Privacy Policy

Effective Date: September 24, 2026

Switch Health LLC doing business as Switch Life (“Switch Life,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit our website, request insurance information, submit a quote request, communicate with our representatives, or otherwise interact with our services.

This Privacy Policy applies to:

Switch Health LLC dba Switch Life
9950 Westpark Drive, STE 326
Houston, Texas 77063

Website: www.switch-lifes.com
Email: info@switch-lifes.com
Phone: +1 (832) 408-7908

By using our website or providing personal information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect information that you voluntarily provide when you:

• Request an insurance quote

• Complete a website form

• Contact us by phone, email, or text message

• Schedule an appointment

• Request information about insurance products

• Apply for insurance coverage

• Communicate with one of our licensed agents

• Subscribe to communications

• Provide information through a third-party insurance or quoting platform

The information we collect may vary depending on your interaction with us.

2. Personal Information

Personal information we may collect includes:

• First and last name

• Mailing address

• City, state, and ZIP code

• Email address

• Telephone number

• Date of birth

• Age

• Gender, where relevant to insurance underwriting and permitted by law

• Marital status

• Occupation

• Employment information

• Insurance coverage preferences

• Requested coverage amount

• Beneficiary information

• Existing insurance information

• Tobacco or nicotine use

• Other information you voluntarily provide

3. Insurance Application Information

When assisting with an insurance application, additional information may be required by the insurance carrier.

Depending on the product and carrier, this may include:

• Health history

• Medical information

• Prescription information

• Height and weight

• Lifestyle information

• Family medical history

• Financial information

• Income information

• Identity verification information

• Social Security number

• Government-issued identification

• Beneficiary information

We only collect such information when reasonably necessary to provide insurance-related services or when required by an insurance carrier.

Where appropriate, sensitive information may be collected through secure carrier systems, electronic application platforms, or protected forms rather than ordinary email.

4. Information Collected Automatically

When you visit our website, certain information may be collected automatically.

This may include:

• IP address

• Browser type

• Device type

• Operating system

• Referring website

• Pages visited

• Time spent on pages

• Date and time of visits

• General geographic information

• Website interaction data

• Cookie identifiers

• Analytics information

We may use this information to operate, improve, secure, and analyze our website.

5. Cookies and Similar Technologies

Our website may use cookies and similar technologies to:

• Improve website functionality

• Remember user preferences

• Analyze website traffic

• Understand visitor behavior

• Improve website performance

• Measure marketing effectiveness

• Detect technical or security issues

Cookies are small files stored on your device.

You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect website functionality.

6. How We Use Your Information

We may use personal information for purposes including:

• Responding to inquiries

• Providing insurance information

• Preparing or requesting insurance quotes

• Assisting with insurance applications

• Determining available insurance options

• Communicating with insurance carriers

• Scheduling appointments

• Providing customer service

• Following up on quote requests

• Providing application updates

• Assisting with policy-related questions

• Maintaining business records

• Improving our website and services

• Preventing fraud or unauthorized activity

• Complying with legal and regulatory requirements

• Processing consumer requests

• Sending communications you have requested or authorized

7. Insurance Carriers and Insurance Partners

To provide insurance services, we may disclose relevant personal information to insurance-related organizations, including:

• Insurance carriers

• General agencies

• Insurance marketing organizations

• Insurance application platforms

• Underwriting service providers

• Insurance technology providers

• Licensed insurance professionals

• Other entities involved in processing or servicing an insurance application

Information is shared only as reasonably necessary to provide the requested insurance-related service or as otherwise permitted by law.

Insurance carriers maintain their own privacy policies and data practices.

8. Service Providers

We may use third-party service providers to help operate our business.

These providers may assist us with:

• Website hosting

• Website analytics

• Customer relationship management

• Electronic forms

• Electronic signatures

• Email communications

• SMS communications

• Appointment scheduling

• Insurance quoting

• Application processing

• Data storage

• Cybersecurity

• Cloud services

• Business administration

These service providers may receive access to information only as necessary to perform services on our behalf.

9. We Do Not Sell Personal Information

Switch Life does not sell personal information to third parties in exchange for money.

