Privacy Policy
Florida Life Settlements, LLC
Effective Date: January 6, 2026
Last Updated: January 6, 2026
Our Commitment to Your Privacy
At Florida Life Settlements, LLC, we understand that your personal and financial information is sensitive and deserves the highest level of protection. This Privacy Policy explains how we collect, use, protect, and share your information when you use our website or services.
Information We Collect
Information You Provide to Us
When you contact us or request a policy evaluation, we may collect:
Personal Information: Name, address, phone number, email address, date of birth
Policy Information: Life insurance policy details, including carrier name, policy number, face value, premiums, and beneficiary information
Health Information: Medical history, current health status, and medical records (only with your explicit written consent)
Financial Information: Information about your financial situation relevant to evaluating your policy
Information Collected Automatically
When you visit our website, we may automatically collect:
Technical Information: IP address, browser type, operating system, referring website
Usage Information: Pages visited, time spent on pages, links clicked
Cookies: Small data files stored on your device to improve website functionality (see "Cookies" section below)
How We Use Your Information
We use your information to:
Provide Services: Evaluate your life insurance policy, obtain competitive settlement offers, and facilitate transactions
Communication: Respond to inquiries, provide updates on your evaluation or transaction, and send service-related notifications
Legal Compliance: Comply with applicable laws, regulations, and licensing requirements governing life settlements in Florida
Business Operations: Improve our services, analyze website usage, and prevent fraud
Marketing: Send you information about our services (only with your consent, and you may opt out at any time)
How We Share Your Information
We do not sell your personal information to third parties. We may share your information only in the following circumstances:
Life Settlement Companies
To obtain competitive offers for your policy, we share relevant policy and health information with licensed life settlement companies. These companies are bound by confidentiality agreements and industry regulations.
Service Providers
We may share information with trusted third-party service providers who assist us with:
Medical record retrieval services
Document management and secure file storage
Email and communication platforms
Website hosting and analytics
These providers are contractually obligated to protect your information and may only use it to perform services on our behalf.
Professional Advisors
With your consent, we may share information with your estate planning attorney, financial advisor, CPA, or other professional advisors to coordinate your life settlement transaction.
Legal Requirements
We may disclose your information if required by law, court order, subpoena, or government regulation, or if we believe disclosure is necessary to:
Comply with legal obligations
Protect our rights, property, or safety
Prevent fraud or other illegal activity
Respond to regulatory inquiries from the Florida Office of Insurance Regulation
Business Transfers
If Florida Life Settlements, LLC is acquired, merged, or undergoes a business transition, your information may be transferred to the successor entity, subject to the same privacy protections outlined in this policy.
Your Rights and Choices
You have the following rights regarding your personal information:
Access and Correction
You may request access to the personal information we hold about you and request corrections to any inaccurate information by contacting us at info@floridalifesettlements.com or (954) 913-2153.
Opt-Out of Marketing Communications
You may opt out of receiving marketing emails by clicking the "unsubscribe" link in any marketing email or by contacting us directly. Please note that you cannot opt out of service-related communications (such as transaction updates or policy evaluation results).
Do Not Track
Our website does not currently respond to "Do Not Track" signals from web browsers.
California Residents
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). Please contact us for more information about exercising these rights.
Cookies and Tracking Technologies
What Are Cookies?
Cookies are small text files stored on your device when you visit our website. They help us recognize you, remember your preferences, and improve website functionality.
Types of Cookies We Use
Essential Cookies: Required for the website to function properly (e.g., security, form submission)
Analytics Cookies: Help us understand how visitors use our website (e.g., Google Analytics)
Functionality Cookies: Remember your preferences and settings
Managing Cookies
You can control cookies through your browser settings. Please note that disabling cookies may affect website functionality. Most browsers allow you to:
View and delete cookies
Block third-party cookies
Block all cookies (not recommended)
For more information about managing cookies, visit your browser's help section.
Data Security
We take the security of your information seriously and implement industry-standard measures to protect it, including:
Encryption: Sensitive data transmitted through our website is encrypted using SSL/TLS technology
Access Controls: Only authorized personnel have access to your information on a need-to-know basis
Secure Storage: Personal information is stored on secure servers with restricted access
Regular Audits: We periodically review our security practices to ensure ongoing protection
While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.
Retention of Information
We retain your personal information only as long as necessary to:
Provide the services you requested
Comply with legal and regulatory requirements (Florida insurance law requires certain records to be maintained for up to 5 years)
Resolve disputes and enforce our agreements
After this period, we securely delete or anonymize your information.
Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will promptly delete it.
Third-Party Websites
Our website may contain links to third-party websites (such as insurance carriers or educational resources). We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. We will post the updated policy on this page with a new "Last Updated" date. We encourage you to review this policy periodically.
If we make material changes that significantly affect your rights, we will notify you by email (if you have provided an email address) or by posting a prominent notice on our website.
Regulatory Compliance
Florida Life Settlements, LLC is licensed as a viatical settlement broker in the State of Florida (License #XXXXX) and complies with:
Florida Statutes Chapter 626, Part XIII (Viatical Settlement Contracts)
Florida Administrative Code Chapter 69B (Insurance regulations)
Health Insurance Portability and Accountability Act (HIPAA) when applicable to health information
Gramm-Leach-Bliley Act (GLBA) regarding financial privacy
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
Florida Life Settlements, LLC
Email: info@floridalifesettlements.com
Phone: (561) 330-5364
Address: PO Box 740724, Boynton Beach, FL 33472
We will respond to your inquiry within 10 business days.
Consent
By using our website or services, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree with this policy, please do not use our website or services.
Florida Life Settlements, LLC
Licensed Viatical Settlement Broker
Florida License #W048753
This privacy policy was last updated on January 6, 2026.