PRIVACY POLICY

Michael Alvarez DBA Alvarez Life Insurance

Effective Date: March 1, 2026

Alvarez Life Insurance ("we," "us," or "our") respects your privacy and is committed to protecting your personal information.

By using our website or submitting your information, you agree to this Privacy Policy and our Terms and Conditions.

1. Information We Collect

Contact Information

We may collect:

• Name

• Email address

• Phone number

• Mailing address

Collected when you:

• Submit a form

• Request insurance information

• Schedule an appointment

• Contact us

Communications Data

If you opt in to SMS or email:

• Consent records

• Opt-in confirmations

• Opt-out activity

Usage Data

We may collect:

• IP address

• Browser type

• Device type

• Pages visited

• Interaction data

Service Data

Information related to your insurance inquiries or appointments.

2. How We Use Your Information

We use your information to:

• Provide requested insurance services

• Respond to inquiries

• Send appointment reminders

• Send SMS/email communications (only with consent)

• Improve website performance

• Maintain compliance records

• Prevent fraud or misuse

3. Cookies and Tracking

We may use cookies and analytics tools to improve user experience.

You may disable cookies in your browser settings.

4. How We Share Information

We do not sell, rent, or share your personal information.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with any third parties.

Service Providers

We may share data with trusted providers for:

• Messaging platforms

• Website hosting

• CRM systems

• Appointment scheduling

These providers only use data to support our services.

Legal Compliance

We may disclose information if required by law.

5. Your Choices

SMS Opt-Out

Reply STOP to unsubscribe at any time.

Email Opt-Out

Use the unsubscribe link in emails.

Data Requests

You may request access, correction, or deletion of your data.

6. SMS Consent and Opt-In

By providing your phone number and submitting a form on our website at http://alvarezlifeinsurance.com, you expressly consent to receive SMS messages from Michael Alvarez DBA Alvarez Life Insurance.

Consent is collected through a clear and conspicuous checkbox that is not pre-selected. By checking the box, you agree to receive text messages related to:

• Responses to inquiries
• Appointment confirmations and reminders
• Customer service updates
• Insurance-related information
• Promotional and marketing messages

Message frequency may vary based on your interaction with our services.

Message and data rates may apply.

You can opt out at any time by replying STOP to any message you receive. For assistance, reply HELP.

6. Data Security

We implement reasonable safeguards to protect your information.

However, no system is 100% secure.

7. Children’s Privacy

We do not knowingly collect information from individuals under 13.

8. Updates

We may update this Privacy Policy. Changes will be posted with a new effective date.

9. Contact Information

Michael Alvarez DBA Alvarez Life Insurance