations and prevent fraud
- Maintain records as required by insurance regulations
4. Health and Lifestyle Information
If you choose to submit a Detailed Quote request, we collect additional health and lifestyle information including:
- Height and weight
- Tobacco or nicotine use
- Pre-existing medical conditions (optional)
- Current medications (optional)
- Hospitalizations and surgical history (optional)
- High-risk hobbies, occupations, or travel patterns (optional)
Voluntary submission. Providing health and lifestyle information is entirely voluntary. You may also use our Quick Quote form, which does not collect this information.
Confidentiality. Health information you provide is kept confidential and is used only to provide you with personalized quotes from licensed insurance carriers. We do not sell, rent, or share your health information for marketing purposes.
How this information is shared. To generate accurate quotes, your health and lifestyle information may be shared with insurance carriers and their underwriters as part of the quoting and underwriting process. This sharing is necessary to provide you with the personalized quotes you've requested.
Express consent required. Before submitting the Detailed Quote form, you are presented with a separate Health Information Consent checkbox. You must affirmatively check this box to acknowledge that you understand how your health information will be used and shared.
Security. Health information is transmitted over encrypted (HTTPS/TLS) connections and stored in our customer relationship management system, accessible only to authorized Evergreen Life Advisors personnel and the insurance carriers receiving your quote request.
Note on HIPAA. Evergreen Life Advisors is not a "covered entity" under the Health Insurance Portability and Accountability Act (HIPAA). However, we treat health information you share with us with the same care, applying reasonable administrative, technical, and physical safeguards. Information shared with insurance carriers may become subject to those carriers' own privacy frameworks, which may include HIPAA-equivalent protections.
State-specific rights. Residents of certain states (including California, Washington, Connecticut, Virginia, and others) may have additional rights regarding health information under state law. See Section 10 below or contact us for details.
Withdrawal. You may withdraw consent and request deletion of health information you have shared at any time by contacting us at armand@evergreenlifeadvisors.com. We will honor this request subject to legal recordkeeping requirements.
6. Communications and Consent (TCPA)
When you submit your information through our quote request form, you are presented with an explicit consent checkbox containing the following language:
"By clicking 'Yes, I accept,' I agree to receive marketing, transactional, and informational messages from Evergreen Life Advisors and its partners about Insurance. These messages may include text, calls, or prerecorded/artificial voice messages, sent via phone system, CRM, or ATDS. I confirm I'm using the number I own and provided, and I can unsubscribe anytime by replying 'STOP' to any text message. This consent applies even if I'm on any Do Not Call list. I am at least 18 years old and have read the Privacy Policy. Msg & data rates may apply."
By checking this box and submitting the form, you provide your express written consent (as defined under the Telephone Consumer Protection Act, 47 U.S.C. § 227) to be contacted by Evergreen Life Advisors and its insurance carrier partners by:
- Telephone calls (including pre-recorded, artificial-voice, or autodialed calls placed using an Automatic Telephone Dialing System or ATDS)
- Text messages (SMS), including those sent through automated systems
at the phone number and email address you provide, regardless of whether your number appears on any federal or state Do Not Call list, internal company Do Not Call lists, or wireless designations.
Your consent is not a condition of any purchase. Standard message and data rates may apply for text messages. Message frequency varies.
You may opt out of communications at any time by:
- Replying STOP to any text message you receive
- Replying HELP to any text message for assistance
- Clicking the unsubscribe link in any email
- Asking the caller to remove you from the call list during any phone call
- Contacting us directly at armand@evergreenlifeadvisors.com
We maintain records of all consents, including the date, time, IP address, and exact disclosure language presented at the time of consent, in accordance with TCPA recordkeeping requirements.
6.1 SMS Terms & Conditions
By providing your phone number and consenting to receive text messages, you agree to the following SMS terms:
- Program Description: Evergreen Life Advisors uses SMS to deliver quote follow-ups, appointment confirmations, policy reminders, important policy-related notices, and occasional marketing about insurance products.
- Message Frequency: Message frequency varies depending on your interactions with us. You may receive up to several messages per week, depending on your activity and the stage of your quote process.
- Pricing: Standard message and data rates may apply. We do not charge for our SMS service, but your wireless carrier may charge you for messages received.
- Opt Out: Reply STOP to any text message at any time to unsubscribe. You will receive a confirmation message and no further messages will be sent.
- Help: Reply HELP to any text message for assistance, or contact us at armand@evergreenlifeadvisors.com.
- Carrier Support: Supported carriers include AT&T, T-Mobile, Verizon, Sprint, and most other U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.
- Privacy: Your mobile information will not be shared with third parties for marketing or promotional purposes. Information sharing with carriers and underwriters for the purpose of providing quotes is described elsewhere in this Privacy Policy.
8. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These include encrypted connections (HTTPS/TLS), restricted access controls, and secure data storage with our service providers.
However, no method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
9. Data Retention
We retain your personal information for as long as necessary to provide our services, comply with our legal obligations (including insurance recordkeeping requirements, which may be 5-10 years or longer depending on state law), resolve disputes, and enforce our agreements.
You may request deletion of your information at any time, subject to our legal obligations to retain certain records.
10. Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal information:
- Right to Access: Request a copy of the personal information we hold about you
- Right to Correct: Request that we correct inaccurate information
- Right to Delete: Request that we delete your personal information (subject to legal retention requirements)
- Right to Opt Out: Opt out of marketing communications at any time
- Right to Data Portability: Request your information in a portable format
- Right to Non-Discrimination: We will not discriminate against you for exercising these rights
To exercise these rights, contact us at armand@evergreenlifeadvisors.com. We will respond within the timeframes required by applicable law.
11. California Residents (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:
- The right to know what personal information we collect, use, disclose, and sell
- The right to delete personal information we have collected from you
- The right to opt out of the sale or sharing of personal information (we do not sell personal information)
- The right to limit the use of sensitive personal information
- The right to correct inaccurate personal information
- The right to non-discrimination for exercising your rights
To exercise these rights, email us at armand@evergreenlifeadvisors.com with the subject line "California Privacy Request."
We may need to verify your identity before responding to your request. We will not discriminate against you for exercising your rights.
12. Children's Privacy
Our website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can delete it.
13. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.
14. Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you by email or through a notice on our website. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.
15. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact us at:
Evergreen Life Advisors
Email: armand@evergreenlifeadvisors.com
Website: www.evergreenlifeadvisors.com