We also do not rent consumer personal information to unrelated third parties for their own independent marketing purposes.

10. SMS and Mobile Information Privacy

If you provide your mobile telephone number and consent to receive text messages from Switch Life, we may use your mobile number to send communications such as:

• Quote follow-ups

• Appointment reminders

• Insurance application updates

• Customer service messages

• Account or policy-related communications

• Requested insurance information

• Marketing messages, when you have provided appropriate consent

Mobile information, SMS opt-in data, and consent will not be shared, sold, rented, or disclosed to third parties or affiliates for their own marketing or promotional purposes.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared with service providers that assist us in delivering SMS communications, but only as necessary to provide those services on our behalf.

You may opt out of SMS communications at any time by replying:

STOP

For assistance, reply:

HELP

Message frequency may vary. Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing insurance.

11. Email Communications

If you provide your email address, we may send communications related to:

• Insurance inquiries

• Quotes

• Applications

• Customer service

• Appointment reminders

• Policy-related matters

• Requested information

• Marketing communications, where permitted

You may unsubscribe from marketing emails using the unsubscribe link contained in applicable messages or by contacting us.

Transactional or service-related communications may still be sent when necessary.

12. Telephone Communications

If you provide your telephone number, we may contact you regarding your insurance inquiry, quote request, application, appointment, or customer service request.

Where legally required, we will obtain appropriate consent before sending certain automated or marketing communications.

13. Electronic Forms and Signatures

We may use electronic forms and electronic signature platforms to collect:

• Applications

• Authorizations

• Consents

• Disclosures

• Customer information

• Other insurance-related documentation

These platforms may collect technical information such as:

• IP address

• Date and time

• Browser information

• Device information

• Signature records

This information may be retained for compliance, verification, and recordkeeping purposes.

14. Information We May Receive From Third Parties

We may receive information about you from third parties involved in providing insurance-related services, including:

• Insurance carriers

• Insurance application platforms

• Quote platforms

• Licensed insurance professionals

• Marketing or lead-generation platforms where you requested information

• Identity verification providers

• Service providers

We use such information consistent with this Privacy Policy and applicable law.

15. Lead Information

If you submit your information through a third-party website, advertisement, social media form, or lead-generation platform, we may receive the information you voluntarily provided through that platform.

This may include:

• Name

• Phone number

• Email address

• ZIP code

• Insurance interest

• Other information provided through the form

We use this information to respond to your request and provide insurance-related information.

16. Information Sharing

We may disclose personal information in limited circumstances, including:

Insurance Transactions

We may share information with insurance carriers and related insurance partners when necessary to:

• Obtain quotes

• Submit applications

• Process insurance requests

• Service policies

• Complete underwriting

Service Providers

We may provide information to companies that perform services on our behalf.

Legal Requirements

We may disclose information if required to do so by:

• Law

• Court order

• Subpoena

• Government request

• Regulatory authority

• Legal process

Fraud and Security

We may disclose information when reasonably necessary to:

• Prevent fraud

• Protect consumers

• Protect our systems

• Investigate unauthorized activity

• Protect legal rights

• Comply with regulatory obligations

Business Transactions

If our business undergoes a merger, acquisition, restructuring, financing, or sale of assets, information may be transferred as part of that transaction, subject to applicable law.

17. Sensitive Personal Information

Some insurance transactions may involve sensitive personal information.

This could include:

• Health information

• Medical information

• Social Security numbers

• Financial information

• Identification documents

We use sensitive information only for purposes reasonably related to providing insurance services, processing applications, preventing fraud, or complying with legal obligations.

We do not use sensitive personal information for unrelated advertising purposes.

18. Health Information

Life insurance underwriting may require health-related information.

Health information may be provided directly to insurance carriers or insurance application platforms.

Switch Life may have access to certain health-related information when necessary to assist with insurance applications.

Any health information we receive is handled in accordance with applicable privacy and insurance laws.

19. Data Security

We use reasonable administrative, technical, and organizational safeguards intended to protect personal information.

These safeguards may include:

• Access controls

• Secure systems

• Password protections

• Limited employee access

• Secure service providers

• Electronic security measures

• Internal privacy practices

However, no internet transmission, electronic storage system, or database can be guaranteed to be completely secure.

