Privacy Policy

A legal disclaimer

Couch Life & Financial is an independent insurance agency providing life insurance, retirement, and financial services. We do not provide legal, tax, or investment advice. The information provided on our website, social media, and marketing materials is for informational purposes only and should not be construed as financial, legal, or tax advice. Clients should consult with a qualified professional for specific guidance regarding their individual situation.

Insurance products and services are subject to underwriting approval and may not be available in all states. Coverage options, policy terms, and conditions vary by provider. Guarantees are based on the claims-paying ability of the issuing insurance company.

Couch Life & Financial is not affiliated with or endorsed by any government agency, including Medicare, Social Security, or the IRS. Any references to these programs are for informational purposes only.

By using our services, you acknowledge that you understand and agree to the terms outlined in this disclaimer.

Privacy Policy

Effective Date: 10/03/2024

Couch Life & Financial ("Company," "we," "our," or "us") is committed to protecting the privacy of our customers and website visitors. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information.

1. Information We Collect

We may collect the following types of personal and non-personal information:

Personal Information (provided voluntarily):
- Name, address, phone number, email address
- Date of birth, Social Security number
- Insurance policy details and financial information
- Health-related information (if required for insurance applications)
Automatically Collected Information:
- IP address, device type, browser type
- Website usage data (via cookies and tracking technologies)

2. How We Use Your Information

We use your information for the following purposes:

To provide and manage insurance products and services
To process applications and claims
To comply with legal and regulatory requirements
To communicate with you regarding policy updates, promotions, and other relevant information
To improve our website, services, and customer experience

3. Sharing of Information

We do not sell or rent your personal information. However, we may share it under the following circumstances:

With insurance carriers, underwriters, or business partners to process applications and provide coverage
With third-party service providers that assist in business operations (e.g., IT services, marketing, payment processing)
To comply with legal requirements such as subpoenas, fraud prevention, or regulatory obligations
With your consent when necessary for specific services or offers

4. Data Security

We implement industry-standard security measures to protect your personal information. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

5. Your Rights & Choices

Depending on applicable laws, you may have the right to:

Request access to the personal data we hold about you
Request corrections or updates to your information
Opt out of marketing communications at any time
Request deletion of certain data (subject to regulatory requirements)

To exercise these rights, contact us at:
info@couchlifeandfinancial.com | (616) 226-5125

6. Cookies & Tracking Technologies

We use cookies and similar technologies to improve user experience, track website performance, and analyze visitor trends. You can control cookie settings through your browser preferences.

7. Changes to This Privacy Policy

We reserve the right to update this policy as needed. Any changes will be posted on our website with the updated effective date. Your continued use of our services constitutes acceptance of any modifications.

8. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at:

Couch Life & Financial
info@couchlifeandfinancial.com
(616) 226-5125
www.couchlifeandfinancial.com