Privacy Policy

1. Introduction

Asurgo ("we," "our," or "the Company") is an independent, licensed life insurance brokerage. This Privacy Policy describes how we collect, use, and protect your personal information when you visit our website at asurgo.com, respond to our advertisements, or use our services.

By using our website or providing your personal information to us, you agree to the practices described in this policy. If you do not agree with this policy, please do not use our website or provide us with your personal information.

2. Information We Collect

Information You Provide

When you request a quote, fill out a contact form, or speak with one of our licensed specialists, we may collect:

• First and last name
• Phone number
• Email address
• State of residence
• Age or date of birth
• General health information (as needed for insurance quoting)
• Coverage preferences and insurance needs

Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including:

• IP address and approximate geographic location
• Browser type and version
• Device type (desktop, mobile, tablet)
• Pages visited and time spent on each page
• Referring website or source
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance quotes and services. We use your personal information to compare rates from our carrier partners and present you with coverage options tailored to your needs.
• To communicate with you. We may contact you by phone, email, or text message regarding your quote request, policy information, or follow-up on your inquiry.
• To improve our website. We use usage data to understand how visitors interact with our site and to improve the user experience.
• To comply with legal obligations. We may use your information as necessary to comply with applicable laws, regulations, and licensing requirements.

4. Information Sharing

We do not sell your personal information. We will not share your information with third parties for their own marketing purposes.

We may share your information in the following limited circumstances:

• Insurance carriers. When you request a quote or apply for coverage, we share relevant information with our carrier partners to obtain rates and process applications on your behalf. This is necessary to provide our core service.
• Service providers. We work with trusted service providers who help us operate our business (such as our CRM platform and website hosting). These providers are contractually required to protect your information and use it only for the services they provide to us.
• Legal requirements. We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Text Messaging and Mobile Information

If you opt in to receive text messages from Asurgo, your mobile phone number and opt-in consent will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data is used solely for the purpose of communicating with you about your insurance inquiry.

5. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes described in this policy. This includes retaining information to:

• Service your insurance policy or inquiry
• Comply with legal and regulatory obligations
• Resolve disputes and enforce our agreements

When your information is no longer needed for these purposes, we securely delete or anonymize it.

6. Data Security

We take the security of your personal information seriously. We use commercially reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Your Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• Right to access. You may request a copy of the personal information we hold about you.
• Right to correction. You may request that we correct inaccurate or incomplete information.
• Right to deletion. You may request that we delete your personal information, subject to certain legal exceptions.
• Right to opt out. You may opt out of receiving marketing communications from us at any time by contacting us or using the unsubscribe mechanism in our communications.

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within the timeframe required by applicable law.

8. Third-Party Links

Our website may contain links to websites operated by third parties. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policy of any website you visit before providing personal information.

9. Changes to This 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 changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

Asurgo is an independent insurance brokerage. We are not affiliated with or endorsed by any single insurance carrier or government agency. Participating sales agencies represent various insurance companies.