1. Introduction
Allied Life Financial Group LLC, doing business as Allied Life Financial Group ("we," "us," or "our"), is committed to protecting your privacy and handling your personal information with transparency and care. This Privacy Policy explains how we collect, use, share, and safeguard information when you interact with us through our website at AlliedLFG.com, our SMS/text messaging programs, and any other services we provide (collectively, the "Services").
By using our Services, visiting our website, or providing us with your contact information, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with its terms, please discontinue use of our Services.
For questions about this policy or our data practices, please contact us using the information provided in the Contact Us section at the end of this document.
2. Information We Collect
We collect information about you in several ways depending on how you interact with us. The categories of information we may collect include:
Personal Information
- Full name
- Date of birth (where relevant to services provided)
- Government-issued identification information (where required by law or service scope)
- Financial information relevant to insurance or financial planning consultations
Contact Information
- Email address
- Mobile phone number
- Mailing or billing address
Communication Preferences
- SMS/text messaging opt-in status and consent records
- Email marketing preferences
- Preferred contact method and times
- Opt-out and unsubscribe records
Technical and Cookie Data
- IP address and approximate geographic location derived from IP
- Browser type, operating system, and device identifiers
- Pages visited, time spent on pages, and referring URLs
- Cookie identifiers and similar tracking technologies (see Section 6 for details)
Information You Provide Directly
We collect information you submit through contact forms, appointment booking tools, account registration, surveys, or when you communicate with us by phone, email, or SMS.
Information Collected Automatically
When you visit our website, certain information is collected automatically through cookies, web beacons, and similar technologies as further described in the Cookies and Tracking section of this policy.
3. How We Use Your Information
We use the information we collect for legitimate business purposes, including but not limited to:
- Providing, operating, and improving our Services
- Scheduling and confirming appointments
- Sending transactional communications including account notifications and order or delivery updates
- Sending marketing communications, promotional offers, and newsletters to users who have opted in
- Onboarding new clients and delivering welcome communications
- Responding to customer support inquiries and resolving issues
- Sending event reminders and drip content to subscribed users
- Processing payments and maintaining billing records
- Complying with applicable legal and regulatory obligations
- Detecting, preventing, and investigating fraud or unauthorized activity
- Analyzing usage trends to improve user experience and our business operations
- Communicating changes to our Services, terms, or this Privacy Policy
We will not use your information for purposes that are incompatible with those described in this policy without obtaining your prior consent or as otherwise required by law.
4. SMS / Text Messaging
Allied Life Financial Group operates SMS/text messaging programs to communicate with customers and subscribers who have opted in to receive text messages from us. The following disclosures apply to all SMS communications sent by or on behalf of Allied Life Financial Group.
Opt-In and Consent
We only send SMS messages to individuals who have affirmatively opted in to receive them. Opt-in may occur through a web form, a keyword sent to one of our SMS numbers, a paper or digital agreement, or another compliant consent mechanism. We maintain records of all opt-in consents as required by applicable law and carrier guidelines.
Types of SMS Communications
Depending on the program(s) you subscribe to, you may receive the following categories of text messages from us:
- Appointment Reminders: Confirmations and reminders for scheduled consultations or meetings.
- Customer Care and Support: Responses to inquiries, issue resolution updates, and service-related assistance.
- Promotional Offers: Special offers, discounts, or incentives related to our products and services.
- Marketing Updates: News, announcements, and updates about Allied Life Financial Group.
- Onboarding and Welcome Messages: Introductory messages sent when you begin working with us or join a program.
- Newsletter and Drip Content: Scheduled informational content delivered as part of an ongoing communication series.
- Event Reminders: Notices and reminders about webinars, seminars, or other events.
- Account Notifications: Alerts related to your account status, policy information, or important updates.
- Order and Delivery Updates: Status notifications related to any orders or service deliveries.
Message Frequency
Message frequency may vary and will not exceed the level based on your subscriber opt-in selection. The number of messages you receive will depend on the program(s) you have subscribed to and your activity with our Services.
Message and Data Rates
Message and data rates may apply. Standard carrier messaging and data rates set by your mobile carrier may be charged for messages sent to or received from us. Allied Life Financial Group is not responsible for any charges imposed by your carrier.
Opt-Out Instructions
You can cancel the SMS service at any time by texting STOP to the number from which you received our messages. After you send "STOP," we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you later wish to resume receiving SMS messages, you may opt back in by following the applicable opt-in process.
Help Instructions
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected].
Data Sharing, SMS Opt-In Information
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support of our services, such as customer service, is permitted. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. How We Share Your Information
We do not sell your personal information. We may share your information with trusted third-party service providers and subcontractors who assist us in delivering our Services. These parties are permitted to use your information only as necessary to perform their specific functions and are obligated to protect your data in accordance with applicable law and contractual requirements.
The third-party processors we currently use include:
- AlliedSpot / AlliedROI, Our CRM and SMS platform used to manage customer relationships, communications, and messaging campaigns.