You should avoid transmitting highly sensitive personal information through unsecured email or text message unless specifically instructed.

20. Data Retention

We retain personal information for as long as reasonably necessary to:

• Provide insurance services

• Maintain business records

• Respond to customer requests

• Comply with carrier requirements

• Comply with insurance regulations

• Resolve disputes

• Meet legal obligations

• Protect against fraud

• Enforce agreements

Retention periods may vary depending on the type of information, applicable law, regulatory requirements, and insurance carrier requirements.

21. Your Privacy Choices

Depending on your state of residence and applicable law, you may have certain rights regarding your personal information.

These may include the right to request:

• Access to personal information

• Correction of inaccurate information

• Deletion of certain information

• Information regarding how data is used

• Information regarding categories of third parties receiving data

• Opt-out of certain communications

Certain information may be exempt from deletion or other privacy requests when retention is required by law, regulation, insurance requirements, contractual obligations, or legitimate business purposes.

22. How to Submit a Privacy Request

You may submit a privacy-related request by contacting:

Email: info@switch-lifes.com
Phone: +1 (832) 408-7908

Please include enough information for us to identify your request.

For security purposes, we may need to verify your identity before fulfilling certain requests.

23. State Privacy Rights

Residents of certain states may have additional rights under applicable state privacy laws.

Depending on the applicable law, these rights may include:

• Right to know

• Right to access

• Right to correct

• Right to delete

• Right to obtain a copy of personal information

• Right to opt out of certain data uses

• Right to appeal certain privacy decisions

The availability of these rights depends on the state, type of information, and applicable exemptions.

Insurance-related information may also be subject to specific federal and state insurance privacy laws.

24. Authorized Agents

Where permitted by applicable law, you may authorize another person to submit a privacy request on your behalf.

We may require verification of the authorized agent's authority and your identity before processing the request.

25. Non-Discrimination

Where required by applicable law, we will not unlawfully discriminate against you for exercising applicable privacy rights.

Exercising a privacy right will not by itself affect your eligibility for insurance.

Insurance eligibility and premiums may still depend on legitimate underwriting criteria established by the insurance carrier.

26. Children’s Privacy

Our website and insurance services are intended primarily for adults.

We do not knowingly collect personal information directly from children under the age of 13 through our website.

Information regarding a minor that is necessary for an insurance application should be submitted by a parent, guardian, or legally authorized adult.

If you believe a child has submitted personal information to us improperly, please contact us.

27. Third-Party Websites

Our website may contain links to:

• Insurance carrier websites

• Quote platforms

• Insurance application portals

• Scheduling platforms

• Social media websites

• Other third-party services

We are not responsible for the privacy practices of those third-party websites.

We encourage you to review their privacy policies before submitting information.

28. Website Analytics

We may use analytics technologies to understand how visitors use our website.

Analytics data may help us understand:

• Number of visitors

• Pages viewed

• Time spent on the website

• Traffic sources

• Device types

• Website performance

This information helps us improve our website and user experience.

29. Advertising and Marketing

We may use advertising platforms to promote our services.

These platforms may use cookies, pixels, or similar technologies to measure advertising effectiveness.

We may also receive information when an individual voluntarily submits an insurance inquiry through an advertisement.

Where required, marketing communications will be subject to applicable consent and opt-out requirements.

30. Do Not Track

Some browsers offer a “Do Not Track” setting.

Because there is not currently a uniform industry standard for interpreting these signals, our website may not respond to all browser-based Do Not Track signals.

Where applicable law requires recognition of certain browser-based privacy signals, we will comply with those requirements.

31. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in:

• Our business practices

• Technology

• Insurance services

• Legal requirements

• Regulatory requirements

When changes are made, the updated policy will be posted on this page with a revised Effective Date.

We encourage you to review this Privacy Policy periodically.

32. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, contact:

Switch Health LLC dba Switch Life
9950 Westpark Drive, STE 326
Houston, Texas 77063

Phone: +1 (832) 408-7908
Email: info@switch-lifes.com
Website: www.switch-lifes.com