Effective Date: May 6, 2026

1. Introduction

This Privacy Policy describes how Family Shield Coverage ("we," "us," "our") collects, uses, shares, and protects information when you visit our website, submit information through our forms, or otherwise interact with our services.

By using this website and submitting information, you acknowledge that you have read, understood, and agree to the terms of this Privacy

Policy.

If you do not agree with this Privacy Policy, please do not use our website or submit your information.

2. Who We Are

Family Shield Coverage is a lead generation and consumer-matching service.

We connect consumers seeking final expense, life insurance, and related coverage information with licensed insurance agents and partners who can provide quotes, information, and policy options.

We are not a licensed insurance company, broker, or agent.

We do not sell insurance policies. We do not provide insurance advice. We do not make underwriting decisions. We connect interested consumers with third-party licensed professionals.

3. Information We Collect

Personal Information

When you complete a form on our website, we may collect:

Full name

Phone number

Email address (if provided)

State of residence

Age range

Self-reported information about current insurance coverage

Self-reported information about your interest in obtaining coverage

Self-reported information about preferred payment method

Other quiz responses you provide voluntarily

Automatically Collected Information

When you visit our website, we may automatically collect:

IP address

Device type, operating system, and browser type

Pages visited and time spent on each page

Click behavior, scroll behavior, and interaction patterns

Referring website

Approximate geographic location (based on IP address)

Date and time of access

This information is collected using cookies, pixels, session recording technologies, and analytics tools.

4. How We Use Your Information

We use the information we collect to:

Connect you with licensed insurance agents and partners related to final expense, life insurance, and related coverage products

Respond to your inquiries

Verify the information you submit

Improve our website, services, and user experience

Analyze traffic patterns and optimize marketing campaigns

Detect and prevent fraud, abuse, or unauthorized activity

Comply with legal obligations and respond to lawful requests

Enforce our Terms of Use

5. TCPA Consent and Communications

Express Written Consent

By submitting your information through our forms and clicking the consent checkbox or submission button, you provide your express written consent to be contacted by Family Shield Coverage and licensed insurance agents and partners at the phone number and email address you provide.

You expressly consent to receive:

Automated telephone calls, including those made using an automatic telephone dialing system (ATDS)

Prerecorded or artificial voice messages

SMS and text messages, which may be sent using automated technology

Emails related to your inquiry

These communications will be regarding final expense insurance, life insurance, related coverage products, and your inquiry.

Consent Is Not a Condition of Purchase

You understand and acknowledge that providing this consent is not required to purchase any goods or services. You may decline to provide consent and still seek information through alternative means.

Message Frequency and Costs

Message and data rates may apply. Message frequency varies. You may receive multiple messages depending on the status of your inquiry and the practices of the licensed agents we connect you with.

Revoking Consent

You may revoke your consent at any time by:

Replying "STOP" to any text message you receive from us

Replying "UNSUBSCRIBE" to any email you receive from us

Contacting us directly at [email protected]

Asking any agent who contacts you to remove your information

We will process opt-out requests within ten (10) business days. Note that revoking consent for marketing communications does not affect your right to receive transactional or informational communications related to existing inquiries or transactions.

Calls Made by Third-Party Agents

The licensed insurance agents and partners we connect you with operate independently. They are responsible for their own compliance with the Telephone Consumer Protection Act (TCPA), state telemarketing laws, and Do Not Call regulations. If you wish to opt out of communications from a specific agent, you must contact that agent directly.

6. Lead Generation and Third-Party Sharing

We are a lead generation service. By submitting your information, you understand and agree that:

Your information will be shared with one or more licensed insurance agents, brokers, or service providers

These third parties may contact you via phone, SMS, email, or other means regarding your inquiry

These third parties operate independently of Family Shield Coverage

These third parties have their own privacy policies, terms, and practices, which we do not control

We are not responsible for the actions, services, communications, or omissions of these third parties

We may share your information with multiple licensed agents to help you receive competitive quotes and options.

7. Tracking Technologies and Analytics

Meta Pixel (Facebook Pixel)

We use Meta Pixel to:

Track user interactions on our website

Measure the performance of our advertising campaigns

Deliver relevant ads to you across the Meta platforms (Facebook, Instagram, etc.)

Build audiences for advertising purposes

Meta may collect or receive information from this website and use it in accordance with Meta's Privacy Policy.

Microsoft Clarity and Microsoft Advertising

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products and services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products and services and online activity. Additionally, we use this information for site optimization, fraud and security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

Google Analytics

We may use Google Analytics to understand site traffic and user behavior. Google Analytics uses cookies and similar technologies. You can learn more at Google's Privacy Policy.

Other Tracking Technologies

We may use additional analytics, conversion tracking, and advertising tools as our business evolves. We will update this Privacy Policy when material changes occur.

8. Cookies and Similar Technologies

We use cookies, pixels, web beacons, local storage, and similar technologies to:

Enhance your user experience

Remember your preferences

Track performance and analytics

Support advertising and remarketing efforts

Detect and prevent fraud

You can disable or delete cookies through your browser settings. However, doing so may affect the functionality of our website.

9. Data Retention

We retain your information for as long as necessary to:

Fulfill the purposes outlined in this Privacy Policy

Comply with legal, regulatory, and accounting obligations

Resolve disputes

Enforce our agreements

Specifically, we retain consent records (including timestamp, IP address, the form submitted, and the disclosure language presented to you) for a minimum of four (4) years following your last interaction with us, consistent with the statute of limitations for TCPA claims.

10. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.

However, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee absolute security of your information.

You acknowledge that you provide your information at your own risk.

11. Your Rights

Depending on your state of residence, you may have the right to:

Access the personal information we hold about you

Correct inaccurate information

Delete your personal information (subject to certain exceptions)

Opt out of the sale or sharing of your personal information

Limit the use of sensitive personal information

Receive a copy of your information in a portable format

Not be discriminated against for exercising your rights

California Residents (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). To exercise your rights, contact us at [email protected].

Other States

Residents of Virginia, Colorado, Connecticut, Utah, Texas, and other states with comprehensive privacy laws may have similar rights.

Contact us to exercise these rights.

How to Exercise Your Rights

To make a request, contact us at:

Email: [email protected]

We will respond to verifiable requests within the timeframes required by applicable law.

12. Children's Privacy

Our website and services are intended for adults aged 18 and older. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a child, please contact us immediately at [email protected] so we can delete it.

13. Do Not Track Signals

Some browsers offer a "Do Not Track" (DNT) signal. Because there is no industry standard for responding to DNT signals, we currently do not respond to them. We will continue to monitor industry developments.

14. Third-Party Links

Our website may contain links to third-party websites, products, or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

15. International Users

Our services are intended for users located in the United States. If you access our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

16. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Effective Date" at the top of this Policy. We encourage you to review this Privacy Policy periodically.

Your continued use of our website after changes are posted constitutes your acceptance of the updated Privacy Policy.

17. Contact Information

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

Family Shield Coverage

Urbanización Parques del Río, Km 1 Vía Samborondón

Email: [email protected]

Phone: (412) 492-3508