Privacy Policy
Effective Date: [12/29/2025]
Golden Ratio Insurance Group (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard personal information through our website and services, including life-insurance inquiries and agent lead distribution.
Information We Collect
We may collect personal information from individuals seeking insurance quotes, including name, phone number, email address, location, and other details voluntarily submitted through our forms. For licensed insurance agents purchasing lead packages, we may collect business contact information, payment details, and account-related data necessary to process transactions and deliver services.
How We Use Information
Information collected from consumers is used to provide insurance quotes, policy information, and follow-up communication with licensed agents. Information collected from agents is used to process orders, deliver lead packages, provide scripts or resources, and communicate regarding services. We do not sell consumer personal information to third parties for unrelated marketing purposes.
Lead Distribution & Professional Use
Lead packages offered through Golden Ratio Insurance Group are intended for licensed insurance professionals only. Leads are generated from prior consumer inquiries and distributed exclusively to purchasing agents. We do not resell leads that have been sold to an agent.
Data Protection
We implement reasonable administrative and technical safeguards to protect personal information. While no system is completely secure, we take appropriate steps to prevent unauthorized access, disclosure, or misuse of data.
Third-Party Services
We may use trusted third-party providers (such as payment processors and communication tools) to support our operations. These providers are required to handle information responsibly and in accordance with applicable laws.
Your Choices
You may request to update, correct, or remove your personal information by contacting us directly. Consumers may opt out of communications at any time. Agents may request account or transaction information related to their purchases.
Policy Updates
This Privacy Policy may be updated periodically. Any changes will be posted on this page with an updated effective date.