Privacy Policy

Effective Date: May 13, 2026

Visible Financial Group LLC ("we," "us," "our," or "Company") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our websites (including visiblefinancialgroup.com, visibleiq.com, and any related subdomains), use our mobile applications, interact with our advertisements on social media platforms (including Facebook/Meta), submit lead forms, or communicate with us via phone, email, or text message (SMS/MMS).

By providing your personal information through any of these channels, you consent to the practices described in this Privacy Policy. Please read this policy carefully. If you do not agree with the terms, please do not provide your information or use our services.

1. Information We Collect

We may collect the following types of information:

Personal Information You Provide

• Full name
• Email address
• Phone number (including mobile phone number)
• Mailing address and ZIP code
• Date of birth and age
• Health-related information relevant to insurance quoting (e.g., general health status, tobacco use)
• Insurance coverage preferences and needs
• Beneficiary information
• Employment and income information (when relevant to coverage)

Information Collected Automatically

• IP address and device identifiers
• Browser type and operating system
• Pages visited and time spent on our sites
• Referring website or advertisement
• Cookies and tracking pixels (including Meta/Facebook Pixel)
• Click and form submission data from social media lead ads

Information from Third Parties

• Lead information from Facebook/Meta lead generation forms
• Data from lead aggregators or referral partners
• Insurance carrier quoting and underwriting data
• Publicly available information

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide life insurance quotes, comparisons, and recommendations
• To contact you regarding your insurance inquiry via phone, email, or text message (SMS/MMS)
• To process insurance applications and facilitate policy placement with carriers
• To send appointment reminders, policy updates, and follow-up communications
• To send informational and marketing text messages related to insurance products and services
• To improve our websites, services, and customer experience
• To comply with applicable laws, regulations, and licensing requirements
• To detect and prevent fraud or unauthorized activity
• To manage our customer relationship management (CRM) system

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies (including the Meta/Facebook Pixel and Conversions API) to:

• Measure advertising effectiveness
• Optimize our lead generation campaigns
• Remember your preferences
• Analyze site traffic and usage patterns

You can manage cookie preferences through your browser settings. Disabling cookies may impact site functionality.

5. How We Share Your Information

We may share your personal information with:

• Insurance Carriers: To obtain quotes, process applications, and service policies
• Service Providers: Including our CRM platform (GoHighLevel), communication platforms, and analytics tools that help us operate our business
• Legal Requirements: When required by law, court order, or governmental regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets

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

6. Data Security

We implement reasonable administrative, technical, and physical 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.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Lead and contact data is retained in our CRM system for the duration of our business relationship and as required by insurance regulatory requirements.

8. Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications
• Opt out of text message (SMS/MMS) communications by replying STOP

To exercise any of these rights, contact us at [email protected].

9. TCPA Compliance

Visible Financial Group LLC complies with the Telephone Consumer Protection Act (TCPA). We obtain express written consent before sending autodialed or pre-recorded telemarketing calls or text messages. Our lead forms include clear TCPA consent language. You may revoke your consent at any time by replying STOP to any text message, calling (443) 961-9393, or emailing [email protected].

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will promptly delete it.

11. 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.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: