Privacy Policy

These Terms of Use and this Privacy Policy (together, the "Terms") govern your access to and use of the website myadvocatefinancial.com (the "Site"), operated by Advocate Financial LLC ("Advocate Financial," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site.

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Part 1: Terms of Use

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1. Acceptance of Terms

By accessing, browsing, or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. We may modify these Terms at any time, and your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

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2. Eligibility

The Site is intended for use by individuals who are at least 18 years of age and reside in the United States. By using the Site, you represent and warrant that you meet these requirements.

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3. Description of Services

Advocate Financial is an insurance marketing organization that supports independent insurance agents and connects consumers with licensed insurance professionals. We are not an insurance company, and we do not underwrite or issue insurance policies. Insurance products referenced on the Site are underwritten and issued by third-party insurance carriers.

Content on the Site is provided for general informational purposes only and does not constitute insurance, financial, investment, legal, or tax advice. Product availability, benefits, premiums, and eligibility vary by carrier, product, and state. You should consult a licensed insurance agent or other qualified professional regarding your specific circumstances before making any purchasing decision.

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4. Communications Consent

By submitting your contact information through a form on the Site, you consent to receive communications from Advocate Financial and/or a licensed insurance agent by phone, email, and text message (SMS), including through automated technology and prerecorded or artificial voice messages, at the phone number and email address you provide. Consent is not a condition of purchase. Message and data rates may apply. You may opt out of text messages at any time by replying STOP, and you may unsubscribe from email communications using the link provided in each message.

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5. User Accounts

Certain features of the Site may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, current, and complete information and to notify us promptly of any unauthorized use of your account. We reserve the right to suspend or terminate accounts at our discretion.

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6. Acceptable Use

You agree not to:

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• Use the Site for any unlawful purpose or in violation of any applicable law or regulation

• Attempt to gain unauthorized access to the Site, its servers, or any connected systems

• Interfere with or disrupt the operation of the Site, including through viruses, bots, scrapers, or automated data collection

• Impersonate any person or entity, or misrepresent your affiliation with any person or entity

• Submit false, misleading, or fraudulent information through any form on the Site

• Copy, reproduce, distribute, or create derivative works from Site content without our prior written permission

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7. Intellectual Property

All content on the Site — including text, graphics, logos, images, designs, videos, and software — is the property of Advocate Financial or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. The Advocate Financial name, logo, and related marks may not be used without our prior written consent. Nothing in these Terms grants you any right, title, or interest in the Site or its content other than a limited, revocable license to access and use the Site for personal, non-commercial purposes.

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8. Third-Party Links and Content

The Site may contain links to third-party websites, including insurance carriers, government resources, and service providers. These links are provided for convenience only. We do not control and are not responsible for the content, accuracy, privacy practices, or availability of third-party sites, and a link does not imply our endorsement. Your use of third-party sites is at your own risk and subject to their terms and policies.

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9. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY CONTENT IS ACCURATE, COMPLETE, OR CURRENT.

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10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ADVOCATE FINANCIAL AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE SITE EXCEED ONE HUNDRED DOLLARS ($100). SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

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11. Indemnification

You agree to indemnify, defend, and hold harmless Advocate Financial and its owners, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any law or the rights of any third party.

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12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Indiana, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Allen County, Indiana, and you consent to the personal jurisdiction of those courts. You agree that any claim must be brought within one (1) year after it arises, or it is permanently barred, to the extent permitted by law.

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13. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any conduct that we believe violates these Terms or is harmful to other users, us, or third parties. Provisions of these Terms that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnification) shall survive.

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14. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with the Privacy Policy below, constitute the entire agreement between you and Advocate Financial regarding your use of the Site.

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Part 2: Privacy Policy

Advocate Financial is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit the Site.

