Privacy Policy

2.1, Information Collected Automatically

When you visit our website, we automatically collect technical information using cookies, pixels, and similar tracking technologies:

• Technical Information: IP address, device type, browser type, pages visited, referral source, time and date of visit, session data

This information is used for website analytics, security, and marketing measurement only. See Section 8 for details on cookies and tracking technologies.

2.2, Information Provided During Telephone Conversations

When you call us, you may voluntarily share personal information with the licensed insurance agent you speak with, such as your name, contact information, age, health information, and coverage preferences. Information provided during a telephone conversation is handled in accordance with applicable insurance regulations and applicable privacy practices. Calls are recorded and may be monitored as described in Section 5.

2.3, Information You Submit Through the Request-Information Form

If you submit the request-information form, we collect the information you enter, which may include your first and last name, email address, telephone number, ZIP code, state, age range, the coverage amount you are interested in, and your answers about tobacco use, general health, and existing coverage.

We also record the consent disclosure you accepted, the version of that disclosure, and the date and time you accepted it. The form is a request for information only. It is not an insurance application.

Information you submit through the form is received by Greystone Insurance Group LLC and may be provided to a licensed independent insurance agent so that an agent can respond to your request. Greystone Insurance Group LLC does not control the receiving agent's or agency's separate privacy practices, data handling, or compliance.

4.1, Service Providers

We share data with third-party technology vendors who help us operate our platform, including website hosting, analytics providers, call routing systems, and call recording systems. These vendors are contractually prohibited from using your data for their own independent purposes.

4.2, Information Provided During Telephone Conversations

When you call Policy Help Desk, your call may be handled by Greystone Insurance Group LLC or a licensed independent insurance agent. Any information you voluntarily share during that telephone conversation is received by the party who handles your call. Information you submit through the request-information form is received by Greystone Insurance Group LLC and may be provided to a licensed independent insurance agent so that an agent can respond to your request.

Independent licensed insurance agents and agencies are responsible for their own licensing, carrier appointments, recommendations, quotes, applications, policy replacements, disclosures, sales practices, follow-up communications, recordkeeping, and compliance with applicable insurance laws and telemarketing requirements. Greystone does not control and is not responsible for the independent licensed insurance agent's or agency's separate privacy practices, data handling, or conduct after the call connects or after a request for information is received.

Greystone Insurance Group LLC remains responsible for its own website content, advertising, privacy practices, tracking, call routing, representations, and conduct within its control. Nothing on this website creates an employment, agency, partnership, or fiduciary relationship between Greystone Insurance Group LLC and a receiving independent licensed insurance agent or agency.

4.3, Legal Disclosures

We may disclose your information when required by law, in response to valid legal process, or to protect the rights and safety of Greystone Insurance Group LLC, our users, or the public.

9.1, California Residents (CCPA / CPRA)

If you are a California resident, you have the right under the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act (collectively, "CCPA") to know, access, delete, correct, and opt out of the sale or sharing of your personal information, and to limit our use and disclosure of sensitive personal information.

We do not sell personal information collected through this website. We may share certain technical information (such as IP addresses and device identifiers) with advertising and analytics partners for targeted advertising purposes, which may constitute a "sale" or "sharing" under the CCPA. The categories of personal information that may be sold or shared include identifiers and inferences drawn from this information.

To exercise your right to opt out of the sale or sharing of your personal information, use our Do Not Sell or Share My Personal Information page, email info@policyhelpdesk.org, or call (866) 673-3495. We honor Global Privacy Control (GPC) signals as opt-out requests.

9.2, Virginia Residents (VCDPA)

If you are a Virginia resident, you have the right under the Virginia Consumer Data Protection Act to access, correct, delete, and obtain a portable copy of your personal information, and to opt out of the processing of your personal information for targeted advertising, the sale of personal data, and profiling. To exercise these rights, contact info@policyhelpdesk.org. If we deny your request, you have the right to appeal by replying to our denial within sixty (60) days.

9.3, Colorado Residents (CPA)

If you are a Colorado resident, you have the right under the Colorado Privacy Act to access, correct, delete, and obtain a portable copy of your personal data, and to opt out of targeted advertising, the sale of personal data, and profiling that produces legal or similarly significant effects. To exercise these rights, contact info@policyhelpdesk.org. We honor universal opt-out mechanisms, including the Global Privacy Control (GPC) signal.

9.4, Connecticut Residents (CTDPA)

If you are a Connecticut resident, you have the right under the Connecticut Data Privacy Act to access, correct, delete, and obtain a portable copy of your personal data, and to opt out of targeted advertising, sale, and profiling. To exercise these rights, contact info@policyhelpdesk.org. We honor universal opt-out mechanisms, including the Global Privacy Control (GPC) signal.

9.5, Utah Residents (UCPA)

If you are a Utah resident, you have the right under the Utah Consumer Privacy Act to access, delete, and obtain a portable copy of your personal data, and to opt out of targeted advertising and the sale of personal data. To exercise these rights, contact info@policyhelpdesk.org.

9.6, Texas Residents (TDPSA)

If you are a Texas resident, you have the right under the Texas Data Privacy and Security Act to access, correct, delete, and obtain a portable copy of your personal data, and to opt out of targeted advertising, sale, and profiling. To exercise these rights, contact info@policyhelpdesk.org. We honor universal opt-out mechanisms, including the Global Privacy Control (GPC) signal. If we deny your request, you may appeal by replying to our denial within forty-five (45) days.

9.7, Florida Residents (FDBR)

If you are a Florida resident and qualify as a "consumer" under the Florida Digital Bill of Rights, you have the right to access, correct, delete, and obtain a portable copy of your personal data, and to opt out of the sale of personal data, targeted advertising, and profiling. To exercise these rights, contact info@policyhelpdesk.org.

9.8, How to Exercise Your Rights

To exercise any of the rights above, contact us at:

• Email: info@policyhelpdesk.org
• Phone: (866) 673-3495
• Mail: Greystone Insurance Group LLC, Florida
• Opt Out of Sale / Sharing: Do Not Sell or Share My Personal Information

We will respond to verifiable requests within forty-five (45) days, with one extension of up to forty-five (45) days where reasonably necessary. We may need to verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf with proper written authorization.

9.9, Global Privacy Control (GPC)

Where required by applicable law, we treat Global Privacy Control (GPC) browser signals as a valid opt-out of the sale and sharing of personal information for targeted advertising.