Data Privacy Policy

Background

Welcome to Eleos Life Insurance Services Incorporated ("EleosLife", "we", "us", or "our"). When you use our Site, you entrust us with your information. This Privacy Policy explains what data we collect, why we collect it, and how we use it. We encourage you to read it carefully. If you are a California resident, please see the "Privacy Information for California Residents" section for additional details.

Table of Contents
  • Definitions
  • Information We Collect
  • How We Use Your Information
  • How We Disclose Your Information
  • Your Rights and Choices
  • Retention of Your Information
  • Privacy Information for California Residents
  • Information Security
  • Children’s Privacy
  • Third-Party Practices
Definitions
  • "EleosLife", "we", "us", or "our"refers to Eleos Life Insurance Services Incorporated and its affiliates.
  • "Site" means https://www.eleoslife.com/ (or any successor URL), along with any other websites, mobile applications, or online services operated by Eleos.
  • "You" or "your" refers to the user of the Site or an individual engaging in business with us.
  • "Personal Information" means data that can identify, contact, or locate you, such as your name, email address, phone number, date of birth, address, or Social Security number. It does not include de-identified or non-personally identifiable information.
  • "De-identified Information" refers to aggregated or anonymized data that cannot be linked to an individual.
  • "Insurer" means any insurance company that underwrites life or disability insurance policies offered through Eleos.
Information We Collect

By using our Site or engaging with us, you consent to the collection and use of your Personal Information as described in this Privacy Policy. We collect information to provide, improve, and personalize our services, and we do so in the following ways:

  • Information You Provide

    We collect Personal Information when you:

    • Register for an account on the Site (e.g., name, email address)
    • Apply for life or disability insurance (e.g., date of birth, Social Security number, address, phone number, health information, employment details, financial information, beneficiary details, existing insurance coverage)
    • Communicate with us via email, phone, text, or other means
    • Interact with our social media pages (e.g., Instagram, Facebook, LinkedIn), where you may provide contact details or other information. If you are a partner, agent, or vendor, we may collect business-related information, such as your contact details (e.g., business email, address, phone number, title) and details of our business information.

    If you are a partner, agent, or vendor, we may collect business-related information, such as your contact details (e.g., business email, address, phone number, title) and details of our business relationship (e.g., agreements, support interactions).

  • Information from Third Parties

    When you apply for insurance through the Site, we may collect information from third parties to:

    • Verify your identity
    • Assist with underwriting and risk assessment
    • Determine eligibility, pricing, and policy issuance
    • Prevent fraud.

    This may include your name, address, email, phone number, date of birth, Social Security number, health history, financial data, employment details, or other relevant information from sources like credit bureaus, medical providers, or public records. If you were referred to us by another entity, we may receive your information from them to process your application.

    We may use third-party payment processors (e.g., similar to Stripe) to collect bank or credit card information for premium payments. By using our services, you authorize us and such processors to access and transmit this information, subject to their privacy policies.

  • Information from Your Activity on the Site

    We collect data about your interactions with the Site to improve our services and comply with legal requirements, including:

    • Technical data (e.g., IP address, browser type, device identifiers, operating system, visit duration, page views);
    • Responses to insurance eligibility and application questions;
    • Payment history (if you hold a policy).

    We use cookies, beacons, tags, and similar technologies to track usage, authenticate accounts, and analyze trends. Cookies help us remember your session, detect fraud, and gather statistical data (e.g., frequently visited pages). You can manage cookie preferences in your browser, though disabling them may limit Site functionality. We also partner with third parties for advertising and analytics, who may use these technologies to tailor ads based on your browsing habits or assess Site performance. Visit www.allaboutcookies.org or www.networkadvertising.org for more on opting out of tracking.

How We Use Your Information

We use your information for legitimate business purposes, including:

  • Processing your insurance applications;
  • Servicing policies issued by our partner Insurers;
  • Facilitating premium payments;
  • Communicating with you about your account or transactions;
  • Improving our Site, products, and services;
  • Developing new offerings;
  • Marketing our services (e.g., newsletters, surveys), with your consent where required;
  • Preventing fraud and ensuring Site security;
  • Complying with legal obligations.
How We Disclose Your Information

We may disclose your Personal Information in the following cases:

  • With Your Consent: To third parties when you authorize us to do so.
  • To Provide Services: To Insurers, reinsurers, service providers, or vendors (e.g., payment processors, underwriting support) as necessary to offer insurance products. We share only what is needed for these purposes. If referred by another entity, we may share information with them to fulfill our agreement and provide services.
  • For Legal Reasons: To comply with laws, regulations, subpoenas, or legal processes, or to protect our rights, property, safety, or that of our users (e.g., fraud prevention).
  • Business Transactions: In connection with a merger, sale, reorganization, or similar event, we may transfer your information to involved parties.
  • With Affiliates: To affiliated entities under common ownership, who will use it consistent with this policy.
  • De-identified Data: We may share aggregated or anonymized data at our discretion.
  • Advertising and Analytics: To partners for tailored ads or performance analysis, as described in "Information from Your Activity on the Site."

