Privacy Policy

Last Updated: January 2025

At Diamond-Life Group ("we," "us," or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website diamond-lifegroup.com or use our services.

By accessing or using our website and services, you agree to the terms of this Privacy Policy. If you do not agree with our practices, please do not use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including but not limited to:

  • Name, email address, phone number, and mailing address
  • Date of birth, Social Security number, and other identification information
  • Financial and health information required for insurance quotes and applications
  • Employment information and income details
  • Beneficiary information
  • Communication preferences

Automatically Collected Information

When you visit our website, we may automatically collect certain information:

  • IP address, browser type, and operating system
  • Pages viewed, time spent on pages, and navigation patterns
  • Referring website or search terms
  • Device information and mobile identifiers
  • Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

  • Insurance Services: To provide insurance quotes, process applications, underwrite policies, and manage claims
  • Communication: To respond to inquiries, provide customer support, and send service-related notifications
  • Compliance: To comply with legal obligations, regulatory requirements, and industry standards
  • Improvement: To analyze website usage, improve our services, and enhance user experience
  • Marketing: To send promotional materials and updates (with your consent, where required)
  • Security: To protect against fraud, unauthorized access, and other security threats
  • Business Operations: To maintain records, conduct research, and perform analytics

How We Share Your Information

We may share your information with the following parties:

  • Insurance Carriers: To obtain quotes, process applications, and issue policies
  • Service Providers: Third-party vendors who assist with business operations, technology services, and data processing
  • Legal Authorities: When required by law, court order, or government regulation
  • Business Transfers: In connection with a merger, acquisition, or sale of assets
  • Professional Advisors: Attorneys, accountants, and consultants who assist with our business

We do not sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption of sensitive data during transmission and storage
  • Secure servers and firewalls
  • Regular security audits and vulnerability assessments
  • Employee training on data protection and confidentiality
  • Access controls and authentication procedures
  • Regular backups and disaster recovery plans

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

Your Rights and Choices

Depending on your location and applicable laws, you may have the following rights:

  • Access: Request access to the personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information (subject to legal requirements)
  • Opt-Out: Unsubscribe from marketing communications at any time
  • Portability: Request a copy of your information in a portable format
  • Objection: Object to certain processing activities
  • Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us using the information provided below. We will respond to your request within the timeframe required by applicable law.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. Cookies are small text files stored on your device that help us:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Provide personalized content and recommendations
  • Measure the effectiveness of our marketing campaigns
  • Detect and prevent fraud

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

Third-Party Websites

Our website may contain links to third-party websites operated by our insurance carrier partners and other organizations. We are not responsible for the privacy practices or content of these external sites.

We encourage you to review the privacy policies of any third-party websites you visit. This Privacy Policy applies only to information collected through our website and services.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

If we become aware that we have collected information from a child under 18, we will take steps to delete such information from our systems.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Retention periods vary depending on:

  • The nature of the information and how it is used
  • Legal, regulatory, and contractual obligations
  • Active policy status and claims processing requirements
  • Business operational needs and record-keeping requirements
  • Dispute resolution and enforcement of agreements

When personal information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies and applicable laws.

State-Specific Privacy Rights

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

  • Right to know what personal information we collect and how it is used
  • Right to delete your personal information
  • Right to opt-out of the sale or sharing of personal information
  • Right to correct inaccurate personal information
  • Right to limit the use of sensitive personal information
  • Right to non-discrimination for exercising your privacy rights

Other State Rights

Residents of Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws may have similar rights. Please contact us to learn more about your specific state rights.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

  • Update the "Last Updated" date at the top of this policy
  • Notify you via email or prominent notice on our website
  • Obtain your consent where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Company

Diamond-Life Group

We will respond to your inquiry within a reasonable timeframe, typically within 30 days of receipt.

By using our website and services, you acknowledge that you have read, understood, and agree to this Privacy Policy.