Privacy Policy

EQR Life ("EQR Life," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices you have regarding that information when you visit our website, contact us, request a quote, or enroll in our SMS messaging program.

1. Information We Collect

We may collect the following categories of information:

• Contact Information: Name, mailing address, email address, telephone number, and mobile phone number.
• Insurance Qualification Information: Date of birth, gender, state of residence, tobacco use, general health information, employment status, and beneficiary information, as needed to provide quotes or applications.
• Communications: Records of messages, calls, emails, voicemails, chat transcripts, and any information you voluntarily provide.
• Website Usage Information: IP address, browser type, device type, referring URL, pages viewed, and timestamps, collected through cookies and similar technologies.
• Consent Records: Date, time, method, and content of your opt-in to phone calls, text messages, and email communications.

2. How We Use Your Information

We use the information we collect to:

• Respond to your questions and requests.
• Prepare insurance quotes, applications, and policy recommendations.
• Communicate with you by phone, text message (SMS/MMS), and email about your inquiry, quote, application, policy, or appointment.
• Send service notifications, appointment reminders, policy-related updates, and customer support messages.
• Improve our website, services, and customer experience.
• Comply with legal, regulatory, and insurance carrier requirements.

3. SMS / Text Messaging Program

By providing your mobile phone number and opting in, you agree to receive text messages from EQR Life related to your insurance inquiry, quote, application, policy status, scheduled appointments, and customer support follow-ups.

• Message Frequency: Message frequency varies based on your interaction with us.
• Message and Data Rates: Standard message and data rates may apply per your mobile carrier's plan.
• Opt-Out: Reply STOP at any time to any text message to unsubscribe. You will receive a one-time confirmation that you have been unsubscribed.
• Help: Reply HELP for assistance, or contact us at (305) 331-6906 or [email protected].
• Carriers: Supported by major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

4. How We Share Information

EQR Life does not sell your personal information. We may share information only as follows:

• Insurance Carriers and Underwriters: To prepare quotes, submit applications, and service your policy.
• Service Providers: Vendors that help us operate our business (such as CRM, scheduling, email delivery, hosting, and SMS messaging platforms), bound by confidentiality and use restrictions.
• Legal and Regulatory: When required by law, subpoena, court order, or to comply with state insurance department requirements.
• Business Transfers: In the event of a merger, sale, or transfer of business assets, subject to continued protection of your information.

We do not share, sell, rent, or trade your mobile phone number, SMS consent, or text-messaging opt-in data with third parties or affiliates for marketing or promotional purposes under any circumstance.

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to recognize your browser, remember preferences, measure traffic, and improve performance. You can control cookies through your browser settings, though some site features may not function as intended if cookies are disabled.

6. Data Retention

We retain personal information for as long as necessary to provide services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Records of SMS opt-in consent are retained in accordance with applicable carrier and regulatory requirements.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, and destruction. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security.

8. Your Rights and Choices

• Email: You may unsubscribe from marketing emails by following the unsubscribe link in any email.
• Calls: You may ask to be placed on our internal do-not-call list by contacting us at (305) 331-6906 or [email protected].
• Text Messages: Reply STOP to opt out at any time.
• Access & Correction: You may request access to, correction of, or deletion of your personal information by contacting us.
• State Privacy Rights: Residents of certain states (e.g., California, Colorado, Connecticut, Utah, Virginia) may have additional rights under applicable law, including the right to know, delete, correct, or limit certain uses of personal information. Contact us to exercise these rights.

9. Children's Privacy

Our services are intended for adults age 18 and older. We do not knowingly collect personal information from children under 13. If we learn that we have collected such information, we will delete it.

10. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Material changes may also be communicated by email or other reasonable means.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or want to opt out of any communications: