Legal Information

Privacy Policy

*Last Updated: 1/30/2024*

At Sura Guard™, we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you interact with our website and services. By using the Sura Guard™ website and services, you agree to the practices described in this Privacy Policy. If you do not agree with these practices, please refrain from using our website and services.

Information We Collect

• 1: Personal Information: We may collect personal information, including your name, email address, and contact information, when you provide it to us voluntarily. This typically happens when you sign up for our services, contact us with inquiries, fill out a form/survey or subscribe to our newsletter.
• 2: Usage Data: When you use our website, we may automatically collect certain information about your device, browser, and how you interact with our site. This may include your IP address, browser type, pages visited, and the time and date of your visit.
• 3: Cookies: We use cookies and similar tracking technologies to enhance your browsing experience and collect information about how you use our website. You can control cookies through your browser settings.

How We Use Your Information

• 1: To Provide Services: We use your personal information to provide the services you request, including responding to your inquiries and processing your orders.
• 2: To Improve Our Website: We analyze usage data to optimize our website and services, making them more user-friendly and efficient.
• 3: To Send Updates and Promotions: If you opt in, we may call you, send you promotional emails, texts and newsletters about our products and services. You can opt out of these communications at any time.
• 4: To Protect Our Rights and Safety: We may use your information when necessary to enforce our Terms of Service, protect against fraudulent or illegal activities, or ensure the security and integrity of our website.

Disclosure of Your Information

Because Sura Guard™ operates as a digital matching platform to provide you with the best rates, we may share or sell your personal information to third parties to fulfill your request. We disclose your information in the following circumstances:

• 1: Licensed Agents & Partners: When you request a quote, we sell or share your information with our nationwide network of state-licensed insurance professionals and lead-matching partners so they can contact you with life insurance options tailored to your location.
• 2: Service Providers: We may share your information with trusted third-party vendors who assist us in delivering our services, managing our databases, or sending SMS/email communications.
• 3: Legal Obligations: We may disclose your information if required by law, to protect our legal rights, or in response to a court order.

State Privacy Rights & "Do Not Sell"

Depending on your state of residence (such as California, Virginia, or Colorado), you have specific rights regarding your personal data under state privacy laws. Because we may sell your lead information to insurance partners to provide your quote, you have the specific right to opt out of this sale.

• Opt-Out of Sale: You may request that we do not sell or share your personal information by contacting us directly.
• Data Deletion: You have the right to request the deletion of your personal data from our systems.

Security

We take data security seriously and employ industry-standard measures to protect your information. However, please be aware that no data transmission over the internet can be guaranteed to be 100% secure. While we strive to protect your information, we cannot guarantee its security.

Your Choices

• 1: Access and Correction: You can access and update your personal information by logging into your account (if applicable) or by contacting us.
• 2: Opt-Out: You can opt out of receiving promotional emails or texts from us by following the instructions in them.
• 3: Deletion: You can request the deletion of your account and personal information by contacting us. Please note that this may limit your access to some features of our services.

Children's Privacy

Our website and services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe that we have inadvertently collected such information, please contact us, and we will take the necessary steps to delete it.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of the page. Please review this policy periodically to stay informed about how we collect, use, and protect your data.

Contact Us

If you have any questions or concerns about this Privacy Policy or the way we handle your data, please contact us at [email protected].

By using Sura Guard's website and services, you agree to the practices described in this Privacy Policy. Your continued use of our services following any changes to this policy will constitute your acceptance of those changes.

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Terms & Conditions

*Last Updated: 1/30/2024*

These terms and conditions outline the rules and regulations for the use of the Sura Guard™ website located at www.SuraGuard.com.

By accessing this website, we assume you accept these terms and conditions in full. If you do not accept all of the terms and conditions stated on this page, do not continue to use Sura Guard™.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements:

• "Client," "You" and "Your" refers to you, the person accessing this website and accepting Sura Guard’s terms and conditions.
• "The Company," "Ourselves," "We," "Our" and "Us," refers to Sura Guard™.
• "Party," "Parties," or "Us," refers to both the Client and ourselves, or either the Client or ourselves.

License

Unless otherwise stated, Sura Guard™ and/or its licensors own the intellectual property rights for all material on Sura Guard™. All intellectual property rights are reserved. You may view and/or print pages from Sura Guard™ for your own personal use subject to restrictions set in these terms and conditions.

You must not:

• Republish material from Sura Guard™
• Sell, rent or sub-license material from Sura Guard™
• Reproduce, duplicate or copy material from Sura Guard™
• Redistribute content from Sura Guard™

User Comments

Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material, and data ('Comments') in areas of the website. Sura Guard™ does not screen, edit, publish, or review Comments prior to their appearance on the website, and Comments do not reflect the views or opinions of Sura Guard™, its agents or affiliates.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose, and/or the use of reasonable care and skill). Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury resulting from negligence;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law.

Variation of Terms

Sura Guard™ is permitted to revise these terms and conditions at any time as it sees fit, and by using this website you are expected to review such terms on a regular basis to ensure you understand all terms and conditions governing the use of this website.

Assignment

Sura Guard™ shall be permitted to assign, transfer, and subcontract its rights and/or obligations under these terms and conditions without any notification or consent required. However, you shall not be permitted to assign, transfer, or subcontract any of your rights and/or obligations under these terms and conditions.

Entire Agreement

These terms and conditions, including any legal notices and disclaimers contained on this website, constitute the entire agreement between Sura Guard™ and you in relation to your use of this website and supersede all prior agreements and understandings with respect to the same.

Dispute Resolution, Binding Arbitration, and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR LEGAL RIGHTS.

• Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to your use of the Sura Guard™ website, our services, or these Terms and Conditions (including alleged violations of the Telephone Consumer Protection Act [TCPA]) shall be resolved by binding, individual arbitration and not in a court of law.
• Class Action Waiver: You and Sura Guard™ agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You expressly waive your right to file a class action lawsuit or seek relief on a class basis.
• Governing Law & Jurisdiction: These terms and conditions will be governed by and construed in accordance with the laws of the United States and the State of Oregon. The arbitration will be administered under the rules of the American Arbitration Association (AAA) and governed by the Federal Arbitration Act (FAA).

If you have any questions or concerns regarding these terms and conditions, please contact us at [email protected].

Your business is valued.
Sura Guard™