Cookie Policy

Necessary for the Site's basic functioning: maintaining your session in the ACA quoting tool, remembering progress through a multi-step form, and ensuring security (CSRF protection, load balancing on Hostinger). These cannot be disabled through the preference panel because the Site would not function properly without them.

We use Google Analytics to understand aggregate visitor behavior (page views, time on site, traffic source) and Google Search Console to monitor the Site's search performance. This data is used in aggregate and is not used to make individual underwriting decisions.

The Site is currently promoted through an organic SEO strategy and does not use paid Meta/Facebook advertising. If Meta Pixel or another advertising tool is implemented in the future, this section will be updated to describe its purpose, and appropriate consent will be requested before activating such cookies, in accordance with Meta's health-data policies.

When you first visit the Site, a cookie notice will allow you to accept essential cookies only, or also accept analytics (and advertising, if applicable) cookies. You may change your preferences at any time via the "Cookie Preferences" link in the footer, or by clearing cookies through your browser settings.

• Google LLC (Analytics, Search Console) — subject to Google's Privacy Policy.

• Meta Platforms, Inc. (Pixel) — only if implemented in the future, subject to Meta's Data Policy.

• Telnyx LLC — does not place browsing cookies; processes communication data (calls/SMS) as described in the Privacy Policy.