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PRIVACY POLICY

1. Introduction
Welcome to WO Life Insurance (“Company”, “we”, “us” or “our”). This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website https://wolifeinsurance.com (the “Website”), or otherwise engage with us for life insurance services. By accessing or using the Website, you accept this Privacy Policy and consent to our collection and use of your information as described herein.

2. Scope & Applicability
This Policy applies to personal information collected through the Website, and our interactions with you through online or offline channels (e.g., forms, email, phone). It does not necessarily apply to information collected offline by other parties not under our control. If you are a resident of a state, country or region with additional privacy rights (e.g., California, EU), additional provisions may apply.

3. Information We Collect
We collect the following types of personal information:

  • Identity information: full name, date of birth, gender, social security number (or other national ID), driver’s license or state ID number.

  • Contact information: email address, phone number, mailing address.

  • Insurance-related information: policy numbers, coverage amounts, beneficiary names, medical history (when required for underwriting), lifestyle information (smoking status, health habits), employment and income details.

  • Technical & usage information: IP address, browser type, device identifiers, operating system, pages visited, time and date of access, referral/exit page, cookies and similar technologies.

  • Financial information: payment methods, bank account or card information when you pay premiums or service fees.

  • Other information: any other information you voluntarily provide (e.g., via contact form, chat, email).

We may collect information:

  • Directly from you (e.g., when you complete an application, request a quote, contact us).

  • Automatically as you navigate the Website (via cookies, web beacons, analytics).

  • From third‐party sources (e.g., credit bureaus, underwriting sources, public records, joint marketing partners) if applicable.

4. Use of Your Information
We use your personal information for the following purposes:

  • To provide you with insurance quotations, underwriting decisions, issuance and servicing of life insurance policies.

  • To respond to your inquiries, communicate with you about our services, send confirmations, reminders, updates.

  • To process payments, manage policy administration, perform audit and compliance functions.

  • To operate, secure, improve and monitor the Website and our services.

  • To perform analytics and generate insights (e.g., usage trends, risk assessment).

  • To comply with legal, regulatory or contractual obligations.

  • To send marketing communications (if you’ve opted-in), including policy offers, newsletters, product updates.

5. Disclosure of Your Information
We may share your information with:

  • Service providers, vendors, contractors who perform services on our behalf (e.g., IT providers, payment processors, analytics firms).

  • Insurance carriers, brokers, agents, reinsurers, underwriting partners, claims administrators.

  • Regulatory, tax, law‐enforcement or government authorities as required by law or in response to valid legal process.

  • Business partners with whom we jointly market products (if you’ve opted in).

  • Affiliated companies or in the event of a merger, acquisition or sale of assets (with appropriate privacy protections).

We do not sell your personal information to third parties for their direct marketing use unless you have given explicit consent or the law allows.

6. Cookies & Other Tracking Technologies
We and our third-party service providers use cookies, web beacons, pixels, local storage and similar technologies to collect usage and device information. Cookies enable us to: provide essential website functionality, analyze usage, track conversions, deliver targeted advertising (if applicable) and remember your preferences.
You may choose to disable cookies through your browser settings; however, doing so may affect your ability to use certain features of the Website.

7. Data Retention
We retain your personal information for as long as necessary to fulfil the purposes described in this Privacy Policy, subject to legal, regulatory, contractual or internal retention requirements. After the retention period ends, we will securely delete, anonymize or aggregate the data.

8. Security of Your Information
We implement reasonable technical and organizational security measures designed to protect your personal information from unauthorized access, use, alteration, disclosure or destruction. Examples include encryption, access controls, secure infrastructure, regular audits. Nevertheless, no method of transmission over the Internet or electronic storage is 100 % secure; we cannot guarantee absolute security.

9. Your Privacy Rights
Depending on your jurisdiction, you may have rights regarding your personal data, including:

  • The right to access the personal information we hold about you.

  • The right to correct or update inaccurate or incomplete information.

  • The right to request deletion of your personal information (subject to legal or contractual constraints).

  • The right to restrict or object to certain processing (e.g., marketing).

  • The right to withdraw consent at any time where we rely on consent as the legal basis.

  • The right to receive a portable copy of your data in a commonly used machine-readable format.
    To exercise these rights, please contact us as described in Section 11. We may ask for verification to process your request. We will respond in accordance with applicable law.

10. International Transfers
Your personal information may be transferred to, stored and processed in countries other than your country of residence. If such transfers occur, we will ensure appropriate safeguards are in place (e.g., standard contractual clauses, adequate security controls).

11. Contact Information
If you have any questions, concerns or requests regarding this Privacy Policy or your personal information, please contact us at:

Mailing Address: 4525 Dean Martin Drive Unit 546, Las Vegas NV 89084
Phone: (702) 543-6323

12. Changes to this Privacy Policy
We may update this Privacy Policy from time to time (for example, to reflect changes in our practices, regulatory requirements, or the services we offer). We will post the revised policy on the Website with a new “Last Updated” date and, if required by law, notify you of material changes (e.g., via email or prominent notice on the Website). Please review this page periodically.

13. Additional Disclosures (if applicable)

  • Underwriting & Medical Data: In connection with certain life insurance products, we may collect medical and health-related information that is subject to additional confidentiality protections under laws such as the HIPAA (in the U.S.) or other local regulations.

  • State Privacy Laws: Residents of certain U.S. states (such as California under the California Consumer Privacy Act / California Privacy Rights Act) may have additional rights and disclosures. If you are a resident of such a state, please contact us for details of your rights.

  • Children’s Privacy: Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13 without verifiable parental consent. If you believe we have collected such information, please contact us to request deletion.

Thank you for trusting WO Life Insurance with your personal information. We respect your privacy and are committed to safeguarding it.

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