Privacy Policy

1. Introduction

D1 Life ("we," "us," "our," or "Company") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit forms, contact us, or engage with our services.

Important Notice: By submitting a form or providing your contact information to D1 Life, you acknowledge that you are at least 18 years old and consent to receive communications from us via all methods you provide (phone, email, SMS/text). This includes calls and text messages for lead generation, insurance inquiries, and follow-up communications.

2. Information We Collect

Information You Provide Directly:

• Contact Forms: When you fill out our web forms, we collect your name, email address, phone number, age, state of residence, and other information you voluntarily provide.
• Communications: When you contact us via email, phone, or through our website, we collect the content of your communications.
• Insurance-Related Information: Information you voluntarily provide relevant to your insurance inquiry, which may include general health information necessary to determine eligibility and provide quotes from our partnered carriers.

Information Collected Automatically:

• Usage Information: Browser type, operating system, pages visited, referring URLs, and the time and date of your visit.
• Cookies and Similar Technologies: We use cookies to enhance your browsing experience and track website analytics.
• Device Information: IP address and device identifiers for analytics and fraud prevention.
• Facebook Pixel Data: We use Facebook Pixel to track conversions and optimize our advertising campaigns.

3. How We Use Your Information

• To process your insurance quote requests and connect you with licensed insurance agents.
• To contact you regarding your inquiry via phone, email, SMS/text message, or other communication channels you provided.
• To improve our services and website functionality.
• To send you promotional content and updates (you may opt-out at any time).
• To comply with legal obligations and prevent fraud.
• To train and improve our customer service quality through call recording analysis.
• For marketing and advertising purposes, including targeted ads on Facebook and other platforms.

4. Call Recording, Monitoring, and Consent

Important Notice: By submitting your phone number to D1 Life or permitting us to contact you, you acknowledge and agree that phone calls with our agents, representatives, and licensed partners may be recorded, monitored, and logged for quality assurance, training, compliance, and customer service improvement purposes. These recordings are maintained in accordance with applicable state and federal laws.

In states requiring two-party consent for call recording (including but not limited to California, Florida, Illinois, and Pennsylvania), your continued communication with us after this notice indicates your consent to call recording. If you do not consent to call recording, you should not engage in phone communications with D1 Life.

TCPA Compliance: By providing your phone number, you are expressly consenting to receive calls and SMS messages from D1 Life, our licensed agents, and our insurance carrier partners. This includes both automated and non-automated calls and text messages. You may opt-out at any time by replying "STOP" to text messages, texting "HELP" to +1 717-873-4272 for assistance, or contacting us directly at liam@d1.life.

5. SMS/Text Message Communications and TCPA Compliance

TCPA Compliance: By providing your phone number, you are expressly consenting to receive calls and SMS messages from D1 Life, our licensed agents, and our insurance carrier partners. This includes both automated and non-automated calls and text messages. You may opt-out at any time by replying "STOP" to text messages, texting "HELP" to +1 717-873-4272 for assistance, or contacting us directly at liam@d1.life.

SMS Data Protection:

SMS opt-in consent and phone numbers provided for SMS communications are not shared with third parties for marketing purposes. This information is used solely for communication related to your inquiry and service requests. Your phone number and SMS consent preference are protected and maintained in compliance with TCPA requirements.

TCPA Compliance and Your Rights:

• Consent to Contact: By providing your phone number, you are consenting to receive automated and non-automated calls and SMS text messages to the phone number you provide from D1 Life, our licensed agents, and insurance carriers.
• Opt-Out Rights: You may opt-out of SMS communications at any time by texting "STOP" to our text line, replying "STOP" to any text message from us, or text "HELP" to +1 717-873-4272, or contacting us at liam@d1.life. Your request will be processed within a reasonable timeframe.
• Message and Data Rates: Standard message and data rates apply. Contact your wireless carrier for details on your plan's messaging and data rates.
• Not a Condition of Purchase: Consent to receive SMS messages is not a condition of purchasing any goods or services from us.
• TCPA Compliance: We comply with all applicable TCPA (Telephone Consumer Protection Act) requirements, including restrictions on autodialed, artificial, or prerecorded calls and messages.

