1. Introduction

This Privacy Policy describes how Kyle Cearley ("Agent," "we," "us," or "our") collects, uses, discloses, and protects personal information from visitors to this website and individuals who engage with us via chat, phone, or email. This Policy is intended to comply with applicable federal law and the Arkansas Personal Information Protection Act (Ark. Code Ann. § 4-110-101 et seq.), as well as all other applicable Arkansas privacy and data protection laws.

By using this website or engaging with our chat service, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We may collect the following categories of personal data:

• Identifiers: Name, phone number, email address, and other contact details you provide voluntarily through the chat widget or direct communication.
• Communications Data: Content of messages, calls, or chat conversations initiated by you.
• Technical Data: IP address, browser type, device type, pages visited, and referring URLs — collected automatically when you visit this site.
• Sensitive Personal Data: We do not intentionally collect sensitive personal data (e.g., Social Security numbers, financial account information) through this website. Do not submit sensitive data through the chat widget.

3. How We Use Your Information

We use the personal data we collect for the following purposes:

• To respond to your inquiries and schedule consultations regarding life insurance products.
• To contact you by phone, text message, or email about insurance options relevant to your inquiry.
• To comply with applicable laws and regulations, including insurance licensing requirements.
• To improve the functionality and user experience of this website.
• To send follow-up communications related to your expressed interest in life insurance coverage.

4. How We Share Your Information

We do not sell your personal data to third parties. We may share your information in the following limited circumstances:

• Service Providers: Third-party platforms (such as our CRM and chat software, GoHighLevel) that support the operation of this website and our communication systems. These providers are contractually obligated to protect your data.
• Insurance Carriers: As necessary to facilitate a quote or policy application at your request.
• Legal Requirements: When required by law, court order, or government authority, including the Arkansas Department of Insurance.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with notice provided to you.

We do not sell, rent, or trade your personal information for advertising or marketing purposes unrelated to the insurance services you inquired about.

5. Your Privacy Rights

Under applicable Arkansas and federal law, you may have the following rights with respect to your personal data:

• Right to Know: You may request information about the personal data we hold about you and how it is used.
• Right to Correction: You may request that we correct inaccurate personal data we hold about you.
• Right to Deletion: You may request deletion of personal data we have collected about you, subject to certain legal exceptions, including insurance record-keeping obligations under Arkansas law.
• Right to Opt Out of Communications: You may opt out of marketing or promotional communications at any time by contacting us directly or replying STOP to text messages.

To exercise any of these rights, please contact us at:
Email: [email protected]
Phone: (870) 260-9154

We will respond to verified requests in a timely manner and will not discriminate against you for exercising your privacy rights.

6. Data Security and Breach Notification

We implement reasonable technical and organizational safeguards to protect your personal data against unauthorized access, loss, or misuse. In the event of a security breach involving your personal information, we will notify you as required by the Arkansas Personal Information Protection Act and any other applicable law. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal data only as long as necessary to fulfill the purposes outlined in this Policy, to comply with legal obligations (including insurance record-keeping requirements under Arkansas law), or to resolve disputes. When data is no longer needed, we take reasonable steps to securely delete or de-identify it.

8. Cookies and Tracking Technologies

This website may use cookies and similar technologies to enhance user experience and collect analytics data. These may include:

• Essential cookies: Required for basic website functionality.
• Analytics cookies: Help us understand how visitors interact with our site (e.g., page views, session duration).

You may configure your browser to refuse cookies; however, some features of the site may not function properly as a result.

9. Children's Privacy

This website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.

10. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their policies independently.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The revised Policy will be posted on this page with an updated effective date. Continued use of this website following changes constitutes your acceptance of the updated Policy.

12. Contact Us

For questions, concerns, or to exercise your privacy rights, please contact:

Kyle Cearley
Licensed Life Insurance Agent
1430 Gadsden Hwy STE 116, Birmingham, AL 35235
(870) 260-9154
[email protected]

1. Agreement to Terms

By accessing or using this website ("Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use this Site. These Terms apply to all visitors and users of the Site.

2. About This Site

This Site is operated by Kyle Cearley, a licensed life insurance agent in the state of Arkansas. The Site provides general information about life insurance and offers a means for individuals to connect with Kyle Cearley for a consultation. This Site does not constitute an offer or solicitation to sell any specific insurance product.

3. No Financial, Legal, or Tax Advice

The content on this Site is for general informational purposes only. Nothing on this Site constitutes financial advice, legal advice, tax advice, or a recommendation to purchase any specific insurance product or financial instrument. You should consult with a qualified professional advisor before making any financial, legal, or insurance-related decisions.

4. Communications Consent (TCPA)

By using the chat widget on this Site or by voluntarily providing your phone number or email address, you expressly consent to being contacted by Kyle Cearley or an authorized automated system (including an automated telephone dialing system and/or pre-recorded voice messages) at the number or address provided, for purposes of discussing life insurance products and services.

You understand that:

• Your consent is not a condition of purchasing any insurance product.
• Standard message and data rates may apply for text communications.
• You may opt out of text communications at any time by replying STOP.
• You may opt out of email communications by replying UNSUBSCRIBE or contacting us directly.
• This consent is subject to our Privacy Policy.

5. Accuracy of Information

We make reasonable efforts to ensure the information on this Site is accurate and up to date. However, insurance products, rates, laws, and regulations change frequently. We make no warranties, express or implied, regarding the completeness, accuracy, timeliness, or fitness for a particular purpose of any information on this Site.

6. Intellectual Property

All content on this Site, including text, graphics, logos, and design elements, is the property of Kyle Cearley or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without prior written permission.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Kyle Cearley shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site, including but not limited to loss of data, loss of income, or damage resulting from reliance on information presented on this Site.

Your sole remedy for dissatisfaction with this Site or its content is to stop using the Site.

8. Third-Party Services

This Site uses third-party tools, including GoHighLevel (GHL) for chat and CRM functionality. Your interactions with those tools are also subject to the respective third parties' terms of service and privacy policies. We are not responsible for the practices or content of third-party services.

9. Arkansas Law and Governing Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Arkansas, without regard to its conflict of law provisions. Any disputes arising from these Terms or use of this Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Arkansas.

Kyle Cearley complies with all applicable requirements of the Arkansas Insurance Code and regulations of the Arkansas Department of Insurance (ADI). For questions about your rights as an insurance consumer in Arkansas, you may contact the ADI at www.insurance.arkansas.gov or 1-800-282-9134.

10. Prohibited Use

You agree not to use this Site for any unlawful purpose or in any way that could:

• Violate any applicable federal, state, or local law or regulation.
• Infringe the rights of any third party, including intellectual property rights.
• Introduce malware, viruses, or other harmful code.
• Interfere with the normal operation of the Site or its servers.

11. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Contact

For questions about these Terms, please contact:

Kyle Cearley
Licensed Life Insurance Agent
1430 Gadsden Hwy STE 116, Birmingham, AL 35235
(870) 260-9154
[email protected]