Privacy Policy

Last Updated: January 04, 2026

This Privacy Policy describes how Jonathan Stewart (the "Agent," "we," "us," or "our"), an independent licensed life insurance professional, collects, uses, discloses, and protects your personal information when you visit our website (the "Site"), submit inquiries, request quotes, or otherwise interact with us online or offline in connection with life insurance services. We are committed to protecting your privacy and handling your personal information responsibly. As an independent insurance broker, we work with multiple insurance carriers to provide you with options, and we comply with applicable laws, including the Gramm-Leach-Bliley Act (GLBA) and state insurance privacy regulations.

Information We Collect

We collect the following types of information:

Information You Provide Directly

  • Contact details (name, email address, phone number, mailing address).

  • Personal details needed for life insurance quotes or applications (date of birth, gender, marital status, occupation, health information, family details, financial information such as income or assets).

  • Any other information you voluntarily provide when requesting a quote, scheduling a consultation, or communicating with us.

Information Collected Automatically

  • Device and browser information (IP address, browser type, operating system).

  • Usage data (pages visited, time spent on the Site, referring links).

  • Cookies and similar technologies: We may use cookies, web beacons, or analytics tools to improve Site functionality and user experience. You can manage cookie preferences through your browser settings.

Information from Third Parties

  • Information from insurance carriers, credit reporting agencies, or public records as necessary for underwriting or quoting purposes (with your consent where required).

We do not knowingly collect information from children under 13 years of age.

How We Use Your Information

We use your information to:

  • Provide life insurance quotes, compare options from multiple carriers, and assist with applications.

  • Communicate with you about your requests, needs, or policies.

  • Comply with legal and regulatory requirements.

  • Improve our services and Site.

  • Prevent fraud and enhance security.

Sensitive information (such as health or financial details) is used solely for insurance-related purposes and handled with heightened care.

How We Share Your Information

We do not sell your personal information.

We may share your information with:

  • Insurance Carriers: To obtain quotes, underwrite policies, or process applications (only the carriers you authorize).

  • Service Providers: Third-party vendors who assist us (e.g., website hosting, email services, analytics), bound by confidentiality agreements.

  • Affiliates or Partners: If applicable for joint services.

  • As Required by Law: To comply with legal processes, regulators, or to protect rights and safety.

Sharing with non-affiliated third parties for marketing purposes requires your consent or an opportunity to opt out, in accordance with GLBA. Under GLBA, you have the right to limit certain sharing of your nonpublic personal information. Contact us to exercise any opt-out rights.

Security of Your Information

We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure.

Your Choices and Rights

  • Access and Correction: You may request access to or correction of your information.

  • Opt-Out: Opt out of certain sharing or marketing communications.

  • Cookies: Manage via browser settings.

  • Contact us for any requests (details below).

Certain state laws may provide additional rights (e.g., for Texas residents).

Third-Party Links

Our Site may contain links to third-party websites (e.g., insurance carriers). We are not responsible for their privacy practices.

Changes to This Policy

We may update this Policy periodically. Changes will be posted here with the updated date. Continued use of the Site constitutes acceptance.

Contact Us

If you have questions about this Privacy Policy or our practices, please contact:

Jonathan Stewart
Texas Life Insurance License Number: 3437269
National Producer Number: 22081405
Email: jon@palmatumgroup.com