Privacy Policy

1. Introduction and Scope

OUR 365 Financial Solution LLC Agency ("OUR 365," "we," "our," or "us") is committed to responsible handling of personal information.

Our services may include:

• Life insurance.
• Term life and final expense insurance.
• Indexed universal life insurance.
• Health insurance and Marketplace coverage.
• Medicare-related insurance products.
• Supplemental insurance coverage.
• Annuities and retirement protection solutions.
• Insurance education and consultation.
• Independent insurance agent recruiting and support.

This policy applies to personal information collected through our website, online forms, telephone communications, email, text messaging, appointment scheduling, website chat, insurance consultations, applications, and related agency operations.

It may apply to website visitors, insurance prospects, existing clients, beneficiaries, authorized representatives, job applicants, independent agents, and business contacts.

Some information is also governed by additional federal, state, provincial, insurance-carrier, or industry-specific privacy requirements.

Where a separate legally required privacy notice applies, that notice supplements this website Privacy Policy.

2. Information We Collect

The categories of information we collect depend on your relationship with us and the services you request.

Personal and Contact Information

• Full legal name.
• Date of birth.
• Residential and mailing address.
• Email address.
• Telephone and mobile numbers.
• Preferred language.
• Preferred contact methods.
• Marital or household information when relevant.
• Dependent and beneficiary information.

Insurance Information

• Requested insurance products.
• Existing coverage details.
• Carrier and policy information.
• Eligibility and application information.
• Coverage amounts and beneficiary preferences.
• Insurance-related financial objectives.
• Application and enrollment status.
• Customer service and policy support records.

Financial Information

For products requiring financial review, we may request relevant income, assets, financial objectives, retirement plans, or other financial suitability information.

Health and Medical Information

Certain insurance applications and eligibility reviews may require information regarding health history, medications, medical conditions, or healthcare coverage.

We collect health-related information only as appropriate for the relevant services and subject to applicable requirements.

Identity Verification Information

Certain insurance transactions may require identity verification, including government identifiers or documentation where permitted or required by law.

Such information should be provided only through an appropriate, authorized, and secure collection process.

Independent Agent Information

• Professional identity and contact information.
• Insurance licenses and licensed jurisdictions.
• National Producer Number (NPN).
• Carrier appointments.
• Professional qualifications and experience.
• Recruiting and contracting records.
• Business and commission administration information.

Technical and Website Information

• IP address.
• Browser type.
• Device and operating system information.
• Website visit dates and times.
• Pages visited.
• Referral and campaign information.
• Website interactions.
• Technical performance data.

We may also receive information from insurance carriers, service providers, referral sources, or other authorized sources where permitted by law.

3. How We Use Personal Information

Personal information may be used to:

• Respond to your inquiries.
• Provide requested insurance quotes.
• Explain available insurance options.
• Assist with eligibility and enrollment.
• Process insurance applications.
• Schedule and manage appointments.
• Provide policy servicing and customer support.
• Maintain client and prospective-client records.
• Document communication preferences.
• Manage independent agent recruiting.
• Support authorized agent contracting.
• Maintain appropriate insurance records.
• Improve our website and service operations.
• Maintain information security.
• Detect and prevent fraud.
• Meet legal and regulatory obligations.
• Send communications permitted by law and consent.

We seek to use information for purposes reasonably related to the reason it was collected and for other purposes authorized by applicable law.

4. Website Forms and Online Submissions

Our website may offer forms for contacting our agency, requesting insurance information, requesting quotes, arranging consultations, registering for events, or applying for independent insurance agent opportunities.

Forms may request:

• Name and contact information.
• Insurance product interest.
• Preferred appointment date and time.
• Preferred office or meeting format.
• State or province.
• General coverage needs.
• Questions or additional comments.

Specialized insurance forms may request additional information necessary for quoting, eligibility, application, or enrollment purposes.

We may use authorized form-processing, scheduling, communications, and customer-management providers to process submissions.

Submitting a general contact form authorizes us to respond to your inquiry through legally permitted channels. It does not automatically constitute consent to receive all types of marketing communications.

Where required, marketing text and email consent are requested separately. You may submit a general inquiry without agreeing to optional marketing messages.

Submitting an inquiry or quote request does not establish an insurance policy, create coverage, or guarantee acceptance by an insurer.

Please do not enter Social Security numbers, payment credentials, or detailed medical information into general contact forms unless we provide an appropriate secure method for the specific transaction.

5. Mobile Information, SMS Messaging, and Consent

OUR 365 may communicate through SMS or other text messaging services when permitted by applicable law.

