Privacy Policy

Website Data Privacy Policy

1. Data Controller

The Data Controller is the entity responsible for determining the purposes and means of processing Personal Data collected through this website.

Entity: Urban Life Insurance Agency

Website: www.urbanins.org

Locations: Operating in Missouri (MO) and Texas (TX).

Contact: Privacy Officer, info@urbanins.org, (816)313-2133.

2. Collected Personal Data

Urban Life Insurance Agency collects various categories of data to provide quotes, process applications, and improve the user experience. This data includes information you provide directly to us (Directly Collected Data) and data collected automatically (Automatically Collected Data).

A. Directly Collected Data (Provided by You)

This information is provided when you fill out forms, request quotes, or contact us.

Identifiers & Contact Info: Full Name, Address, Phone Number(s), Email Address, Date of Birth.

Financial/Commercial Data: Income bracket, budget for premiums, current insurance information, and secure payment details (collected via third-party processors for purchase/billing).

Health/Life Profile Data: Gender, Smoking status, Height, Weight, and general health inquiries necessary for underwriting a policy (e.g., medical conditions). Note: We treat this information as Protected Health Information (PHI) with the highest level of security.

Policy/Quote Data: Desired coverage amounts, type of plan requested (e.g., Term Life, PPO, Supplemental), and beneficiary information.

B. Automatically Collected Data (Via Website Usage)

This data is collected automatically as you interact with our website.

Usage Data: IP Address, Operating System, Browser type, date/time of access, pages viewed, time spent on pages, and referral website addresses.

Location Data: General geographical location based on your IP address (e.g., city and state).

Tracking Data: Information on your interaction with the website, collected through cookies, pixels, and other tracking technologies for analytics and marketing purposes.

3. Purpose of Collecting Data

We collect and process your Personal Data for the following specific and legitimate business purposes:

Insurance Quoting & Underwriting: To accurately determine your eligibility and provide an estimated premium cost for the requested policy (e.g., Life, Health, Supplemental).

Policy Application & Service: To complete, submit, and service your insurance application, issue the final policy, process payments, and manage claims (if applicable). This fulfills our contractual obligations to you.

Customer Communication: To respond to your inquiries, send policy updates, renewal notices, and provide essential customer service.

Marketing & Advertising: To send you information about new products or services, special offers, and to deliver targeted advertisements. You have the right to opt-out of marketing communications at any time.

Website Security & Improvement: To diagnose technical problems, prevent fraud, monitor security, and analyze website traffic to improve the design and functionality of www.urbanins.org.

Legal Compliance: To comply with all applicable state (Missouri, Texas) and federal laws (including HIPAA and the Gramm-Leach-Bliley Act), legal processes, regulatory requests, and audit requirements.