Privacy Policy

RS Fund Management, operating as TermInsurance ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, including our website, SMS communications, and related applications.

Information We Collect

Personal Information

We collect information you provide directly to us, including:

• Identity Information: Name, date of birth, gender, Social Security Number (if required for application)
• Contact Information: Phone number, email address, mailing address
• Health Information: Medical history, height, weight, tobacco use, and other health-related information necessary for insurance underwriting
• Financial Information: Annual income, employment status, and other financial details
• Beneficiary Information: Names and relationships of designated beneficiaries
• Government ID: Driver's license or passport images for identity verification

Automatically Collected Information

When you access our services, we may automatically collect:

• Device and browser information
• IP address and general location
• Usage data and interaction with our services

How We Use Your Information

We use the information we collect to:

• Process your life insurance quote requests and applications
• Verify your identity
• Communicate with you via SMS, email, or phone
• Connect you with insurance carriers and agents
• Comply with legal and regulatory requirements
• Improve our services and user experience
• Prevent fraud and ensure security

Information Sharing

We may share your information with:

Insurance Carriers

With your consent, we share your information with our insurance carrier partners for the purpose of obtaining quotes and processing applications. Our current partners include: Northwestern Mutual, Progressive, Aflac, Penn Life, MetLife, and Prudential.

Service Providers

We may share information with third-party service providers who perform services on our behalf, including:

• SMS and communication providers (Twilio)
• Cloud hosting services (Google Cloud)
• Identity verification services
• Payment processors

Legal Requirements

We may disclose information when required by law, regulation, or legal process, or to protect the rights, property, or safety of our company, users, or others.

Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL/TLS encryption for data in transit
• AES-256 encryption for sensitive data at rest
• Secure token-based access for forms and documents
• Regular security assessments and monitoring

Your Rights and Choices

Access and Correction

You have the right to access and correct your personal information. Contact us to request a copy of your data or to make corrections.

Deletion

You may request deletion of your personal information, subject to legal retention requirements. Some information may be retained for compliance purposes.

Opt-Out of Communications

You may opt out of SMS communications at any time by replying STOP to any message. You may also contact us to update your communication preferences.

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising your rights

We do not sell your personal information as defined under CCPA/CPRA.

Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Typically:

• Quote requests: 2 years from last activity
• Completed applications: 7 years (insurance regulatory requirement)
• Communications: 3 years

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date.

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