Text messages may concern:

• Responses to your insurance inquiries.
• Requested insurance quotes.
• Appointment confirmations.
• Appointment reminders.
• Requested follow-up communications.
• Application or service updates.
• Customer assistance.
• Promotional offers where proper consent exists.

Required Mobile Privacy Disclosure

Marketing Text Message Consent

Where required, we request affirmative, express consent before sending marketing or promotional text messages.

Consent to receive marketing texts is not required as a condition of purchasing any insurance product or service.

A general contact form submission does not by itself establish the separate consent required for regulated marketing text messages.

SMS Program Terms

• Sender: OUR 365 Financial Solution LLC Agency.
• Message frequency: Varies according to your request, interaction, or authorized messaging program.
• Charges: Message and data rates may apply.
• Opt-out: Reply STOP to stop receiving texts.
• Assistance: Reply HELP for assistance.
• Consent: Marketing consent is not a condition of purchase.

You may also contact us at (844) 687-3653 or info@our365financialsolution.net to request assistance with messaging preferences.

We maintain and honor applicable opt-out and consent-withdrawal records in accordance with legal requirements.

6. Telephone Communications and Call Recording

Our agents and authorized representatives may communicate by telephone regarding insurance consultations, service requests, appointments, policy reviews, and other legitimate business matters.

Certain calls may be recorded or monitored, where legally permitted, for:

• Quality assurance.
• Agent training and coaching.
• Customer service.
• Fraud prevention.
• Dispute resolution.
• Documentation and regulatory compliance.

We provide required call-recording notices or obtain necessary consent under applicable federal and state laws.

Insurance outreach and telemarketing activities are subject to applicable calling, consent, and do-not-call rules.

You may request placement on our internal do-not-call list by contacting us.

Medicare-related communications are also subject to applicable Centers for Medicare & Medicaid Services (CMS) requirements.

7. How We Share Personal Information

We may disclose personal information when reasonably necessary to deliver requested services, manage authorized business operations, or comply with legal obligations.

Insurance Carriers and Plan Providers

Relevant information may be provided to insurance carriers, underwriters, health plans, administrators, and other authorized insurance organizations for quoting, applications, eligibility, enrollment, and servicing.

Authorized Agents and Agency Personnel

Appropriate information may be accessible to authorized agents and personnel who need it for legitimate responsibilities.

Technology and Service Providers

We may engage service providers for:

• Website hosting.
• Online form processing.
• Customer relationship management.
• Appointment scheduling.
• Secure communications.
• Document processing.
• Information security.
• Technical support.
• Authorized analytics.

Such providers are expected to process information only for authorized business functions and under applicable contractual and legal safeguards.

Legal and Regulatory Requirements

We may disclose information when required by lawful government requests, court orders, regulatory inquiries, or other applicable laws.

Business Transactions

Information may be transferred as part of a lawful merger, restructuring, sale, or transfer of business assets, subject to applicable requirements.

We do not sell customer personal information to independent data brokers for unrelated marketing purposes.

Mobile information and SMS consent are subject to the specific protections described in Section 5.

8. Financial and Insurance Information Privacy

Insurance and financial information may include sensitive details about coverage, beneficiaries, financial objectives, income, assets, and applications.

We treat such information as confidential and limit access to individuals and providers who have appropriate business responsibilities.

Applicable requirements may include the Gramm-Leach-Bliley Act (GLBA), state insurance information privacy laws, and other financial privacy standards.

When a separate insurance or financial privacy notice is legally required, we provide it through the appropriate process.

Information submitted for underwriting or suitability reviews is used for appropriate insurance-related purposes and disclosed to authorized participants as necessary.

9. Health Information and Medicare Privacy

We may request or receive health information in connection with health insurance, Medicare-related insurance products, life insurance underwriting, or other authorized services.

Health-related information may include:

• Coverage and plan preferences.
• Healthcare eligibility information.
• Medical history relevant to underwriting.
• Medication information when necessary.
• Provider or prescription coverage needs.
• Enrollment and application information.

Health information is handled according to applicable confidentiality, insurance privacy, and health information laws.

HIPAA applies where the agency or particular activities are legally subject to its requirements. Other insurance and state privacy rules may also apply.

Medicare Communications

Medicare marketing, enrollment assistance, call recording, and documentation are subject to applicable CMS rules.

When required, we obtain and document applicable authorization or Scope of Appointment before discussing certain Medicare plan options.

We do not represent ourselves as the federal government or Medicare.

Medicare plan availability, costs, benefits, and eligibility depend on individual circumstances, carrier offerings, and service areas.

Please submit sensitive health information only through an authorized and appropriately secured process.

10. Cookies and Similar Technologies

Our website may use cookies, local storage, and similar technologies for legitimate website purposes.

