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Privacy Policy

Last Updated: September 13, 2026

1. Introduction & Privacy Commitment

Alpine Fairview Group ("Alpine Fairview," "we," "our," or "us") respects your privacy and is deeply committed to protecting the confidentiality, security, and integrity of your personal and financial information. This Privacy Policy describes how we collect, use, store, disclose, and safeguard your data when you visit our website, complete our rate calculators or quiz flows, speak with our licensed advisors, or apply for Whole Life, Final Expense, or No Medical Exam life insurance coverage.

Please read this Privacy Policy carefully. By accessing or using our Services, you consent to the data collection and processing practices described herein. If you do not agree with the terms of this Privacy Policy, please discontinue use of our website immediately.

2. Information We Collect

To provide accurate rate estimates, match you with appropriate A+ rated carrier products, and process policy applications, Alpine Fairview Group collects personal data across several categories:

A. Personal Identifiers & Contact Details

  • First and last name
  • Primary email address
  • Mobile and home telephone numbers
  • Residential mailing address (city, state, ZIP code)

B. Demographic & Eligibility Information

  • Exact date of birth and current age
  • Biological sex at birth
  • State of residence and state of birth
  • US citizenship or legal residency status

C. Health & Underwriting Qualifier Information

  • Tobacco and nicotine product usage history (cigarettes, cigars, vaping, chew)
  • Basic health status indicators (height/weight, pre-existing conditions, major surgeries)
  • Desired coverage benefit amount ($5,000 to $50,000)
  • Primary insurance coverage objective (burial expenses, debt payoff, family protection)

D. Beneficiary & Policy Details (Application Stage)

  • Primary and contingent beneficiary names, dates of birth, and relationships
  • Payment frequency preferences and premium billing options

E. Technical & Device Information (Automated Collection)

  • IP address and geolocation metadata
  • Browser type, language settings, and operating system
  • Referring website URLs and clickstream analytics
  • Session duration, page views, and interaction timestamps

3. How We Collect Information

We collect personal information through direct user interactions, automated web technologies, and authorized third-party integrations:

  • Direct Submissions: Information provided when you complete our interactive quote quiz, submit contact forms, request callbacks, or speak with an agent.
  • Telephone & Tele-Telesales Conversations: Information provided during calls with our licensed insurance advisors or co-dialing sessions.
  • Automated Tracking Technologies: Cookies, web beacons, and local storage mechanisms used to optimize page loading, remember quiz progress, and measure web performance.
  • Insurance Carrier Underwriting Callbacks: Real-time status webhooks and policy issue updates received from participating insurance carrier partners.

4. How We Use Your Information

We process your personal information strictly for legitimate business purposes relating to your life insurance search and application, including:

  • Calculating custom real-time rate quotes across multiple top-rated carrier products.
  • Matching your health profile with carrier-specific underwriting criteria to identify eligible policies.
  • Assisting you in completing and submitting formal life insurance applications to chosen carriers.
  • Communicating policy status updates, underwriting requirements, and customer support responses.
  • Fulfilling legal, statutory, and state insurance department compliance obligations.
  • Detecting, preventing, and mitigating fraudulent quote submissions or cybersecurity threats.

OUR STRICT NO-SALE COMMITMENT: Alpine Fairview Group does NOT sell, rent, license, or trade your personal information or phone numbers to third-party data brokers, lead aggregators, or unauthorized telemarketers. Your information is shared strictly with licensed advisors and underwriting carrier partners directly involved in securing your requested coverage.

5. Information Sharing & Carrier Disclosure

We share personal data only with authorized third parties strictly necessary to deliver our Services and finalize your policy:

  • Licensed Insurance Carrier Partners: We transmit underwriting qualifier data and completed application forms to participating A+ rated carriers (such as Mutual of Omaha, Transamerica, Aetna, etc.) to obtain underwriting decisions and issue policies.
  • Licensed Alpine Fairview Advisors: Authorized internal agents who contact you to review quotes, answer policy questions, and submit your application.
  • Technology Infrastructure Providers: Vetted cloud hosting services, customer relationship management (CRM) systems, and secure communications tools operating under strict non-disclosure agreements.
  • Legal & Regulatory Authorities: When required by state insurance commissioners, court orders, subpoenas, or applicable federal laws to protect our legal rights or ensure statutory compliance.

6. TCPA, SMS & Marketing Preferences

When you provide your phone number on our platform, you consent under the Telephone Consumer Protection Act (TCPA) to receive communications from Alpine Fairview Group regarding your insurance inquiry.

Opt-Out & Preference Controls:

  • SMS Text Messages: You may opt out of text messages at any time by replying "STOP" to any SMS received from us.
  • Email Communications: Click the "Unsubscribe" link located at the bottom of any promotional email, or contact us directly.
  • Phone Calls: Request to be placed on our internal Do-Not-Call list by informing our advisor during a call or emailing support@alpinefairview.com.

7. Data Protection, Security & Encryption

Alpine Fairview Group employs rigorous physical, electronic, and administrative safeguards to protect your personal data against unauthorized access, loss, alteration, or misuse:

  • Encryption in Transit: All data transmitted between your browser and our servers is secured using modern TLS 1.3 encryption (SSL certificates).
  • Encryption at Rest: Sensitive database records and applicant files are encrypted at rest using industry-standard AES-256 bit encryption algorithms.
  • Role-Based Access Control: Access to personal applicant data is strictly restricted to authorized licensed personnel with verified business needs.
  • Infrastructure Security: Enterprise-grade firewalls, continuous vulnerability monitoring, and secure cloud server architecture.

8. Data Retention & Secure Disposal

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, satisfy state insurance department record retention laws, resolve disputes, and enforce legal agreements. When personal data is no longer required, it is securely sanitized or destroyed using industry-standard data wiping procedures.

9. Consumer Privacy Rights (CCPA / CPRA & State Privacy Laws)

Depending on your state of residence (including California, Texas, and other applicable jurisdictions), you may possess specific statutory rights regarding your personal information:

  • Right to Know / Access: Request details regarding the categories and specific pieces of personal data we have collected about you.
  • Right to Correction: Request that inaccurate or incomplete personal information be updated or corrected.
  • Right to Deletion: Request the deletion of your personal data, subject to statutory insurance recordkeeping exemptions.
  • Right to Non-Discrimination: We will not discriminate against you (via price changes or service denial) for exercising any of your privacy rights.

To exercise any of these rights, please contact our Privacy Team at support@alpinefairview.com or call 773-800-0116.

10. Children's Privacy Prohibition

Our Services are designed exclusively for adults seeking life insurance coverage. We do not knowingly solicit, collect, or retain personal information from individuals under 18 years of age. If we learn that we have inadvertently collected data from a minor, we will immediately delete that information from our systems.

11. Third-Party Links & External Sites

Our website may contain links to third-party carrier portals, scheduling tools, or external reference sites. Alpine Fairview Group is not responsible for the privacy practices, security controls, or content of those third-party websites. We encourage you to review the privacy policies of any external site you visit.

12. Privacy Policy Updates & Contact Details

We reserve the right to update or modify this Privacy Policy at any time to reflect operational, legal, or regulatory changes. Updates will be published on this page with a revised "Last Updated" date.

If you have questions, concerns, or requests regarding this Privacy Policy or our data protection practices, please contact us: