Privacy Policy
Effective Date: October 7, 2025
Last Updated: October 7, 2025
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1. INTRODUCTION
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Honeycover.com is a product of Legacy Life Partners LLC, ("we," "us," or "our"), respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information.
Key Disclosure: WE SELL AND SHARE PERSONAL INFORMATION. We operate as a lead generation service that transfers consumer information to insurance agents and carriers for compensation.
This constitutes a "sale" under state privacy laws.
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2. INFORMATION WE COLLECT
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2.1 Information You Provide
Personal Information:Name, email, phone number (including wireless)
Age/date of birth
Zip code and state
Health information (for insurance quotes)
Income and financial information
Insurance interests and needs 2.2 Automatic Collection
Technology Data:IP address and device identifiers
Browser type and operating system
Pages visited and links clicked
Cookies and tracking pixels (Google Analytics, Facebook Pixel)
Browsing behavior and preferences2.3 Third-Party Sources
We may receive information from data brokers, insurance carriers, advertising networks, and public databases.
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3. HOW WE USE YOUR INFORMATION
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Primary Uses:Match you with Insurance Partners and transfer your leads (for compensation)
Contact you via phone, text, and email about insurance products
Provide insurance quotes and sell policies directly
Improve our website and services
Deliver targeted advertising
Prevent fraud and ensure security
Comply with legal obligations
Sensitive Information: We use health and financial information only as disclosed and permitted by law.
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4. HOW WE SHARE YOUR INFORMATION
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4.1 Sales to Insurance Partners
Information Sold: Name, phone, email, age, zip code, insurance interests
Recipients: Insurance agents, brokers, and carriers
Compensation: We receive monetary fees for referrals
Important: This is a "sale" under CCPA and similar state laws
4.2 Sharing with Advertisers
Information Shared: Online identifiers, browsing activity, interests
Recipients: Google Ads, Facebook/Meta, other ad platforms
Purpose: Targeted advertising and analytics
Important: This is "sharing" for cross-context behavioral advertising
4.3 Service Providers
We share information with vendors who perform services for us (web hosting, email delivery, analytics, customer support). These providers are contractually restricted from using your information for their own purposes.
4.4 Legal Disclosures
We disclose information to law enforcement, courts, regulatory agencies, and insurance departments when legally required.
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5. RETENTION
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Lead Information: 5 years from collection (TCPA compliance)
Insurance Policies: Policy duration plus 5-7 years (state insurance regulations)
Analytics Data: 26 months
Marketing Records: Until opt-out plus 5 years for compliance documentation
6. COOKIES AND TRACKING
We use:Essential Cookies: Required for site functionality
Analytics Cookies: Google Analytics for usage tracking
Advertising Cookies: Facebook Pixel and other platforms for targeted adsYour Choices:Adjust browser settings to block cookies
Opt out at http://optout.aboutads.info
Enable Global Privacy Control (GPC) in your browser7. DATA SECURITY
We implement reasonable security measures including encryption, access controls, and regular security assessments. However, no system is completely secure, and we cannot guarantee absolute security.
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8. YOUR PRIVACY RIGHTS
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8.1 Opt-Out of Communications
Phone: (727)415-1911
Text: Reply "STOP"
Email: tyler@legacyinsured.co
Processing time: 10 business days
8.2 Opt-Out of Sale or Sharing
Right to Opt-Out: You can stop us from selling your information to Insurance Partners or sharing with advertisers.
How: Email tyler@legacyinsured.co with subject "Do Not Sell My Information" or call (727)415-1911
Effect: We stop selling/sharing going forward. Does not affect information already transferred. Processing time: 15 business days.
Important: Opting out prevents us from connecting you with Insurance Partners for quotes.
8.3 State-Specific Rights
California, Virginia, Colorado, Connecticut, and Other States:
You may have rights to:Access your personal information
Delete your information (subject to exceptions)
Correct inaccurate information
Data Portability (some states)
Limit use of sensitive personal information
Opt-Out of targeted advertising and profilingTo Exercise Rights: Email tyler@legacyinsured.co or call (727)415-1911
Verification Required: We must verify your identity before processing requests.
Response Time: 45 days (extendable to 90 days)
No Discrimination: We won't discriminate against you for exercising rights.
Appeals: If we deny your request, reply to our email to appeal within 45 days.
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9. CHILDREN'S PRIVACY
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Our Service is not for anyone under 18. We don't knowingly collect information from children. If you're under 18, do not use our Service.
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10. THIRD-PARTY WEBSITES
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Our Site may link to third-party websites. We're not responsible for their privacy practices. Once we transfer your information to Insurance Partners, their privacy policies govern.
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11. INSURANCE-SPECIFIC NOTICE (GLBA)
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As a licensed insurance producer, we're subject to the Gramm-Leach-Bliley Act (GLBA). We protect your nonpublic personal financial information and may disclose it to Insurance Partners as described above. You can opt out, but this prevents us from providing lead generation services.
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12. CHANGES TO PRIVACY POLICY
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We may update this policy at any time. Material changes take effect 30 days after notice via email or website posting.
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13. CONTACT INFORMATION
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Email: tyler@legacyinsured.co
Phone: (727)415-1911
For Privacy Rights Requests:
tyler@legacyinsured.co (include "Privacy Request" in subject line)
For Opt-Out:
tyler@legacyinsured.co (include "Opt-Out" in subject line)CALIFORNIA PRIVACY NOTICE SUMMARY
Rights: Access, delete, correct, opt-out of sales/sharing, limit sensitive data use, non-discrimination
Information Collected: Identifiers, demographics, health info, financial info, internet activity, geolocation, inferences
Information Sold: Identifiers, demographics, internet activity, insurance interests
Sold To: Insurance agents, brokers, carriers, advertising networks
How to Exercise Rights: Email tyler@legacyinsured.co or call (727)415-1911
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