Effective Date: January 17, 2024
 

Introduction

M.J. Life LLC ("we" or "us") is committed to protecting the privacy of your personal information. This Privacy Policy explains what information we collect about you, how we use it, and under what circumstances we may disclose it. Please read this Privacy Policy carefully before using our website or submitting any personal information.
 

Information We Collect
 

We collect two types of information from you:

• Personal Information: This includes information that can be used to identify you, such as your name, email address, phone number, date of birth, Social Security number, and health information.

• Non-Personal Information: This includes information that cannot be used to identify you, such as your browser type, IP address, and browsing history.
   

We collect Personal Information in two ways:

• Directly from you: We collect Personal Information from you when you submit it to us through our contact form. This may include information such as your name, email address, and phone number.

• From third parties: We may also receive Personal Information about you from third parties, such as insurance carriers and consumer reporting agencies.
   

We collect Non-Personal Information automatically when you visit our website. This information is used to improve the performance of our website and to understand how visitors use our site.
 

How We Use Your Information
 

We use your Personal Information to:

• Create quotes for life insurance policies.

• Communicate with you about your life insurance needs.

• Send you marketing materials about our products and services.

• Prevent fraud and comply with the law.
   

We use your Non-Personal Information to:

• Improve the performance of our website.

• Analyze how visitors use our website.

• Personalize your experience on our website.
   

Sharing Your Information
 

We may share your Personal Information with third parties under the following circumstances:

• With your consent: We will share your Personal Information with third parties if you give us your consent to do so.

• With service providers: We may share your Personal Information with third-party service providers who help us operate our website and business. These service providers are obligated to keep your information confidential and to use it only for the purposes we have authorized.

• To comply with the law: We may disclose your Personal Information if we are required to do so by law, such as in response to a court order or subpoena.

• To prevent fraud: We may disclose your Personal Information if we believe it is necessary to prevent fraud or abuse.
   

We will not sell your Personal Information to any third party.
 

Your Choices
 

You have the following choices regarding your Personal Information:

• You can refuse to provide us with your Personal Information. However, if you do not provide us with your Personal Information, we may not be able to create quotes for life insurance policies or communicate with you about your life insurance needs.

• You can opt out of receiving marketing materials from us by clicking the "unsubscribe" link in any of our marketing emails.

• You can request to access, correct, or delete your Personal Information by contacting us at info@mj-life.com.
   

Data Security
 

We take reasonable steps to protect your Personal Information from unauthorized access, disclosure, alteration, or destruction. However, no security system is perfect, and we cannot guarantee the security of your information.
 

Children's Privacy
 

Our website is not intended for children under the age of 13. We do not knowingly collect Personal Information from children under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us.
 

Changes to this Privacy Policy
 

We may update this Privacy Policy from time to time. We will post any changes on our website so that you are always aware of what information we collect, how we use it, and under what circumstances we may disclose it.
 

Contact Us
 

If you have any questions about this Privacy Policy, please contact us at:

info@mj-life.com

(248)938-6516
 

Compliance with Michigan Law

This Privacy Policy is intended to comply with the Michigan Insurance Data Privacy Act (MIDPA).