MoneyBreath ("MoneyBreath," "we," "us," or "our") is a life insurance marketing website operated in connection with DWAH Financial. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit moneybreath.com (the "Site") or submit information through our quote request forms.
1. Information We Collect
When you request a quote or contact us, we may collect:
- Contact information: name, email address, phone number
- Demographic information: date of birth, gender, state of residence
- Insurance-related information: desired coverage amount, term length, and how soon you want coverage
- Health-related information: tobacco/nicotine use, height, weight, and existing health conditions, which you voluntarily provide to help estimate coverage options
- Technical information: IP address, browser type, and general usage data collected automatically through standard web technologies
We do not require you to submit health information to browse the Site. We only request it if you choose to complete a quote request form.
2. How We Use Your Information
- To provide you with life insurance quote estimates and coverage options
- To contact you by phone, email, or text message about your quote request or application
- To connect you with our licensed carrier partners (including Ethos Life and its underlying carriers) for the purpose of applying for coverage
- To improve our Site and marketing efforts
- To comply with insurance licensing and regulatory recordkeeping requirements in Maryland and Texas
3. SMS & Email Communications
If you provide your phone number and check the applicable consent box on our form, you agree to receive text messages from MoneyBreath related to your quote request and, if separately opted in, promotional messages. Message frequency varies, and message and data rates may apply. Reply STOP to opt out of text messages at any time, or reply HELP for assistance. Consent to receive texts is not a condition of purchasing any insurance product. All marketing emails include an unsubscribe link, and we comply with the CAN-SPAM Act.
4. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Insurance carriers and carrier platforms (such as Ethos Life) so that you can receive quotes and complete an application
- Our CRM and email/SMS service providers, who process your data on our behalf solely to operate our lead management and follow-up systems
- Regulators or legal authorities, where required by law
5. Data Security
We use reasonable administrative and technical safeguards to protect your information, including encrypted data transmission (HTTPS) and access-restricted systems. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
6. Data Retention
We retain lead and policyholder records for as long as necessary to service your request and to comply with insurance recordkeeping requirements, generally a minimum of five years as required by state insurance regulations.
7. Your Choices
- You may opt out of marketing emails at any time using the unsubscribe link in any email
- You may opt out of text messages at any time by replying STOP
- You may request that we delete your information by contacting us at support@moneybreath.com, subject to our legal recordkeeping obligations
8. Children's Privacy
Our Site is not directed to individuals under 18, and we do not knowingly collect information from minors.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The "Effective date" above reflects the most recent revision.
10. Contact Us
If you have questions about this Privacy Policy or how your information is handled, contact us at support@moneybreath.com.
MoneyBreath is operated by a licensed insurance producer. MD License #162598 | TX License #3207111. This page is provided for general informational purposes and does not constitute legal advice.
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