Privacy & Data Use Policy
Effective Date: January 1, 2024 Data Controller: Life Settlements Florida Contact Email: contact@lifesettlementflorida.com
Life Settlements Florida (“we,” “us,” or “our”) is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website or use our life settlement, viatical settlement, and policy appraisal services.
Information We Collect
We may collect the following types of information:
Personal Information You Provide:
- Name, email address, phone number, and mailing address when you submit a contact form or request a quote
- Life insurance policy details when you engage our services
- Health and medical information as required for settlement or viatical transactions
Automatically Collected Information:
- Cookies, IP address, browser type, device information
- Pages visited, time spent on pages, and other usage data
- Referring website URLs
How We Use Your Information
We process your personal data for the following purposes:
- To provide life settlement, viatical settlement, and policy appraisal services
- To respond to your inquiries and provide customer support
- To communicate with you about your policy valuation and settlement options
- To comply with Florida insurance regulations and reporting requirements
- To improve our website and services
- To send relevant information about our services (with your consent)
Legal Basis for Processing
We process your data based on:
- Consent: When you voluntarily submit information through our forms
- Contract: When processing is necessary to provide our settlement services
- Legal Obligation: When required by Florida insurance law, HIPAA, or other regulations
- Legitimate Interest: When we analyze website usage to improve our services
Data Protection and Security
We implement appropriate technical and organizational measures to protect your personal information, including:
- Encrypted data transmission (SSL/TLS)
- Secure storage systems with access controls
- HIPAA-compliant handling of health information
- Regular security assessments
Information Sharing
We may share your information with:
- Licensed institutional buyers as part of the settlement process (with your consent)
- Healthcare providers for underwriting documentation
- Regulatory authorities as required by Florida law
- Professional advisors and service providers bound by confidentiality obligations
We do not sell your personal information to third parties.
Data Retention
We retain your personal data only as long as necessary:
- Active client records: Duration of the settlement process plus 7 years
- Website analytics: 24 months
- Marketing consent records: Until consent is withdrawn
Your Rights
You have the right to:
- Access: Request a copy of the personal data we hold about you
- Correction: Request correction of inaccurate data
- Deletion: Request deletion of your data (subject to legal retention requirements)
- Portability: Request transfer of your data in a portable format
- Withdraw Consent: Withdraw previously given consent at any time
- Object: Object to processing based on legitimate interests
California and Florida Consumer Rights
If you are a Florida or California resident, you may have additional rights under the Florida Digital Bill of Rights or California Consumer Privacy Act (CCPA), including the right to know, delete, and opt out of the sale of personal information.
Cookies
Our website uses cookies to improve your experience. You can control cookie preferences through your browser settings. We use:
- Essential cookies: Required for basic site functionality
- Analytics cookies: To understand how visitors use our site
Do Not Track
This site does not currently respond to “Do Not Track” browser signals.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:
- Email: contact@lifesettlementflorida.com
- Phone: (813) 722-1837
- Address: 1180 SW 36th Ave #202, Pompano Beach, FL 33069