Effective Date: 02/16/2026
Last Updated: 02/16/2026
Introduction
TermQuotesCalifornia.com (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.
This site is operated by Ryan Hearn, a licensed California insurance broker (License # 0L14758. We take your privacy seriously and want you to understand how we handle your personal information.
Important: We do NOT sell, rent, or transfer your personal information to third-party lead buyers or data brokers. Your information is used solely to provide you with term life insurance quotes and related services.
Information We Collect
Information You Provide to Us
When you use our quote request form, contact us, or interact with our services, you may provide:
- Personal Identification Information: Name, email address, phone number, date of birth, gender
- Quote Information: Desired coverage amount, term length, tobacco use, general health status
- Contact Preferences: Best time to contact you, communication preferences
- Optional Information: Any additional information you choose to provide in communications with us
Information Automatically Collected
When you visit our website, we may automatically collect:
- Device Information: IP address, browser type, operating system, device type
- Usage Data: Pages viewed, time spent on pages, links clicked, referring website
- Cookies and Tracking Technologies: See our “Cookies” section below for details
How We Use Your Information
We use the information we collect for the following purposes:
To Provide Insurance Services
- Generate term life insurance quotes based on your information
- Contact you to discuss your insurance needs and options
- Present quotes from multiple insurance carriers
- Assist with insurance applications and policy placement
- Provide customer service and support
To Improve Our Services
- Analyze website usage to improve user experience
- Understand which content and features are most valuable to visitors
- Optimize our quote process and conversion flow
- Test and improve our website performance
To Communicate With You
- Respond to your inquiries and quote requests
- Send you information about your quotes and applications
- Provide updates on your insurance application status
- Send educational content about life insurance (only if you opt in)
Legal and Compliance Purposes
- Comply with applicable laws and regulations
- Maintain records as required by insurance regulations
- Protect against fraud and unauthorized transactions
- Enforce our Terms of Use
How We Share Your Information
We do NOT sell, rent, or transfer your leads to third-party lead buyers, data brokers, or other insurance agents.
We may share your information only in the following limited circumstances:
With Insurance Carriers
When you request quotes or apply for insurance, we share your information with insurance companies to:
- Generate accurate quotes
- Process your insurance application
- Underwrite your policy
These carriers are bound by their own privacy policies and insurance regulations.
With Our Partner Platform (Ethos Life)
If you click through to our instant quote partner (Ethos Life Insurance Services, LLC), you will be directed to their platform. Any information you provide directly to Ethos is governed by their privacy policy, not ours. We receive a referral commission if you complete an application through their platform.
With Service Providers
We may share information with trusted service providers who help us operate our business:
- Web hosting providers
- Email service providers
- CRM and database management tools
- Payment processors (if applicable)
These providers are contractually obligated to keep your information confidential and use it only for the services they provide to us.
For Legal Reasons
We may disclose your information if required to do so by law or in response to:
- Valid legal processes (subpoenas, court orders)
- Requests from law enforcement or government agencies
- Protection of our rights, property, or safety
- Investigation of fraud or other illegal activities
Business Transfers
If we sell, merge, or transfer our business, your information may be transferred as part of that transaction. The new owner would be bound by this Privacy Policy unless you consent to a new policy.
Your California Privacy Rights (CCPA)
If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):
Right to Know
You have the right to request:
- What personal information we collect about you
- The categories of sources from which we collected it
- Our business purpose for collecting it
- The categories of third parties with whom we share it
- Specific pieces of personal information we hold about you
Right to Delete
You have the right to request deletion of your personal information, subject to certain exceptions (e.g., legal obligations, ongoing insurance applications).
Right to Opt-Out of Sale
We do NOT sell your personal information. Therefore, there is nothing to opt out of in this regard.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights.
Data Security
We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Secure SSL encryption for data transmission
- Password-protected access to databases and systems
- Regular security assessments and updates
- Limited access to personal information (only authorized personnel)
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Data Retention
We retain your personal information for as long as necessary to:
- Provide you with quotes and insurance services
- Comply with legal and regulatory requirements (typically 3-7 years for insurance records)
- Resolve disputes and enforce our agreements
If you request deletion of your information, we will delete it unless we are required to retain it for legal or regulatory purposes.
Cookies and Tracking Technologies
What Are Cookies?
Cookies are small text files placed on your device when you visit our website. They help us recognize you, remember your preferences, and analyze site usage.
Types of Cookies We Use
Essential Cookies:
- Required for the website to function properly
- Enable basic features like page navigation and secure access
- Cannot be disabled
Analytics Cookies:
- Help us understand how visitors use our site (Google Analytics)
- Track page views, session duration, and user behavior
- Used to improve website performance and user experience
Functionality Cookies:
- Remember your preferences (e.g., form fields you’ve filled out)
- Provide enhanced features and personalization
Advertising Cookies (if applicable):
- Track visits to show you relevant ads on other websites
- Measure the effectiveness of advertising campaigns
Managing Cookies
You can control cookies through your browser settings:
- Block all cookies
- Delete existing cookies
- Allow cookies only from specific websites
Note: Disabling cookies may affect website functionality and your user experience.
Do Not Track
Some browsers have “Do Not Track” signals. We do not currently respond to Do Not Track signals, but we do not track you across third-party websites.
Third-Party Links
Our website may contain links to third-party websites (e.g., insurance carrier sites, Ethos platform). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.
Email Communications
Quote-Related Emails
When you request a quote, we will send you emails related to your quote request and insurance application. These are transactional emails necessary to provide our services.
Marketing Emails (Optional)
We may occasionally send educational content about life insurance, but only if you opt in to receive such communications. You can unsubscribe at any time by:
- Clicking the “unsubscribe” link in any marketing email
- Contacting us at [email address]
- Updating your preferences in your account (if applicable)
We do NOT sell or share your email address with third-party marketers.
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 you believe we have inadvertently collected information from a minor, please contact us immediately, and we will delete it.
Changes 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. We will post the updated policy on this page with a new “Last Updated” date.
If we make material changes, we will notify you by:
- Posting a notice on our website
- Sending an email to the address you provided (if applicable)
Your continued use of our website after changes are posted constitutes acceptance of the updated policy.
Summary of Key Points
✅ We do NOT sell your information to lead buyers or third parties
✅ We use your information only to provide quotes and insurance services
✅ We share information only with insurance carriers, our Ethos partner (if you use it), and essential service providers
✅ You have rights under California law to know, delete, and control your information
✅ We protect your data with reasonable security measures
✅ You can contact us anytime with privacy questions or requests
This Privacy Policy is effective as of 02/16/2026 and governs our collection and use of your personal information.