Privacy Policy - North Star Insurance Advisors

Protecting your private information is our priority. This Statement of Privacy applies to northstaria.com and North Star Insurance Advisors, LLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to North Star Insurance Advisors, LLC include northstaria.com and North Star. The North Star website is a Life Insurance Marketing and Telesales site. By using the North Star website, you consent to the data practices described in this statement.

Collection of your Personal Information
North Star may collect anonymous demographic information, which is not unique to you, such as your:

– Age

– Gender

– Race

– Religion

– Political Affiliation

– Household Income

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Sharing Information with Third Parties
North Star may sell, rent, or lease customer information to third parties for the following reasons:

Partner Companies

North Star may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. North Star may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to North Star, and they are required to maintain the confidentiality of your information.

SMS Program

We do not sell or share your personal information with third-parties or affiliates, including phone number(s), collected in connection with the SMS Program or SMS consent. See SMS Terms for SMS Program details.

North Star may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on North Star or the site; (b) protect and defend the rights or property of North Star; and/or (c) act under exigent circumstances to protect the personal safety of users of North Star, or the public.

Opt-Out of Sale or Disclosure of Personal Information to Third Parties
In connection with any personal information we may sell or disclose to a third party for a business purpose, you have the right to know:

• The categories of personal information about you that we sold and the categories of third parties to whom the personal information was sold; and

• The categories of personal information that we disclosed about you for a business purpose.

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the sale or disclosure of your personal information. If you exercise your right to opt-out of the sale or disclosure of your personal information, we will refrain from selling or disclosing your personal information, unless you subsequently provide express authorization for the sale or disclosure of your personal information. To opt-out of the sale or disclosure of your personal information, visit this Web page northstaria.com/contact-us.

Tracking User Behavior
North Star may keep track of the websites and pages our users visit within North Star, in order to determine what North Star services are the most popular. This data is used to deliver customized content and advertising within North Star to customers whose behavior indicates that they are interested in a particular subject area.

Pixel Events

Automatically Collected Information
Information about your computer hardware and software may be automatically collected by North Star. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the North Star website.

Use of Cookies
The North Star website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize North Star pages, or register with North Star site or services, a cookie helps North Star to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same North Star website, the information you previously provided can be retrieved, so you can easily use the North Star features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the North Star services or websites you visit.

Security of your Personal Information
North Star secures your personal information from unauthorized access, use, or disclosure. North Star uses the following methods for this purpose:

– SSL Protocol

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Right to Deletion
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

• Delete your personal information from our records; and

• Direct any service providers to delete your personal information from their records.

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

• Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;

• Debug to identify and repair errors that impair existing intended functionality;

• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

• Comply with the California Electronic Communications Privacy Act;

• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

• Comply with an existing legal obligation; or

• Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Children Under Thirteen
North Star does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe from Third Party Communications
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of North Star by contacting us here:
– Web page: northstaria.com/contact-us
– Email: admin@northstaria.com
– Phone: (877) 847-5265

E-mail Communications
From time to time, North Star may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from North Star or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from North Star, you may opt out of such communications by opting out within emails.

External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.

Changes to this Statement
North Star reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

SMS Text Message Terms and Conditions

LAST REVISED: 9/7/2024

Applicability

The following terms and conditions apply to the North Star Insurance Advisors, LLC (collectively, “we”, “us” or “our”) text messaging program (the “Program”). Please read these terms and conditions carefully. By enrolling in the Program, you agree to these terms and conditions.

Consent

By enrolling in the Program, you give consent for us to send you marketing, informational, and account-related text messages using an autodialer at the telephone number provided by you at enrollment. You acknowledge that your consent to receive these text messages is not required to purchase any goods or services and you may opt-out of the Program at any time as described below.

Program Description and Cost

We may contact you to provide you with information about our products, services, business operations, special offers, and promotions. We do not charge any fee to participate in the Program. Message and data rates may apply as provided in your mobile telephone service plan (please contact your mobile carrier for details).

Message Frequency

We anticipate a typical Program participant will receive approximately [#] messages per month; however, the number of text messages you receive will vary depending on our promotions during any month and may exceed or fall below the anticipated amount.

Supported Carriers

Supported carriers include AT&T, Verizon, T-Mobile, and other major national and regional carriers.

Supported carriers are not responsible for the Program and may not be held liable for any delayed or undelivered messages or any claim arising in connection with the Program.

Opt-Out

You may opt-out of the Program by emailing admin@northstaria.com. You may then receive one message confirming your opt-out. If you are participating in any other text message programs provided by us, you must opt out of those programs separately.

Customer Support

You may obtain assistance with the Program by emailing us at admin@northstaria.com.

Your Mobile Number & Indemnification

You represent that you are the account holder for the mobile telephone number you provided and that you are a United States resident 18 years of age or older. If your phone number changes, you must notify us immediately at admin@northstaria.com. You agree to indemnify us for all claims, expenses and damages related to or caused in whole or in part by your failure to notify us immediately of a change in your telephone number.

Disclaimer of Warranties

The Program and all information conveyed by it are provided to you on an “AS-IS” and “AS AVAILABLE” basis, and AT YOUR OWN RISK TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW. To the fullest extent permitted under applicable law, we disclaim all warranties, whether express or implied, including without limitation, any warranties of title, merchantability, non-infringement and fitness for a particular purpose and all warranties regarding security, currency, correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability. We are not responsible for cellular network or equipment performance and you release us of any liability for claims based on hardware, software, electronic, network or other communications malfunctions such as incomplete messages, delayed transmissions or any technical difficulty that may limit your ability to send or receive a message.

Your use of the Program is subject to our Privacy Policy.

Contact Information
North Star welcomes your questions or comments regarding this Statement of Privacy. If you believe that North Star has not adhered to this Statement, please contact North Star at:

North Star Insurance Advisors, LLC
100 Mall Pkwy
Wentzville, Missouri 63385

Email Address:
admin@northstaria.com

Telephone number:
(877) 847-5265

Effective as of June 24, 2020