5A. Special Ad Category Notice (Facebook/Meta Ads)

D1 Life uses Facebook and Instagram advertising to reach potential customers interested in life insurance products. In compliance with Meta's Special Ad Category policies, we want to inform you:

Special Ad Category - Credit and Financial Products:

Insurance products, including life and final expense insurance, are classified as financial products and fall under Meta's "Special Ad Category." As a result:

• Restricted Targeting: We do not use targeting based on protected characteristics, including race, color, religion, sex, national origin, political affiliation, sexual orientation, gender identity, or other legally protected statuses.
• Limited Data Usage: We do not use sensitive personal information (such as health conditions, financial status, or personal circumstances) for ad targeting unless explicitly provided by you.
• No Exclusions: We do not exclude any groups from seeing our ads based on protected characteristics.
• Age Verification: All persons engaging with our advertising must be 18 years or older. By submitting a form or engaging with our ads, you certify that you are at least 18 years of age.
• Transparency: All marketing claims in our advertising comply with applicable insurance regulations and state laws.

Data Usage in Advertising:

When you interact with our ads or submit information through our forms, your data may be used for:

• Contacting you about insurance products and services you've requested
• Retargeting you with relevant insurance product information (via Facebook pixel tracking)
• Analytics and campaign optimization (without using protected characteristics)
• Complying with legal obligations and fraud prevention

For more information about Meta's Special Ad Categories, visit: facebook.com/policies/ads/

7. Business Model and How We Share Your Information

D1 Life Business Model: D1 Life operates as both a marketing platform and a licensed insurance producer. We connect consumers with insurance carriers and licensed agents to provide life insurance quotes and services. When you submit a form, your information may be shared with licensed agents, carriers, and service providers to fulfill your request.

We may share your information with:

• Licensed Insurance Agents and Producers: We share your information with our partnered licensed insurance agents and other insurance producers to help you find appropriate coverage. This includes Liam Mulroy and other licensed agents in our network.
• Insurance Carriers: Insurance companies (such as Foresters, Mutual of Omaha, Transamerica, and other carriers) may receive your information to process quotes, determine eligibility, and provide coverage options. Product and carrier availability may vary by state and individual eligibility.
• Service Providers: We use third-party service providers for website hosting, analytics, email delivery, SMS communications, payment processing, and customer management. These providers are contractually obligated to protect your information.
• Legal Compliance: When required by law, court order, or regulatory authority, or to protect our rights, safety, and the safety of others.
• Business Transfers: In the event of a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of that transaction.

8. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You acknowledge the risks associated with electronic communications and provide information to us at your own risk.

9. Your Privacy Rights

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate information.
• Opt-Out of Marketing: You may opt-out of marketing communications by replying "STOP" to emails or text messages, clicking unsubscribe links, or contacting us directly.
• Do Not Call: To be added to our Do-Not-Call list and to opt out of sales calls, contact us at liam@d1.life.

10. Government Affiliation Disclaimer

D1 Life is a private entity and is NOT affiliated with, endorsed by, or associated with any government agency. We are not affiliated with Medicare, Medicaid, the Social Security Administration, the Department of Health and Human Services, or any federal, state, or local government agency. D1 Life operates independently as a licensed insurance producer and marketing platform. Any insurance products we connect you with are offered through private insurance carriers only.

11. No Guarantee of Coverage, Pricing, or Approval

D1 Life does not guarantee insurance approval, pricing, savings, or coverage outcomes. All insurance results depend on individual eligibility, carrier underwriting, state regulations, and carrier policies. Specifically, we do not guarantee:

• That you will qualify for insurance coverage from any carrier.
• Specific rates, premiums, pricing, or policy terms.
• That any insurance company will issue a policy in your specific situation.
• That coverage will remain available from specific carriers.
• Specific coverage amounts, benefits, or exclusions.
• That you will achieve any particular savings or financial outcome.

All insurance quotes, rates, and coverage terms are subject to underwriting and final approval by the insurance carrier. Availability and terms may vary significantly based on your health, age, location, and other underwriting factors.

12. Educational Disclaimer

All information provided on the D1 Life website and through our communications is for educational and informational purposes only and should not be considered financial advice, legal advice, tax advice, or insurance advice. The information provided is general in nature and may not apply to your specific situation. Before making any financial, insurance, or legal decisions, please consult with a qualified financial advisor, attorney, or tax professional. Insurance decisions should be made in consultation with licensed insurance agents who understand your individual circumstances.

13. Insurance Product and Carrier Availability

Insurance carrier availability, products, options, coverage amounts, and pricing may vary significantly by state of residence and individual eligibility. Not all products are available in all states. Specific carriers, coverage options, and rates mentioned on our website may not be available in your state or for your individual circumstances. Our partnered carriers include Foresters, Mutual of Omaha, Transamerica, and others as applicable by state and individual eligibility.

14. Third-Party Links and Services

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing your information.

15. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: