Privacy policy

Assurna (“Assurna,” “we,” “our,” or “us”) is a licensed insurance brokerage operating in the United States. This Privacy Policy explains how we collect, use, share, and protect information about visitors to assurna.com and prospective or current clients of our insurance brokerage services.

This policy applies to (a) general visitors to the site, (b) people who submit a strategy-call intake or contact form, and (c) clients in the underwriting or active-policy phase of an insurance placement.

We process personal information in accordance with applicable U.S. federal and state laws, including the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), the Connecticut Data Privacy Act (CTDPA), and other state privacy laws that may apply. Depending on your state of residence, you may have rights to access, correct, delete, port, or limit the use of personal information we hold about you. See Section 9 (“State privacy rights”) for how to exercise these rights.

Insurance-licensed brokerage activity is also regulated by state departments of insurance and the National Association of Insurance Commissioners (NAIC) model privacy regulations.

We collect the following categories of information:

• Contact information, name, email, phone, mailing address, state of residence when you submit a form or schedule a call.
• Qualification information, household income band, liquid net-worth band, profession, current financial planning context. Used to evaluate whether our practice is a fit for your situation and to prepare for the strategy call.
• Underwriting information (clients only), financial statements, business records, health questionnaires, medical records (with authorization), motor-vehicle reports, and other information required by insurance carriers to underwrite a policy. This is collected only after you become an active applicant.
• Policy information (clients only), policy numbers, premium history, beneficiary designations, riders, and claims activity.
• Site usage information, IP address, device type, browser, pages viewed, referring URL, session timestamps. Collected via cookies and similar technologies. See Section 8 (“Cookies and tracking”).

We do not knowingly collect protected health information (PHI) under HIPAA from prospects. Health-related data is collected only as part of the carrier underwriting process for life-insurance applications, under written authorization, and is subject to the carrier’s privacy practices in addition to ours.

We use information to:

• Respond to inquiries, schedule strategy calls, and prepare an advisor for the conversation.
• Evaluate whether our practice is a fit for your situation and recommend appropriate structures.
• Submit applications to insurance carriers on your behalf and coordinate underwriting.
• Service active policies, annual reviews, policy changes, claims advocacy.
• Comply with state insurance laws, anti-money-laundering rules, and other regulatory obligations.
• Improve our website, content, and client experience using aggregated, de-identified analytics.

We do not use personal information for purposes unrelated to those above without your consent. We do not sell personal information for monetary consideration.

We share information only as needed to provide brokerage services and operate the practice:

• Insurance carriers, we share underwriting and policy information with the carriers we submit applications to. Each carrier has its own privacy notice and may further share information with reinsurers, the Medical Information Bureau (MIB), and the carrier’s service providers.
• Service providers, calendar booking, CRM, email, illustration software, and analytics vendors who process information on our behalf under contractual confidentiality and security obligations.
• Legal and regulatory, we may disclose information when required by law, in response to subpoenas or regulatory requests, or to protect rights, safety, or property.
• Business transfer, if Assurna is acquired or merged, information may be transferred to the successor entity, subject to the same privacy commitments.

We do not sell personal information. We do not share personal information for cross-context behavioral advertising as defined under California law. See Section 9 if you wish to formally opt out.

If you check the SMS-consent box on a contact, booking, or strategy-call form, you authorize Assurna to send you text messages relating to your inquiry, including appointment confirmations, scheduling, call reminders, follow-ups from your advisor, and messages about your account or application. Message frequency varies. Message and data rates may apply. Reply STOP at any time to unsubscribe; reply HELP for assistance. Carriers are not liable for delayed or undelivered messages.

In connection with SMS opt-in, we collect the mobile number you provide, the timestamp and source of the opt-in, and a record of the consent language shown to you. We retain this record for the period required by applicable law and our recordkeeping obligations.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Mobile opt-in data and consent are excluded from any other information-sharing described in this policy. We may share a phone number with a subcontracted communications provider (for example, our SMS delivery vendor) strictly for the purpose of delivering the messages you have consented to receive.

We use commercially reasonable administrative, technical, and physical safeguards to protect personal information, encryption in transit (TLS), encryption at rest for stored records, role-based access controls, vendor due diligence, and routine review of our security posture.

No method of transmission or storage is 100% secure. We will notify affected individuals and applicable regulators of any security incident affecting their personal information as required by law.

We retain personal information for the periods required by:

• State insurance recordkeeping laws (typically 6–10 years after a policy ends, depending on state).
• Anti-money-laundering and tax-recordkeeping rules.
• Legitimate business purposes such as fraud prevention and dispute resolution.

Strategy-call intake submissions from non-clients are retained for up to 24 months unless you request earlier deletion under Section 9.

We use a limited set of cookies and analytics tools. Strictly necessary cookies support site navigation and form submission. Performance and analytics cookies (such as Vercel Analytics and Meta Pixel where applicable) help us understand which content is useful.

You can configure your browser to refuse cookies. Doing so may affect site functionality. We honor the Global Privacy Control (GPC) signal where applicable.

Depending on your state of residence, you may have rights to know, access, correct, delete, port, opt out of sale or sharing of, and limit the use of personal information we hold about you. To exercise these rights:

• Email privacy@assurna.com with your request and the state you reside in.
• To opt out of sale or sharing under CCPA/CPRA, visit our Do Not Sell or Share My Personal Information page.

We will verify your identity before responding to a rights request to prevent unauthorized disclosure of your information. We do not discriminate against individuals who exercise their privacy rights.

Our services are intended for adults. We do not knowingly collect personal information from individuals under 18 except as part of a life-insurance application for which a parent or guardian has provided authorization.

We may update this Privacy Policy from time to time. We will post the updated version on this page and revise the “Last updated” date. Material changes will be communicated by email to active clients.

Privacy questions or rights requests: privacy@assurna.com. General contact: hello@assurna.com. Mail: Assurna, 9442 Capital of Texas Highway North, Suite 500, Austin, TX 78759.