Howe Insurance Services, Ltd. ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at https://www.howeinsuranceservices.com/ (the "Site"), contact us by phone, submit inquiries for life insurance quotes or consultations, or interact with our services as a licensed life insurance brokerage.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, phone number, email address, mailing address, date of birth, and other details you provide when requesting quotes, consultations, or information via our contact form, phone calls (740-732-5000), or other means.
• Insurance-Related Information: Details about your insurance needs (e.g., coverage preferences, health/lifestyle questions for quotes), which may include sensitive information if relevant to life insurance products.
• Automatically Collected Information: IP address, browser type, device information, pages visited, time/date of access, and referral sources collected through standard website technologies.
• Call and Communication Data: Records of phone interactions for quality, training, or compliance purposes (calls may be recorded with notice where required).

We do not knowingly collect information from children under 13.

2. How We Collect Information

• Directly from you (e.g., forms, phone/email inquiries).
• Automatically through website technologies (cookies, logs).
• From third parties (e.g., if you provide consent for quote comparisons from carriers/partners).

3. How We Use Your Information

We use your information to:

• Provide life insurance quotes, consultations, and services.
• Respond to inquiries and communicate about policies or updates.
• Comply with legal obligations (e.g., TCPA for outbound calls—we only contact those with prior express consent or existing relationships).
• Improve our website and services.
• Prevent fraud or misuse.

4. Sharing Your Information

We may share your information with:

• Insurance carriers or partners to obtain quotes or process applications (with your consent).
• Trusted service providers who help operate our Site under strict confidentiality.
• As required by law, regulation, or to protect our rights/safety.

We do not sell your personal information. We do not share it for third-party marketing without consent.

5. Cookies and Tracking Technologies

Our Site may use cookies for functionality and site improvement. You can manage preferences via browser settings.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method is 100% secure.

7. Your Rights and Choices

• Access, correct, or delete your information by contacting us.
• Opt out of communications (e.g., unsubscribe links or reply "STOP").
• For California residents (if applicable under CCPA/CPRA): Rights to know, delete, opt out of sales (we do not sell data). Submit requests to the contact below.

8. Changes to This Policy

We may update this Policy. Changes will be posted here with the new effective date.

9. Contact Us

For questions or requests:
Howe Insurance Services, Ltd.
Newark, OH 43055
Phone: 740-732-5000
Email: info@his-ltd.com