These technologies may help:

• Maintain website functionality.
• Remember visitor preferences.
• Support security and fraud prevention.
• Improve navigation.
• Understand aggregate website performance.
• Evaluate authorized advertising activities.

Some cookies may be necessary for website operation. Others may relate to analytics or advertising and may be subject to additional privacy choices.

You can generally adjust cookie preferences in your browser.

Certain website features may not function as intended if required technologies are blocked.

Where applicable law requires consent or an opt-out mechanism for particular cookies or tracking activities, we provide the required controls.

11. Website Analytics and Tracking Technologies

We may use website analytics and performance measurement tools to understand website traffic, improve user experience, and evaluate service effectiveness.

Information collected through these technologies may include:

• Visited pages.
• Session times and navigation patterns.
• General geographic region.
• Browser and device characteristics.
• Referral websites.
• Campaign referral identifiers.
• Technical errors.
• Interaction with website features.

Authorized analytics providers may process relevant information in accordance with applicable legal and contractual requirements.

We seek to prevent sensitive medical details, financial account credentials, and protected insurance application information from being disclosed to unauthorized analytics platforms.

Analytics and tracking settings should be reviewed periodically to ensure they reflect actual website operations and applicable privacy requirements.

12. Marketing Communications, Advertising, and Privacy

OUR 365 may provide information about insurance services, coverage reviews, retirement education, agency events, and agent career opportunities.

Marketing may occur through:

• Our website.
• Email communications.
• Telephone communications.
• Text messages when authorized.
• Social media.
• Online advertisements.
• Educational and informational events.

Marketing Data

Where permitted, marketing activities may use insurance interests, contact preferences, inquiry history, website interactions, and campaign referral information.

Digital Advertising

Online advertising providers may use technical identifiers and website activity information where their services are enabled.

Advertising activities are subject to applicable notice, consent, and opt-out requirements.

Separate Consent

A general inquiry does not automatically authorize all marketing texts, emails, or automated calls.

We obtain separate consent where required and honor legally valid unsubscribe and opt-out requests.

Marketing Choices

• Reply STOP to discontinue text messages.
• Use unsubscribe links in marketing emails.
• Ask to be added to our internal do-not-call list.
• Contact our agency to update your preferences.

Medicare Marketing Restrictions

Advertising and marketing concerning Medicare-related insurance products must comply with applicable CMS rules, including restrictions on misleading claims and unauthorized outreach.

Coverage availability and benefit information may change based on location, plan, and applicable year.

13. California Privacy Rights

California residents may have additional privacy rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, and other applicable laws.

Depending on the information and the law governing it, rights may include:

• Knowing what personal information is collected.
• Requesting access to covered information.
• Requesting correction of inaccurate information.
• Requesting deletion of eligible information.
• Receiving required disclosure information.
• Opting out of covered sales or sharing.
• Limiting certain uses of sensitive information.
• Protection from unlawful discrimination for exercising privacy rights.

Insurance Information

Some insurance-related information may be governed by separate California insurance privacy laws or statutory exceptions.

Advertising and Sharing

Where applicable California law treats an advertising activity as a sale or sharing of personal information, legally required opt-out rights and controls apply.

Applicable browser opt-out preference signals will be recognized where legally required.

Request Verification

We may need to verify identity or authorized representation before processing certain requests.

We may decline or limit requests where a valid legal exception applies, including relevant insurance recordkeeping requirements.

Submitting a California Privacy Request

Email: info@our365financialsolution.net

Telephone: (844) 687-3653

Additional California-specific disclosures will be provided when legally required, including any required categories, retention information, and relevant sales or sharing disclosures.

14. Privacy Rights for Canadian Residents

Where applicable, information relating to individuals in Canada is handled in accordance with relevant Canadian privacy laws, which may include the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy laws.

Purpose and Consent

We identify appropriate purposes for collecting personal information and obtain meaningful consent where required.

Sensitive information may require additional safeguards or consent.

Access and Correction

Subject to applicable law, Canadian individuals may request access to personal information and correction of inaccuracies.

Withdrawal of Consent

Individuals may withdraw applicable consent, subject to legal, contractual, and legitimate recordkeeping restrictions.

Canadian Commercial Electronic Messages

Commercial electronic messages sent to Canadian recipients are subject to Canada's Anti-Spam Legislation (CASL), where applicable.

When required, we obtain consent, identify the sender, and provide a functioning unsubscribe mechanism.

Provincial Privacy Laws

Additional obligations may apply under privacy laws in Quebec, Alberta, British Columbia, and other Canadian jurisdictions.

Where applicable, we comply with relevant requirements concerning notices, safeguards, international transfers, and privacy requests.

