Privacy Policy

coifi-digitalo ("Company," "we," "our," or "us") provides financial protection and life planning solutions to clients across the United States. This Privacy Policy explains our practices regarding the collection, use, disclosure, and protection of personal information. By accessing our website or engaging our services, you acknowledge that you have read and understood this Policy.

Information we collect. We may collect personal identifiers (such as name, email address, postal address, telephone number), demographic information, financial details necessary to assess coverage options, limited health information when permitted and required for underwriting, and communications you send to us. We also collect technical data such as IP address, device characteristics, and browsing activity via cookies and similar technologies to maintain site performance, security, and preferences.

How we use information. We use personal information to provide and improve services; respond to inquiries; evaluate eligibility and submit applications to carriers with your authorization; personalize content; conduct analytics; maintain security and prevent fraud; comply with legal obligations; and communicate about updates, appointments, and relevant offerings. We limit our processing to what is appropriate and necessary for the purposes described here.

Sharing of information. We may share information with insurance carriers, managing general agents, third-party administrators, medical exam providers (when applicable), technology vendors who support our operations, and professional advisors (such as legal or tax consultants) under appropriate contractual safeguards. We may disclose information when required by law, in response to valid legal processes, to protect the rights and safety of clients or the Company, or in connection with a business transaction such as a merger, acquisition, or asset transfer.

Cookies and tracking. We use cookies and similar tools to remember preferences, enable essential functionality, and analyze usage patterns. You can manage cookie settings through your browser. Disabling certain cookies may affect site functionality. Where required by law, we request consent for non-essential cookies through a banner on our site.

Data security. We employ administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. Measures include access controls, encryption in transit where appropriate, secure storage, logging, and staff training. Despite our efforts, *** method of transmission or storage is perfectly secure, and we encourage you to use strong passwords and exercise caution when sharing sensitive details online.

Data retention. We retain personal information for as long as needed to fulfill the purposes described, meet legal or regulatory requirements, resolve disputes, and enforce agreements. When retention is *** longer necessary, we take steps to delete or de-identify information in accordance with applicable laws and our policies.

Your choices. You may update contact details, request access or correction, or opt out of certain communications by contacting us using the details below. If you are a resident of a state with specific privacy rights (for example, California), you may have additional rights regarding access, deletion, or portability. We will verify your identity before acting on eligible requests and respond within required timelines.

Children’s information. Our services are intended for individuals who can form legally binding agreements. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, please contact us and we will take appropriate action.

Third-party links. Our website may include references to internal resources and partner pages. We are not responsible for the practices of any external sites that may be accessed from such references. We encourage you to review the privacy statements of those sites before providing information. For legal terms related to coverage, see our internal Legal page and related resources.

International transfers. We operate in the United States. If you access our site from outside the U.S., you understand that your information may be processed and stored in the U.S., where laws may differ from those in your jurisdiction.

Changes to this Policy. We may update this Privacy Policy from time to time to reflect operational, legal, or regulatory changes. The "Last updated" date will be revised accordingly. Material changes will be highlighted on this page or communicated through other appropriate channels.

Contact us. If you have questions about this Policy or wish to exercise privacy rights, contact: coifi-digitalo, 455 Market St, San Francisco, CA 94105; phone + (1) 415 298-64-21; email coifi-digitalo.com@outlook.com. We will respond within a reasonable period consistent with applicable law.

Last updated: 2025-08-24.