Privacy Policy

Effective Date: 04/02/2025 · Last Updated: 03/16/2026

My Financial Life, including myflmyfl.com and our affiliated sub-sites, microsites, landing pages, and service pages for Medicare, life & health insurance, annuities, financial education, and related services (collectively, the “Site”), respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit our Site, contact us, submit forms, request quotes or consultations, enroll in events, or otherwise interact with us online.

For purposes of this Privacy Policy, “MYFL,” “we,” “our,” and “us” means My Financial Life and the MYFL-owned or MYFL-operated websites and sub-sites that link to this Privacy Policy.

1. Scope

Applies to personal information collected through myflmyfl.com, MYFL sub-sites and landing pages, forms and consultation/quote requests, communications originating from the Site, and cookies/analytics tools used on the Site. Does not apply to information collected offline (except where referenced) or to third-party sites, carriers, agencies, or platforms linked from the Site.

2. Information We Collect

Identifiers and contact info (name, email, phone, address, IP, online identifiers); demographic/profile info (DOB, gender, marital status, household, veteran/disability status if voluntarily provided, language, state); insurance and financial planning inquiry info (product interests, coverage goals, quote/consultation submissions); health-related info voluntarily submitted (prescriptions, physicians, health history relevant to suitability); commercial info (services requested, consultations booked, marketing preferences); internet/network activity (browser, device, pages viewed, geolocation from IP, cookies); communications and recordings (messages, form submissions, chat, call recordings where permitted); sensitive personal information collected only as reasonably necessary (government ID, financial account info, health info, login credentials).

3. Sources of Information

Directly from you; automatically via browser/device; from service providers supporting the Site; from carriers, agencies, FMOs, or enrollment platforms when needed to respond to your request; from lead/marketing/referral partners where permitted; from public sources or data providers where lawful.

4. How We Use Personal Information

To provide requested info/quotes/consultations; evaluate interest in Medicare, life & health, annuity, and related products; connect you with a licensed agent/carrier/partner; communicate per your preferences and applicable law; schedule appointments and webinars; operate/secure/improve the Site; personalize content; analyze traffic and lead quality; verify identity and prevent fraud; comply with legal/regulatory/licensing obligations. We do not use sensitive personal information to infer characteristics beyond what’s reasonably necessary to provide requested services.

5. Cookies, Analytics, and Similar Technologies

Used to keep the Site functioning, remember preferences, understand usage, measure campaigns, and support advertising/remarketing if enabled. Manageable via browser settings and, where available, cookie consent tools; Global Privacy Control (GPC) signals processed as required by law.

6. Text Messages, Calls, and Email Communications

By submitting a form or requesting contact, you may be contacted regarding your inquiry, services, appointments, and marketing. Consent to marketing calls/texts is not a condition of purchase. Opt out of marketing emails via unsubscribe link, marketing texts by replying STOP. Transactional/service communications may still be sent.

7. When We Disclose Information

To MYFL employees/agents/affiliates; licensed agents, brokers, or advisors involved in your request; insurance carriers, underwriting partners, enrollment platforms, or administrators; IT/hosting/CRM/scheduling/marketing/analytics/security vendors; legal/regulatory/compliance professionals; government agencies/regulators/law enforcement when required; parties involved in a merger, acquisition, or asset sale. We do not sell personal information for money, and do not knowingly sell or share personal information of consumers under 16.

8. California Privacy Rights

California residents may have rights to know, access, delete, and correct personal information; opt out of sale/sharing; limit use of sensitive personal information; and not receive discriminatory treatment for exercising these rights. Contact us using the information below to exercise these rights (identity verification may be required); authorized agents may submit requests subject to verification. We honor Global Privacy Control signals where required by law.

9. Categories of Personal Information Collected, Disclosed, and Retained

Identifiers, customer records info, protected classification info (if voluntarily provided), commercial info, internet/network activity, geolocation from IP, audio/communications data, professional/employment info where relevant, education info where relevant, sensitive personal info where voluntarily provided and reasonably necessary. Disclosed for business purposes to service providers, contractors, affiliates, licensed agents, carriers, compliance providers, and technology vendors. Retained as long as reasonably necessary for the purposes described, based on the nature of the information and legal requirements.

10. GLBA and Insurance-Related Privacy

Some information may be subject to the Gramm-Leach-Bliley Act or related financial privacy rules; MYFL or the applicable carrier/agency/institution may provide a separate financial privacy notice where required.

11. HIPAA and Health Information

MYFL is not a healthcare provider, health plan, or clearinghouse solely by operating this Site; information submitted is often not subject to HIPAA, though separate protections may apply for specific services. Avoid sending medical records, SSNs, or account numbers via web forms/email unless through an approved secure process.

12. Medicare-Related Services

Information may be used to respond to Medicare-related requests, discuss plan options, facilitate enrollment communications, or connect you with a licensed representative or plan partner as permitted by law.

13. Third-Party Links, Tools, and Embedded Content

The Site may link to carrier sites, scheduling tools, social platforms, video providers, and enrollment platforms; MYFL is not responsible for their privacy/security practices.

14. Data Security

Administrative, technical, and physical safeguards are used, but no method of transmission or storage is completely secure, and absolute security cannot be guaranteed.

15. Children’s Privacy

The Site is not directed to children under 13; we do not knowingly collect their personal information, and will delete it if learned otherwise.

16. Your Choices

Opt out of marketing emails (unsubscribe link) or texts (reply STOP); adjust browser cookie settings; use available consent tools; submit a privacy request if entitled under applicable law.

17. Changes to This Privacy Policy

May be updated periodically; the “Last Updated” date will be revised, and material changes posted here (and communicated elsewhere where required).

18. Contact Us

To submit a privacy request, contact us at the email or phone number above.