Privacy Policy
Effective date: October 3, 2026
NOIR LIFE ("NOIR LIFE," "we," "us") is an independent insurance agency that operates noirlife.net. This policy explains what information we collect, how we use it, and the choices you have.
Information we collect
- Information you give us, such as your name, phone number, date of birth, preferred language, and anything you share when you request a quote or speak with an agent.
- Technical information collected automatically, such as IP address, browser type, device, pages viewed, and the date and time of your visit.
- Records of our communications with you, including calls, texts, and emails.
How we use your information
- To respond to your quote request and contact you about life insurance options, including Indexed Universal Life (IUL).
- To help you apply for coverage and to service your policy.
- To send texts, calls, and emails you have agreed to receive.
- To operate, secure, and improve our website, and to meet legal and licensing obligations.
Text messaging (SMS) information
Mobile phone numbers and text messaging consent collected through our website are used only to communicate with you about your inquiry and our services. We do not sell, rent, or share mobile information or SMS consent with third parties or affiliates for their marketing or promotional purposes. See our SMS Terms & Conditions for how to opt out.
How we share information
- With insurance carriers and their underwriting and administrative partners, when needed to quote, underwrite, issue, or service a policy you request.
- With service providers that help us run our business, such as hosting, CRM, communications, and messaging providers, who may use the information only to perform services for us.
- With regulators, courts, or others when required by law, or to protect rights, safety, and property.
- In connection with a merger, sale, or reorganization of our business.
We do not sell your personal information.
Cookies and analytics
We may use cookies and similar technologies to keep the site working and to understand how it is used. You can control cookies through your browser settings.
How long we keep information
We keep information for as long as needed to provide our services and to meet legal, licensing, and record-keeping requirements, and then delete or de-identify it.
Security
We use reasonable administrative, technical, and physical safeguards. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
Your choices and rights
You can ask us to access, correct, or delete your personal information, or to stop contacting you. Depending on where you live, you may have additional rights under state privacy laws. To make a request, contact us using the details below. To stop text messages, reply STOP to any message. To stop calls or emails, tell us or use the unsubscribe link.
Children
Our website is intended for adults. We do not knowingly collect information from anyone under 18.
Third-party sites
Our site may link to other websites, including carrier sites. We are not responsible for their privacy practices.
Changes to this policy
We may update this policy from time to time. The effective date above shows when it was last changed.
Contact us
NOIR LIFE
Phone: (305) 690-3746
Email: miguel.villar@noirlife.net