Privacy Policy

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 Effective Date: 10/1/2024 

At W2W ("W2W," "we," "our," or "us"), your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information in connection with our life and health insurance products, as well as our business and coaching services. By using our website, engaging with our services, or providing us with your personal information, you agree to the practices outlined in this policy. 

We may collect personal information that you provide to us directly or through your interaction with our website, services, or representatives. This information may include, but is not limited to:

• Personal Identification Information: Name, address, email address, phone number, date of birth, social security number, and other personally identifiable information.
• Financial and Health Information: Details related to your income, employment, health history, medical conditions, prescription medications, and other health-related information, as required for the provision of insurance or other services.
• Insurance Policy Information: Information related to your current insurance policies, including coverage types, beneficiaries, and policy numbers.
• Online Activity Information: IP address, browser type, device information, and cookies or other tracking technologies when you visit our website or use our online services.

We may use your personal information for the following purposes:

• Providing Services: To process insurance applications, manage insurance policies, provide business and coach services, and communicate with you about products and services that meet your needs.
• Improving Our Services: To better understand your needs and improve the products, services, and content we offer.
• Compliance and Legal Obligations: To comply with applicable laws, regulations, and industry standards, including insurance regulations and data protection laws.
• Marketing and Communications: To provide you with information about products, services, and promotions that may be of interest to you, including through newsletters, offers, and advertisements.
• Fraud Prevention and Security: To prevent fraud, protect against unauthorized access, and ensure the security of our services and your information.

We may share your personal information with third parties for the purposes outlined in this policy, including:

• Insurance Providers: To facilitate the application process, underwrite policies, and provide customer service.
• Service Providers: Companies that perform services on our behalf, such as IT support, data processing, marketing, and business services.
• Regulatory Authorities: To comply with legal or regulatory requirements, or in response to lawful requests by public authorities.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction.

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

 We are committed to protecting your personal information. We use reasonable technical, administrative, and physical safeguards to protect your data from unauthorized access, loss, misuse, or disclosure. However, no method of transmission or storage is 100% secure, so we cannot guarantee complete security of your information. 

 We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including any legal, accounting, or reporting obligations. After that period, we will securely delete or anonymize your information unless a longer retention period is required or permitted by law. 

Our website and services may contain links to third-party websites or services. This Privacy Policy does not apply to third-party websites, and we are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

We may use cookies and similar technologies to enhance your experience on our website. These technologies help us analyze how users interact with our site, provide personalized content, and improve our services.

You can manage your cookie preferences through your browser settings. However, disabling certain cookies may affect the functionality of our website and services.

If you are located outside of the United States, your personal information may be transferred and processed in the U.S. By using our services, you consent to the transfer of your information to the U.S. and other countries where data protection laws may differ from those in your jurisdiction.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Effective Date" at the top of this document. We encourage you to review this Privacy Policy periodically.

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us