Privacy Policy

LIFE INSURANCE SETTLEMENTS INCORPORATED

PRIVACY POLICY

Effective Date: March 11, 2026

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Introduction

Life Insurance Settlements Incorporated (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting it through our compliance with this Privacy Policy.

This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit www.lisettlements.com (the “Website”), communicate with us, submit information through forms, or consent to receive communications from us, including SMS/text messages. It also describes our practices for collecting, using, maintaining, protecting, and disclosing that information.

By accessing or using our Website, submitting your information, or opting in to receive communications from us, you agree to this Privacy Policy.

Scope of This Policy

This policy applies to information we collect:

  • On this Website
  • In email, phone, text, and other electronic communications
  • Through inquiry forms, applications, or policy submissions
  • When you interact with our advertising or third-party services that link to this policy
  • Through SMS or other mobile messaging services you consent to receive

This policy does not apply to information collected by third-party websites not controlled by us.

Children Under 13

Our Website and services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

Information We Collect

We collect several types of information from and about users of our Website.

Personal Information

Information by which you may be personally identified, including:

  • Full name
  • Mailing address
  • Email address
  • Telephone number (including mobile number)
  • Insurance policy details
  • Financial or health-related information relevant to life settlement inquiries
  • Any other information voluntarily submitted

Communication Information

  • Phone call records
  • SMS/text message records
  • Email communications
  • Customer service correspondence

Automatically Collected Information

As you navigate the Website, we may automatically collect:

  • IP address
  • Browser type
  • Device type
  • Operating system
  • Pages visited
  • Referring URLs
  • Cookies and tracking data

This information is statistical in nature but may be associated with personal information.

Cookies & Tracking Technologies

We use browser cookies, web beacons, analytics services, and advertising pixels. You may disable cookies through your browser settings; however, certain Website features may not function properly. We do not control third-party tracking technologies.

How We Use Your Information

We may use information we collect to:

  • Present our Website and services
  • Evaluate life insurance policies
  • Respond to inquiries
  • Process transactions
  • Provide account updates
  • Send administrative communications
  • Send SMS/text messages related to customer care (with express consent)
  • Improve Website performance
  • Comply with legal obligations

SMS & Mobile Messaging Policy

Types of Messages

If you provide your mobile phone number and affirmatively opt in to receive text messages from Life Insurance Settlements Incorporated, you may receive non-marketing, customer care messages including:

  • Appointment confirmations and reminders
  • Policy review updates
  • Documentation requests
  • Account notifications
  • Transaction updates

Message Frequency

Message frequency varies based on your account activity and service needs.

Consent Requirements

  • SMS consent is not a condition of purchase or to receive services.
  • Consent must be given through an affirmative action (e.g., unchecked checkbox, written authorization, or recorded verbal consent).
  • We maintain records of opt-in consent including timestamp and source.

Opt-Out

You may opt out at any time by replying STOP. You will receive one confirmation message and no further messages unless you re-enroll.

Help

Reply HELP for assistance or contact us at:

  • Website: www.lisettlements.com
  • Phone: [Insert Company Phone]
  • Email: [Insert Company Email]

Message & Data Rates

Message and data rates may apply depending on your wireless carrier plan.

No Sale of Mobile Information

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Disclosure of Information

We may disclose personal information:

  • To affiliates and subsidiaries
  • To service providers under confidentiality agreements
  • To legal or regulatory authorities
  • In connection with a merger, acquisition, or asset sale

We do not sell personal information.

Data Retention

We retain personal information only as long as necessary to fulfill business purposes described herein, comply with legal and regulatory requirements, resolve disputes, and enforce agreements. SMS consent records are retained in accordance with industry standards and federal guidelines.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information. However, no internet transmission is completely secure.

Do Not Track

Our Website does not currently respond to browser “Do Not Track” signals.

California & Other State Privacy Rights

California Residents (CCPA/CPRA)

California residents may have the right to:

  • Request disclosure of categories and specific pieces of personal information collected
  • Request deletion of personal information (subject to legal exceptions)
  • Request correction of inaccurate information
  • Opt out of the sale or sharing of personal information
  • Limit use of sensitive personal information
  • Receive equal service and pricing even if exercising privacy rights

We do not sell personal information or share mobile data for cross-context behavioral advertising. Requests may be submitted through our Website, email, or phone. We may require identity verification. Authorized agents may submit requests subject to verification.

Other State Residents

Residents of states with applicable privacy laws (including Virginia, Colorado, Texas, Florida, Connecticut, Utah, and others) may have similar rights including access, correction, deletion, data portability, opt-out of targeted advertising, and right to appeal denied requests. Requests may be submitted using the contact methods provided.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted with a revised effective date.

Contact Information

Life Insurance Settlements Incorporated

Website: www.lisettlements.com

Phone: 1 954-599-4433

Email: rob@lisettlements.com