Privacy Policy

Celena Doctor, an independent licensed life insurance agent (“we,” “us,” or “our”), respects your privacy. This Privacy Policy explains how information may be collected, used, disclosed, and protected when you visit www.veteran-legacy-benefits.com, request life insurance information, schedule an appointment, communicate with us, or otherwise use this website.

Information We May Collect

Information voluntarily provided may include:

• First and last name
• Telephone number
• Email address
• State of residence
• General age or age range
• General life insurance interests
• Desired coverage amount or range
• General budget range
• Current life insurance status
• Primary reason for considering coverage
• Desired timeframe for obtaining coverage
• Preferred contact time
• Appointment information
• Communications sent to us
• Other information voluntarily provided

The general website inquiry form is not intended for Social Security numbers, banking information, payment-card information, detailed medical records, prescription information, account passwords, or similar highly sensitive information.

Additional information may be requested later through an appropriate insurance qualification or application process.

Information Collected Automatically

When visitors use this website, certain technical information may be collected, such as:

• IP address
• Browser and device type
• Operating system
• Pages visited
• Referring website
• Date and time of visits
• Advertising campaign information
• UTM parameters
• Website interaction data
• Cookie or similar technology identifiers

Cookies, pixels, web beacons, and similar technologies may be used for website functionality, analytics, advertising measurement, and related purposes.

Meta Pixel and Advertising Technologies

This website may use Meta Business Tools, including the Meta Pixel and potentially Meta Conversions API, to measure advertising performance and understand whether advertisements result in website visits or lead requests.

Medical diagnoses, prescription information, Social Security numbers, banking information, detailed financial information, and other sensitive information are not intentionally transmitted to Meta through the Meta Pixel or Conversions API.

How Information May Be Used

Information may be used to:

• Respond to life insurance inquiries
• Contact prospects regarding requested coverage reviews
• Discuss potentially appropriate insurance options
• Schedule and manage appointments
• Provide insurance-related information or quotes
• Assist with insurance applications when requested
• Communicate by phone, text, or email as permitted
• Send appointment confirmations and reminders
• Maintain prospect and customer records
• Operate CRM and sales systems
• Improve website performance
• Measure advertising effectiveness
• Prevent fraud or misuse
• Maintain compliance records
• Process opt-out and Do-Not-Contact requests
• Comply with applicable laws and regulations

Service Providers and Other Parties

Information may be processed or disclosed when reasonably necessary to operate the business or provide requested services, including to:

• Ringy or other CRM and communication providers
• Zapier or other integration providers
• Website hosting providers
• Appointment scheduling providers
• Insurance carriers
• General agencies
• Underwriting or insurance-related service providers
• Meta and other advertising or analytics providers
• Attorneys, accountants, or compliance professionals
• Government or regulatory authorities when legally required

Personal information is not sold to third parties for money.

SMS opt-in consent and SMS consent records are not shared with unaffiliated third parties for their own independent marketing purposes.

Calls and Text Messages

Submitting the coverage-review form requests and authorizes a follow-up telephone call from Celena Doctor at the number provided regarding the prospect’s life insurance inquiry and appointments.

Text messages are optional and are sent only where separate SMS consent has been provided through the text-message checkbox or another permitted method.

Message frequency varies. Message and data rates may apply.

SMS consent may be revoked at any time by replying STOP. Requests that calls or other communications end will also be honored where applicable.

You may also contact: 561-899-7837 or celenadoctor.ffl@gmail.com.

Email Communications

Marketing email recipients may unsubscribe using the unsubscribe method provided in applicable emails.

Do-Not-Call Requests

Requests not to receive additional marketing calls will be honored and maintained in applicable internal Do-Not-Contact records.

Data Retention

Information is retained only as long as reasonably necessary to provide requested services, maintain appropriate business and compliance records, resolve disputes, prevent fraud, and satisfy applicable legal or regulatory obligations.

Information Security

Reasonable administrative, technical, and organizational safeguards are used to help protect personal information.

However, no website, database, storage system, or internet transmission can be guaranteed to be completely secure.

Privacy Choices

Depending on applicable law and location, visitors may have rights relating to access, correction, deletion, withdrawal of consent, or certain advertising and data-sharing activities.

Privacy requests may be submitted to:

Identity verification may be required before certain privacy requests are completed.

Children

This website and the insurance services offered through it are intended for adults. The website is not intended to knowingly solicit personal information from children under 13.

Third-Party Websites

Links to third-party services may be provided. Celena Doctor is not responsible for the independent privacy practices or content of websites operated by other organizations.

Changes to This Policy

This Privacy Policy may be updated periodically. The Last Updated date will reflect material revisions.

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