Privacy Policy

Ironclad Financial LLC ("Ironclad Financial," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what information we collect when you visit ironcladfinancialservices.com (the "Site") or interact with our services, how we use that information, and the choices you have about it.

1. Information We Collect

We collect personal information in two ways: information you provide to us directly, and information that is collected automatically when you use the Site.

Information you provide to us

When you submit our quote request form or otherwise contact us, you provide information such as:

• Your full name
• Email address
• Telephone number
• State of residence
• Date of birth
• Any additional information you choose to share during a call or follow-up communication, including health and financial information necessary to qualify you for an insurance product

Information collected automatically

When you visit the Site, we and our service providers automatically collect certain information about your device and your interactions with the Site, including:

• IP address and approximate location
• Browser type, operating system, and device identifiers
• Pages viewed, time spent on pages, referring URLs, and links clicked
• Cookies, pixels, and similar tracking technologies (see Section 5)

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide our services: to respond to your quote request, prepare insurance quotes, contact you by phone, text, or email about coverage options, and assist you through the application and underwriting process.
• To communicate with you: to respond to inquiries, send appointment reminders, and follow up regarding coverage you have expressed interest in.
• To comply with the law: to satisfy our legal, regulatory, and licensing obligations as a licensed insurance agency.
• To improve our services: to understand how visitors use the Site and improve our marketing, content, and user experience.
• To prevent fraud and abuse: to detect and prevent fraudulent, malicious, or unauthorized activity.

3. How We Share Your Information

We do not sell your personal information to third parties. We share information only in the limited circumstances described below:

• Insurance carriers: When you decide to apply for a policy, we share the information necessary for the carrier to evaluate your application and issue coverage.
• Service providers: We use third-party vendors to operate our business, including our customer relationship management platform (Ringy), email and SMS providers, hosting providers, and analytics services. These providers are authorized to use your information only as needed to provide their services to us.
• Legal and regulatory requirements: We may disclose information if required by law, court order, subpoena, or to protect our legal rights or the safety of others.
• Business transfers: If Ironclad Financial is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. How We Use SMS and Phone Calls

If you check the consent box on our quote request form, you authorize Ironclad Financial and its licensed agents to contact you at the phone number you provided by phone, prerecorded message, SMS text message, and automated dialing technology. Consent is not a condition of purchase. Message and data rates may apply. You can opt out of text messages at any time by replying STOP. You can opt out of calls by asking to be removed from our internal Do Not Call list during any call, or by contacting us directly. See our TCPA Consent page for more detail.

5. Cookies, Pixels, and Tracking Technologies

Our Site uses cookies and similar technologies to operate properly and to measure the performance of our marketing. Specifically:

• Meta Pixel: We use the Meta (Facebook) Pixel to measure the effectiveness of our advertising on Facebook and Instagram. The Meta Pixel collects information about your interactions with our Site (such as page views and form submissions) and sends that information to Meta, which may use it to measure ad performance, build audiences, and optimize ad delivery. You can learn more about Meta's data practices and your choices at facebook.com/privacy/policy.
• Meta Conversions API: In addition to the browser-based Pixel, we use Meta's Conversions API to send conversion events (such as form submissions) directly from our servers to Meta. This information helps Meta measure the performance of our ads even when browser-based tracking is limited.
• Essential cookies: Some cookies are necessary for the Site to function, such as session and security cookies.
• Analytics cookies: We may use analytics providers to understand how visitors use the Site.

You can manage cookies through your browser settings. Blocking certain cookies may affect Site functionality.

6. Your Privacy Rights

Depending on where you live, you may have certain rights with respect to your personal information, including:

• The right to know what personal information we have collected about you
• The right to request a copy of that information
• The right to request that we correct inaccurate information
• The right to request that we delete your personal information, subject to certain exceptions
• The right to opt out of the sale or sharing of your personal information (note: we do not sell personal information)
• The right not to be discriminated against for exercising any of these rights

To exercise these rights, contact us using the information in Section 12 below. We will respond within the timeframe required by applicable law. We may need to verify your identity before fulfilling your request.

California Residents

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with the rights described above. We do not knowingly sell or share personal information of any consumer, including California residents.

7. Data Retention

We retain personal information for as long as necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. Records related to insurance applications and TCPA consent are typically retained for at least four to five years, or longer where required by law or carrier requirements.

8. Data Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. Children's Privacy

Our Site and services are directed to adults age 18 and older. The insurance products we promote — including term life, indexed universal life (IUL), and final expense whole life — are designed for individuals between the ages of 18 and 85. We do not knowingly collect personal information from anyone under 18. If we learn that we have inadvertently collected information from a child under 18, we will delete it promptly.

10. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policies of any third-party site you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. Material changes will be communicated through a prominent notice on the Site. Your continued use of the Site after a change becomes effective constitutes your acceptance of the updated policy.

12. Contact Us