Privacy Policy

Introduction

Golden Years Protection (“the Company”) operates the website goldenyearsprotection.net. This Privacy Policy explains how personal information is collected, used, and disclosed when you interact with this website, submit a website or social-media lead form, communicate with the Company by phone, email, or text message, or interact with the Company's AI virtual assistant, Grace.

Information Collected

Depending on how you contact the Company and the information you provide, the Company may collect the following personal information:

• Full name
• Phone number
• Email address
• Date of birth
• State of residence
• Insurance product interest and coverage details
• Messages and other information you provide during calls, texts, or conversations with the Company's virtual assistant
• Audio recordings, transcripts, and summaries of communications where those features are used
• Appointment details and records of communication preferences, consent, and opt-outs

Calls and voice conversations with the Company's virtual assistant may be recorded, transcribed, or summarized to handle your inquiry, support follow-up, and assist with quality assurance and training, subject to applicable notice and consent requirements. A website or widget acknowledgment does not replace any notice or consent required for a separate telephone call.

Additionally, certain technical data is collected automatically through cookies and analytics tools, including IP address, browser type, pages visited, and referring URL.

How Information Is Used

Personal information is used to:

• Provide life insurance quotes and policy recommendations
• Follow up on quote requests via phone, email, or text message
• Schedule consultations and appointments
• Improve website content and user experience
• Comply with applicable insurance regulations
• Review and summarize communications to support customer service, follow-up, quality assurance, and training

The Company may use automated systems and AI assistants, including Grace, to respond to inquiries, provide general information, assist with scheduling, and prepare transcripts or summaries. Individualized insurance recommendations are provided by a licensed insurance professional, not by Grace.

Information Sharing

Golden Years Protection does not sell, rent, or trade personal information to third parties for marketing purposes. Information may be shared with insurance carriers solely for the purpose of obtaining quotes and processing applications on behalf of the client.

The Company may also disclose information to service providers that support its business operations, including customer relationship management, telephone and messaging services, appointment scheduling, website hosting, workflow automation, transcription, and AI-assisted communications. These providers help process inquiries, operate communications, and maintain related records.

Mobile information, SMS opt-in data, and consent are not sold or shared with third parties or affiliates for their own marketing or promotional purposes. Service providers supporting the messaging program may process information on the Company's behalf to deliver and administer that program. Your SMS consent is not transferred to another business for its own messaging.

SMS & Text Message Consent

By submitting a form on this website, visitors consent to receive text messages from Golden Years Protection at the phone number provided. These messages may include appointment reminders, quote follow-ups, and policy information.

The same messaging practices apply when you opt in through a Golden Years Protection social-media lead form or another contact channel. Some responses may be generated or assisted by AI and relate to your inquiry or the communications you agreed to receive.

• Message and data rates may apply.
• Message frequency varies based on your requests, replies, appointment activity, and follow-up.
• Reply STOP to opt out of text messages at any time.
• Reply HELP for assistance or call 682-254-1786.

Consent to receive text messages is not a condition of purchasing any insurance product or service.

Cookies & Analytics

This website uses the following tracking technologies:

• Google Analytics 4 (GA4): to understand how visitors interact with the site, including pages viewed, time on site, and conversion events.
• Facebook Pixel: to measure the effectiveness of advertising campaigns and deliver relevant ads.

Visitors can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on. Facebook ad preferences can be managed through Facebook Ad Settings.

Data Security

Reasonable administrative and technical safeguards are in place to protect personal information from unauthorized access, alteration, or disclosure. However, no method of transmission over the internet is 100% secure.

Recordings, transcripts, messages, summaries, and related records may be retained in the Company's systems and those of its service providers. Retention varies by record type, service settings, and operational or legal requirements; some records may be retained without a preset automatic deletion date.

You may request deletion using the contact information below. The Company may retain records needed to service your request or policy, document consent and opt-outs, resolve disputes, or comply with legal obligations. Opting out of text messages stops messaging as described in the Terms & Conditions; it does not automatically delete existing records.

Third-Party Links

This website may contain links to external sites. Golden Years Protection is not responsible for the privacy practices or content of those third-party websites.

Children's Privacy

This website is not directed at individuals under the age of 18. Personal information is not knowingly collected from minors.

Changes to This Policy

This Privacy Policy may be updated from time to time. Any changes will be posted on this page with an updated “Last updated” date.

Contact

For questions about this Privacy Policy or to request deletion of personal data, please contact: