Privacy Policy
Last updated: January 1, 2025
PlanningTheFuture.org (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information in accordance with applicable U.S. state and federal regulations, including the California Consumer Privacy Act (CCPA/CPRA), Health Insurance Portability and Accountability Act (HIPAA) where applicable, the Gramm-Leach-Bliley Act (GLBA), and NAIC Model Privacy Act.
1. Information We Collect
We collect personal information directly from you when you submit forms on our website. The types of information we collect may include:
- Full name
- Email address
- Phone number
- State of residence
- Basic health and lifestyle information (for quoting or underwriting purposes)
- IP address and device/browser data (for analytics and security)
We do not collect or store highly sensitive personal identifiers such as Social Security Numbers, driver's license numbers, or medical records on our website or servers.
2. Use of Your Information
We use the information you provide for the following purposes:
- To match you with a licensed insurance agent
- To provide you with insurance quotes or information
- To assist in the application and underwriting process with insurance carriers
- To respond to your questions or requests
- To improve our services and website performance
3. How Your Data Is Secured
All personally identifiable information (PII) submitted through our website is securely transmitted and accessible only by licensed agents who are authorized to assist with your insurance needs. Sensitive underwriting information is entered directly into secure insurance company platforms and is never stored on PlanningTheFuture.org’s servers.
4. Sharing of Information
We do not sell, rent, or trade your personal information with third-party marketers.
We may share your data only with:
- Licensed insurance agents affiliated with our platform
- Insurance companies for the purpose of quoting or submitting applications
- Service providers (e.g., appointment scheduling via Calendly or analytics tools) who are contractually bound to protect your data
5. Third-Party Tracking & Cookies
We use tools like Google Analytics, Meta Pixel (Facebook), and advertising platforms such as Google Ads, Facebook Ads, Taboola, and Outbrain. These services may collect anonymized data using cookies, pixels, and similar technologies for marketing and performance tracking.
You may manage your cookie preferences through your browser settings or opt out of tracking through tools like https://optout.aboutads.info.
6. Your Privacy Rights
If you are a California resident, you have the following rights under CCPA and CPRA:
- The right to know what personal information we collect, use, and disclose
- The right to request deletion of your personal data
- The right to opt out of the sale or sharing of personal data (we do not sell personal data)
- The right to correct inaccurate personal data
- The right to limit use of sensitive data (not applicable as we do not collect sensitive data for non-essential purposes)
To exercise your rights, you may contact us at privacy@planningthefuture.org or call 1-844-472-7702.
7. TCPA Consent for Contact
By submitting a request form on our website, you agree to receive phone calls, emails, or text messages from licensed agents, even if your phone number is on a federal or state Do-Not-Call list. This consent is not required to make a purchase and you may opt out at any time by replying “STOP” to text messages or requesting to be removed.
8. Regulatory Compliance
We comply with all relevant U.S. insurance and consumer protection laws including:
- State Departments of Insurance (under the oversight of each state’s Insurance Commissioner)
- National Association of Insurance Commissioners (NAIC) model laws and data privacy recommendations
- Federal Trade Commission (FTC) guidelines on advertising and data privacy
- Gramm-Leach-Bliley Act (GLBA) regarding consumer financial information
9. Children's Privacy
Our website is not directed to children under 13, and we do not knowingly collect data from anyone under the age of 13.
10. Updates to This Policy
We may update this Privacy Policy periodically to reflect legal or operational changes. The “Last Updated” date at the top of this page will reflect the latest version. Please check back often for updates.
11. Contact Us
If you have any questions or requests regarding your privacy, contact us at:
https://www.planningthefuture.org/contact-us/
Phone: 1-844-472-7702
This website is operated by licensed insurance agents. Information provided is not legal or tax advice.