Privacy Policy:

Privacy Policy

Effective Date: May 12, 2025
Business Name: Timothy Rowell (D.B.A The Unpredictable Life Company)
Business Address: 1221 Providence Rd Scranton, PA 18508
Contact Information: (570) 616-8393 or cell (272) 770-9542

                                          TRowellLife@gmail.com

                                          Theunpredictablelifecompany.com

At The Unpredictable Life Company, your privacy and the security of your personal information are important to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our services, visit our website, or interact with us in the course of obtaining life insurance products.

1. Information We Collect

We may collect the following types of information from or about you:

Personal Information:

  • Name, address, phone number, email

  • Social Security number

  • Date of birth

  • Driver’s license or government-issued ID

Health Information:

  • Medical history

  • Prescriptions

  • Physician details

  • Other protected health information (PHI)

Financial Information:

  • Income and employment data

  • Bank account details (for premium payments)

  • Insurance history

Digital Information (if using our website):

  • IP address

  • Device/browser information

  • Cookies and usage data

2. How We Use Your Information

We use your information to:

  • Assist with insurance quotes and applications

  • Submit applications to insurance carriers

  • Communicate with you and respond to inquiries

  • Provide customer support

  • Meet legal and regulatory requirements

We do not sell your personal information.

3. Disclosure of Information

We may share your information only with the following, as needed:

  • Licensed Insurance Carriers for the purpose of underwriting, issuing policies, and servicing

  • Medical information providers and third-party vendors (e.g., MIB, lab services) if required for underwriting

  • Third-party service providers who support our operations (e.g., secure email, CRM, document storage)

  • Regulators or legal authorities, as required by Pennsylvania or federal law

All third-party partners are required to maintain confidentiality and use your information only for the permitted purpose.

4. Your Rights and Choices

Under applicable laws, you have rights to:

  • Access the information we hold about you

  • Correct inaccurate or outdated information

  • Withdraw consent to share information (subject to limits where required for regulatory or contractual purposes)

  • Request deletion of your information (where applicable)

To exercise these rights, contact us at [Insert Contact Email].

5. Data Security

We implement administrative, technical, and physical safeguards to protect your data, including:

  • Encrypted storage and transmission

  • Access controls and authentication

  • Regular security monitoring

Despite our efforts, no method of transmission or storage is 100% secure.

6. HIPAA and GLBA Compliance

If we receive or transmit protected health information (PHI) in the course of insurance application processing, we comply with the Health Insurance Portability and Accountability Act (HIPAA).

We also comply with the Gramm-Leach-Bliley Act (GLBA), which governs the handling of non-public personal financial information. As a financial services provider, we safeguard such data and offer you notice and control over its use.

7. Cookies and Website Tracking (if applicable)

Our website may use cookies or similar tracking technologies to improve your experience. You can control cookie settings through your browser. We do not use cookies for behavioral advertising or third-party marketing.

8. Third-Party Links

Our website may contain links to third-party websites, such as insurance carrier portals. We are not responsible for the privacy practices of those sites. We recommend reviewing their privacy policies before providing personal information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Effective Date” at the top of this page. Material changes will be posted on our website and, if applicable, communicated via email.

10. Contact Us

For questions or concerns regarding this Privacy Policy, please contact:

Timothy Rowell (A.K.A The Unpredictable Life Company)
1221 Providence Rd Scranton, PA 18508
(570) 616-8393 or cell (272) 770-9542
TRowellLife@gmail.com
Business Hours: Mon–Sat, 9 AM–9 PM EST and Sunday by appointment