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1. Information We Collect

Personal Information You Provide

We may collect personally identifiable information that you voluntarily provide to us when you:

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• Fill out a contact or inquiry form

• Request a consultation, quote, or insurance-related services

• Subscribe to our newsletter or email communications

• Create an account on the Site

• Communicate with us by phone, email, text message, or other means

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This information may include your name, email address, phone number, mailing address, date of birth, and any health, financial, or insurance-related information you choose to share in connection with our services.

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Automatically Collected Information

When you visit the Site, we may automatically collect certain technical information, including:

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• IP address and general geographic location

• Browser type and version

• Pages visited and time spent on the Site

• Referring URL and exit pages

• Device type and operating system

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This information is collected through cookies and similar tracking technologies (see Section 5 of this Privacy Policy).

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2. How We Use Your Information

We use the information we collect for purposes including:

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• Providing, operating, and improving our website and services

• Connecting you with a licensed insurance agent and responding to your inquiries

• Sending you relevant updates, newsletters, or marketing communications (where permitted by law and consistent with your consent)

• Complying with applicable legal and regulatory obligations, including insurance and Medicare marketing regulations

• Detecting, preventing, and addressing technical issues or fraud

• Analyzing site usage trends to improve user experience

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3. Disclosure of Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

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Licensed Agents and Carriers

If you request a quote, consultation, or enrollment assistance, we may share your information with licensed insurance agents in our network and, where applicable, with insurance carriers, solely to fulfill your request.

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Service Providers

We may share information with trusted third-party vendors who assist us in operating the Site or conducting our business (e.g., email platforms, analytics providers, CRM systems). These parties are contractually obligated to keep your information confidential and use it only for the services they provide to us.

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Legal Requirements

We may disclose your information if required to do so by law or in response to valid legal processes, such as a subpoena, court order, or government inquiry.

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Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on the Site of any change in ownership.

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Protection of Rights

We may disclose information where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, or situations involving potential threats to the safety of any person.

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4. Financial and Health Information; Regulatory Compliance

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Advocate Financial operates in the insurance and financial services industry. Any nonpublic personal financial information you provide is handled in accordance with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA). Where we receive health information in connection with insurance products, we handle it in accordance with applicable privacy and insurance regulations. We maintain appropriate administrative, technical, and physical safeguards to protect your nonpublic personal information.

We are not responsible for and do not control the privacy practices of third-party insurance carriers, financial institutions, or other partners to whom we may refer you.

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5. Cookies and Tracking Technologies

The Site may use cookies, web beacons, and similar tracking technologies to enhance your browsing experience and collect usage data. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent; however, some features of the Site may not function properly without cookies.

We may use third-party analytics services such as Google Analytics to help us understand how visitors use the Site. These providers have their own privacy policies governing the use of such information.

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6. Text Message (SMS) Privacy

If you opt in to receive text messages from us, we will use your mobile number solely to send the communications you have consented to receive. Mobile opt-in data and consent are not shared with third parties for their own marketing purposes. You may opt out at any time by replying STOP.

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7. Data Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

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8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (including insurance record-retention requirements). When your information is no longer needed, we will securely delete or anonymize it.

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9. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including:

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• The right to access the personal information we hold about you

• The right to request correction of inaccurate information

• The right to request deletion of your personal information (subject to legal obligations)

• The right to opt out of marketing communications at any time

• The right to data portability, where applicable

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To exercise any of these rights, please contact us using the information provided in Section 12 of this Privacy Policy. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

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California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale or sharing of personal information. We do not sell personal information. To submit a California privacy request, please contact us at the address below.

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10. Children's Privacy

The Site is not directed to individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected such information, we will take steps to delete it promptly. If you believe a child has provided us with personal information, please contact us immediately.

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11. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we are protecting your information. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.

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12. Contact Us

If you have any questions, concerns, or requests regarding these Terms of Use, this Privacy Policy, or our data practices, please contact us at:

Advocate Financial LLC

Fort Wayne, Indiana

Website: myadvocatefinancial.com

Email: info@myadvocatefinancial.com