Privacy Policy

Last updated: 2026-08-06

1. Who this policy covers

This policy applies to this website and to any form, survey, calculator, or booking tool on it. The site is operated by Valoram Solutions ("Valoram", "we", "us"). Marketing and technology services for this site are provided by Vital Reach Automation LLC ("VRA") acting as our service provider.

2. What we collect

When you complete a form or survey on this site, we may collect:

• Your name, email address, and phone number.
• Your answers to the questions on the page, including general information about your age range, household income, expenses, and approximate retirement savings.
• Your state of residence.
• Your IP address, browser and device type, and the pages you viewed on this site.
• Advertising identifiers, including Facebook browser and click cookies (_fbp, _fbc, fbclid) and the campaign parameters in the link you arrived on.
• The date and time you submitted the form, and the consent language shown to you at that moment.

3. How we use it

• To contact you by phone, text message, and email to schedule and hold the appointment you requested.
• To connect you with a licensed insurance agent who is appointed to do business in your state.
• To prepare for your appointment, so the agent you speak with already understands what you told us.
• To measure which advertisements and pages lead to useful conversations, so we spend our advertising budget responsibly.
• To meet our legal and recordkeeping obligations.

4. Text messages and calls

When you submit your phone number on this site, you are agreeing to be contacted at that number by phone call and by text message, including through automated systems, about the appointment you requested. Consent to receive marketing text messages is not a condition of purchasing anything.

Message frequency varies. Message and data rates may apply. Reply STOP to any text to stop receiving them, or HELP for help. Stopping texts does not remove you from other contact methods; to stop all contact, use the email address in section 10.

5. Who we share it with

We share only what is needed to deliver the service, with the following categories of third parties:

• The licensed agent assigned to you. Agents are appointed and licensed independently and are responsible for their own conduct and advice.
• Cloudflare, for website hosting and security.
• Supabase, an encrypted database that stores your submission and appointment status.
• GoHighLevel, the customer relationship system used to schedule your appointment and send reminders by text and email.
• Twilio, for phone number verification and message delivery.
• Meta (Facebook and Instagram), which receives advertising measurement events. Contact identifiers sent to Meta are cryptographically hashed before transmission.
• Vital Reach Automation LLC, our marketing and technology service provider, which operates the systems above on our behalf.

6. What we do not do

We do not sell or rent your personal information. We do not share it with unrelated third-party advertisers or with data brokers. We do not share it with parties who are not involved in delivering the service you requested.

7. Recording of calls

Calls with our team may be recorded or transcribed for quality, training, and recordkeeping purposes. Where the law of your state requires it, you will be notified at the start of the call and may decline. Recordings and transcripts are retained for 12 months.

8. Cookies and tracking

This site uses the Meta Pixel to measure advertising performance. You can manage Meta's use of your data at facebook.com/ads/preferences. We honor browser Do-Not-Track signals where they are consistently applied.

9. Your rights

You may request access to, correction of, or deletion of your personal information. Depending on your state of residence, you may also have the right to know what categories of information we have collected, to opt out of certain sharing, and to be free from discrimination for exercising these rights. Send requests to the email address in section 10. We respond within 30 days.

10. Retention and contact

We retain lead and appointment records for as long as needed for our business and legal obligations unless you request deletion. Call recordings and transcripts are retained for 12 months.

11. Children

This site is not directed at anyone under 18, and we do not knowingly collect information from children.

12. Changes

We may update this policy. The "Last updated" date above reflects the most recent revision.