Canadian Privacy Inquiries

Canadian residents may contact: info@our365financialsolution.net

15. International Data Transfers

OUR 365 Financial Solution LLC Agency is based in the United States.

Personal information submitted from Canada or another jurisdiction may be processed or stored in the United States or in other locations where authorized service providers operate.

Information transferred internationally may be subject to the laws of the receiving jurisdiction, including lawful access requests by government authorities.

We apply safeguards and procedures required by applicable data protection laws when handling cross-border personal information.

Where applicable law requires additional notice, contractual protections, assessments, or consent, those requirements apply.

16. Website Chat and Automated Assistance

Our website may provide an automated assistant, including Aria AI, to help visitors navigate our website, obtain general information, and explore available services.

Chat information may include:

• Questions submitted by visitors.
• Preferred language.
• General insurance interests.
• Appointment preferences.
• Contact details voluntarily supplied.
• Technical session information.

Depending on the service configuration, chat content may be processed by authorized artificial intelligence, hosting, or communications providers to produce responses.

Chat services may operate in multiple languages to improve accessibility for visitors.

Please do not submit Social Security numbers, bank account credentials, detailed medical histories, insurance member identifiers, or other highly sensitive information through general website chat.

Automated responses are informational. They do not constitute binding insurance offers, guaranteed eligibility determinations, policy approvals, or confirmation of coverage.

Insurance advice and recommendations, when appropriate, should be reviewed with a properly licensed representative.

AI chat capabilities and associated data handling may be updated as we improve the service. Material changes to privacy practices will be reflected in appropriate notices.

17. Information Security

We recognize the importance of protecting personal, financial, and health-related information against unauthorized access, disclosure, alteration, or destruction.

Our safeguards may include:

• Access controls.
• User authentication.
• Secure communications.
• Restricted access to sensitive records.
• Administrative security policies.
• Employee and agent training.
• Service-provider oversight.
• Security monitoring and incident response.

The safeguards appropriate to specific records depend on the information, system, and applicable requirements.

Although we use reasonable security measures, no website, electronic communications system, or storage technology can guarantee absolute security.

If a security incident occurs, we evaluate applicable notification and response obligations.

18. Data Retention

We retain information only for periods reasonably necessary to fulfill legitimate purposes or satisfy applicable requirements.

Retention considerations may include:

• Customer service needs.
• Insurance application records.
• Policy servicing responsibilities.
• Carrier agreements.
• Regulatory recordkeeping obligations.
• Legal claims and dispute resolution.
• Fraud prevention.
• Accounting and tax requirements.
• Documented communication consent.

Retention periods vary by record type and the laws applicable to it.

Some records may need to be preserved even after you request deletion or end your relationship with us.

When information is no longer reasonably needed, we take appropriate steps to delete, de-identify, or securely dispose of it according to applicable policy and law.

19. Your General Privacy Rights and Choices

Depending on your location, the type of information, and applicable law, you may have rights to:

• Request information about our privacy practices.
• Access certain personal information.
• Correct inaccurate information.
• Request deletion of eligible information.
• Withdraw applicable consent.
• Opt out of certain marketing communications.
• Request additional applicable privacy protections.

Text Messages

Reply STOP to opt out of text messages. Reply HELP for assistance.

Marketing Email

Use the unsubscribe link included in qualifying marketing emails.

Telephone Communications

Contact us to request placement on our internal do-not-call list.

Data Privacy Requests

You may contact: info@our365financialsolution.net

Some requests require identity verification and may be subject to lawful exceptions or insurance recordkeeping duties.

We respond to requests according to applicable legal requirements.

20. Children's Privacy

Our general website is intended primarily for adults seeking insurance and related services.

We do not knowingly collect personal information directly from children under age 13 through our general website without legally appropriate authorization.

Information about a minor may be provided by a parent, guardian, or legally authorized representative in connection with legitimate insurance purposes.

If you believe a child provided personal information without appropriate authorization, please contact us so we can evaluate the matter.

21. Third-Party Websites and Services

Our website may link to or embed services provided by independent organizations.

Examples may include:

• Insurance carriers.
• Insurance quote platforms.
• Healthcare coverage providers.
• Appointment scheduling services.
• Online form providers.
• Government resources.
• Educational resources.
• Social media services.
• Other authorized business services.

Independent third parties may maintain their own privacy notices, security practices, and information handling requirements.

We encourage visitors to review the privacy policies applicable to third-party websites and services before submitting personal information.

22. Changes to This Policy and Contact Information

We may revise this Privacy Policy to reflect changes to services, technology, business operations, regulatory requirements, or information handling practices.

When updates occur, the revised policy will be posted on our website with an updated revision date.

We will provide additional notice or request additional consent when applicable law requires it.

Contact Information