We do not sell your Personal Information for monetary gain, though certain disclosures (e.g., for advertising) may be considered a "sale" or "sharing" under specific state laws (see "Privacy Information for California Residents").

Your Rights and Choices
  • Marketing Opt-Out: Unsubscribe from promotional emails using the link in each message. You cannot opt out of service-related communications (e.g., account updates, policy notices).
  • Personal Information Rights: Depending on your state (e.g., California, Colorado), you may request:
    • Details about the categories of Personal Information we collect, sources, purposes, and third-party recipients;
    • Access to or a copy of your Personal Information;
    • Correction of inaccurate data;
    • Deletion of your Personal Information (subject to legal exceptions, e.g., for active policies).

    Submit requests to help@eleoslife.com. We’ll verify your identity (e.g., matching two data points) and respond per applicable law. You may appeal a denied request, and we’ll provide appeal instructions if applicable.

  • Advertising Opt-Out: Opt out of targeted advertising via cookies by adjusting your browser settings or emailing help@eleoslife.com. We honor legally recognized browser-based opt-out signals (e.g., Global Privacy Control) where required. Note: Generic ads may still appear.
Retention of Your Information

We retain your Personal Information as long as your account is active or as needed for business or legal purposes (e.g., policy administration, compliance). We may retain data longer if required by law or for backup purposes. Requests to delete data may be denied if they are repetitive, impractical, or risk others’ privacy. Contact help@eleoslife.com with questions about retention.

Privacy Information for California Residents

Under the California Consumer Privacy Act (CCPA), California residents have additional rights. This section applies to Personal Information subject to the CCPA.

Categories of Personal Information

We collect:

  • Identifiers: Name, address, email, phone number, Social Security number.
  • Internet/Network Activity: Browsing history, IP address, device IDs.
Purposes and Disclosures
Category
Purposes
Disclosed To (Business Purpose)
Shared/Sold (Advertising/Analytics)
Identifiers
Provide services, marketing, fraud prevention
Insurers, service providers, legal entities
Ad networks (e.g., email only)
Internet/Network Activity
Improve Site, personalize ads, analyze usage
Analytics providers, service providers, ad partners
Ad/analytics partners
  • Sensitive Information: We collect Social Security numbers, health data (for underwriting), and driver’s license numbers (if applicable). This is used only for insurance processing, not for advertising.
  • No Monetary Sales: We do not sell Personal Information for money, but ad-related disclosures may be considered a “sale” or “sharing” under CCPA.
Your CCPA Rights
  • Access: Request what we collect and share.
  • Deletion: Request deletion (exceptions apply, e.g., active policies).
  • Correction: Request fixes to inaccurate data.
  • Opt-Out: Opt out of “sales” or “sharing” for advertising at help@eleoslife.com or via browser settings.
  • Non-Discrimination: We won’t penalize you for exercising these rights.

Submit requests to help@eleoslife.com with identity verification (e.g., name, email, last four digits of payment method). Authorized agents need a notarized letter from you.

Shine the Light

We do not share Personal Information with third parties for their direct marketing under California’s Shine the Light law.

Information Security

We use reasonable safeguards to protect your data from unauthorized access, loss, or disclosure. If a breach occurs, we’ll notify affected individuals as required by law. However, no system is 100% secure, and you transmit information at your own risk.

Children’s Privacy

The Site is not intended for those under 13. We do not knowingly collect data from children under 13. If we discover such data, we’ll delete it promptly. Report concerns to help@eleoslife.com.

Third-Party Practices

The Site may link to third-party sites (e.g., Insurers, social media). We’re not responsible for their privacy practices. Review their policies separately. We may use Google Maps APIs, governed by Google’s Privacy Policy.

Contacting Us

For questions or concerns:

  • Email: help@eleoslife.com
  • Mail: Eleos Life Insurance Services Incorporated, 123 Main St, Anytown, USA 12345, Attn: Privacy
  • Phone: +1 888 998 1020
Changes

We may update this Privacy Policy, effective upon posting on the Site. Account holders will be notified via email or a Site message for material changes. Continued use after updates means you accept the revised policy.

This Policy was last updated on 15 March 2025.