Privacy Policy

1. Introduction

Kevin Lovelady ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at kevinloveladybroker.com or interact with our life insurance services.

Our primary business address is 6510 South Hazelton Lane 112, Tempe, AZ 85283. By using our website or services, you consent to the practices described in this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

Personal Information You Provide

• Name, email address, phone number, and mailing address
• Date of birth, gender, and other demographic information relevant to insurance quotes
• Health information you voluntarily share for insurance underwriting purposes
• Financial information needed to assess insurance needs
• Communication content when you message, call, or email us

Information Collected Automatically

• IP address, browser type, and device information
• Pages visited, time spent on site, and referring websites
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Provide insurance consultation, quotes, and policy recommendations
• Communicate with you about products, services, and your inquiries
• Process applications and assist with policy management
• Respond to your questions and provide customer support
• Comply with legal and regulatory obligations
• Improve our website and services

4. SMS and Text Messaging Communications

Opt-Out: You may opt out of SMS communications at any time by replying STOP to any message. For help, reply HELP or contact us directly at (928) 642-5198.

Information Sharing: Mobile phone numbers and SMS consent information will not be shared with third parties or affiliates for marketing or promotional purposes. All opt-in data and consent is retained for compliance purposes only.

Supported Carriers: SMS services are available on major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site usage, and personalize content. You can control cookie preferences through your browser settings. Disabling cookies may affect certain functionality of our website.

6. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Insurance Carriers: To obtain quotes and process applications on your behalf
• Service Providers: Third parties that help us operate our business (CRM, email, SMS platforms)
• Legal Requirements: When required by law, court order, or governmental regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets

7. Third-Party Service Providers

We work with trusted third-party providers to deliver our services, including customer relationship management (CRM) platforms, email service providers, SMS messaging platforms, and analytics providers. These providers are contractually obligated to protect your information and use it only for the services they provide to us.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records may be retained for longer periods as required by state and federal regulations.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

10. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access to the personal information we hold about you
• Correction of inaccurate or incomplete information
• Deletion of your personal information
• Objection to or restriction of certain processing activities
• Data portability
• Withdrawal of consent at any time

To exercise any of these rights, please contact us using the information in Section 17.

11. California Privacy Rights (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information is collected, the right to delete personal information, the right to opt out of the sale or sharing of personal information (we do not sell personal information), and the right to non-discrimination for exercising these rights.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

13. International Users

Our services are intended for users within the United States. If you access our website from outside the United States, your information may be transferred to, stored, and processed in the United States, where our servers and central database are operated.

14. Do Not Track Signals

Some browsers include a "Do Not Track" feature that signals to websites that you visit that you do not want to have your online activity tracked. Our website currently does not respond to Do Not Track signals.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page with a revised effective date. Your continued use of our website after any changes constitutes acceptance of the updated Privacy Policy.

16. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles.

17. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

18. Business Address

Our primary place of business is located at 6510 South Hazelton Lane 112, Tempe, AZ 85283. All written correspondence may be directed to this address.

19. Effective Date

This Privacy Policy is effective as of May 27, 2026.