- Telnyx and Twilio, SMS and voice carriers used to transmit text messages and voice communications on our behalf.
- Supabase, Database hosting provider used to store application and customer data securely.
- Stripe, Payment processing platform used to handle financial transactions.
- Brevo, Transactional email service provider used to deliver email communications.
We may also disclose your information in the following circumstances:
- Legal Compliance: When required by applicable law, regulation, court order, or governmental authority.
- Protection of Rights: To protect the rights, property, or safety of Allied Life Financial Group, our clients, or others.
- Business Transfers: In connection with a merger, acquisition, sale of assets, or other business transaction, subject to standard confidentiality protections.
- With Your Consent: For any other purpose with your prior explicit consent.
As stated in Section 4, SMS opt-in data and consent records are never shared with third parties for marketing or promotional purposes under any circumstances.
6. Cookies and Tracking
Our website at AlliedLFG.com uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and support our marketing and analytics efforts.
What Are Cookies?
Cookies are small text files placed on your device by a website you visit. They may be session-based (deleted when you close your browser) or persistent (remaining on your device for a set period or until you delete them).
Types of Cookies We Use
- Essential Cookies: Necessary for the website to function properly. These cannot be disabled without affecting core site functionality.
- Analytics Cookies: Used to collect information about how visitors use our website, such as pages viewed and time spent on the site.
- Marketing and Advertising Cookies: Used to track visitors across websites for the purpose of displaying relevant advertisements.
- Preference Cookies: Used to remember your settings and preferences for future visits.
Managing Cookies
You may control or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our website. You may also opt out of interest-based advertising by visiting industry opt-out tools such as the Digital Advertising Alliance's opt-out page at www.aboutads.info/choices.
7. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with our legal obligations, resolve disputes, enforce our agreements, and support legitimate business operations.
Specific retention periods may vary depending on the type of information and the purpose for which it was collected. SMS opt-in and opt-out records are retained for a minimum period consistent with carrier compliance requirements and applicable law. When personal information is no longer needed, we take reasonable steps to securely delete or anonymize it.
8. Your Privacy Rights
Depending on your jurisdiction, you may have certain rights with respect to your personal information. We are committed to honoring these rights to the extent required by applicable law.
California Residents, CCPA Rights
If you are a California resident, you may have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):
- Right to Know: The right to request disclosure of the categories and specific pieces of personal information we have collected about you.
- Right to Delete: The right to request deletion of personal information we have collected from you, subject to certain exceptions.
- Right to Correct: The right to request correction of inaccurate personal information.
- Right to Opt-Out of Sale or Sharing: We do not sell your personal information. If this practice changes, we will update this policy and provide an opt-out mechanism.
- Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
To exercise your California privacy rights, please contact us at [email protected] or by phone at (847) 874-8488.
European Residents, GDPR Basics
If you are located in the European Economic Area (EEA) or the United Kingdom, you may have rights under the General Data Protection Regulation (GDPR) or UK GDPR, including:
- Right of Access: The right to obtain a copy of the personal data we hold about you.
- Right to Rectification: The right to request correction of inaccurate or incomplete data.
- Right to Erasure: The right to request deletion of your personal data under certain conditions.
- Right to Restrict Processing: The right to request that we limit the use of your data in certain circumstances.
- Right to Data Portability: The right to receive your personal data in a structured, commonly used format.
- Right to Object: The right to object to processing of your personal data for direct marketing or other purposes.
- Right to Withdraw Consent: Where processing is based on consent, you have the right to withdraw that consent at any time without affecting the lawfulness of prior processing.
To exercise these rights, please contact us at [email protected]. We will respond to verifiable requests within the timeframes required by applicable law.
SMS Opt-Out
You may opt out of SMS communications at any time by texting STOP to any message you receive from us. See Section 4 for complete opt-out instructions.
9. Security
We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. Our third-party service providers are evaluated for their security practices and are contractually required to maintain appropriate protections for data they process on our behalf.
However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to protect your personal information, we cannot guarantee its absolute security. In the event of a data breach that affects your rights and freedoms, we will notify affected individuals and relevant authorities as required by applicable law.
10. Children's Privacy
Our Services are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us immediately at [email protected] and we will take prompt steps to delete such information from our records.
If you are between the ages of 13 and 18, please obtain parental or guardian consent before submitting any personal information to us.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make material changes, we will update the Effective Date at the top of this policy and, where appropriate, notify you by email or by posting a prominent notice on our website.
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our Services after the posting of changes constitutes your acceptance of those changes.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us using any of the following methods:
- Legal Name: Allied Life Financial Group LLC
- DBA / Brand: Allied Life Financial Group
- Website: AlliedLFG.com
- Mailing Address: Buffalo Grove, IL 60089
- Support Email: [email protected]
- Support Phone: (847) 874-8488
We will make every effort to respond to your inquiry promptly and in accordance with any applicable legal deadlines.