Afficiency Platform Privacy Policy

Afficiency Inc. (“Afficiency,” “we,” “us,” or “our”) operates a platform-as-a-service that enables carriers, distributors, and other business partners to offer life insurance products digitally. This Privacy Policy describes how we collect, use, disclose, and protect personal data in connection with the Afficiency platform and related services (collectively, the “Service”).

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, you should not use the Service.

Privacy Practices

Afficiency is committed to protecting the privacy and security of the personal information entrusted to us. We adhere to applicable federal and state privacy laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other applicable regulations. We implement administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

Whose Personal Data Is Collected

We may collect personal data from the following categories of individuals:

• Website users: Individuals who visit our website or interact with our online content.
• Portal users: Authorized users who access the Afficiency platform portal for administrative, reporting, or operational purposes.
• Insurance agents: Licensed agents and agency representatives who use the Service to offer and sell insurance products.
• Insurance purchasers: Individuals who apply for, purchase, or are covered under insurance products offered through the Service.

What Personal Data Is Processed

Depending on the nature of your interaction with the Service, we may collect and process the following categories of personal data:

• Full name, mailing address, email address, and telephone number
• Social Security Number (SSN) and date of birth
• Employment and financial information
• Health and medical information provided in connection with insurance applications
• Beneficiary information
• Government-issued identification numbers
• Device information, IP addresses, browser type, and usage data collected through cookies and similar technologies
• Any other personal information you voluntarily provide to us

How We Use Your Information

We use the personal data we collect for the following purposes:

• To process insurance applications, underwriting, and policy issuance
• To administer, service, and manage insurance policies
• To communicate with you regarding your application, policy, or account
• To comply with legal and regulatory obligations
• To prevent fraud and verify identity
• To improve the Service and develop new features
• To respond to your inquiries and provide customer support
• For analytics and reporting purposes

Disclosure of Personal Information

We may share personal information with the following categories of recipients:

• Insurance carriers and reinsurers involved in underwriting and policy administration
• Licensed insurance agents and agencies
• Third-party service providers who assist us in operating the Service (e.g., data hosting, analytics, identity verification)
• Government and regulatory authorities as required by law
• Affiliated entities within the Afficiency corporate family

We do not sell personal information to third parties for their direct marketing purposes.

Security of Your Information

We implement industry-standard security measures to protect your personal data, including encryption of data in transit and at rest, access controls, regular security assessments, and employee training. While no system can guarantee absolute security, we are committed to maintaining robust protections for the information entrusted to us.

Your Privacy Rights, Choice, and Access

Depending on your jurisdiction, you may have certain rights regarding your personal data, including the right to access, correct, delete, or restrict processing of your personal information. You may also have the right to opt out of certain data processing activities.

To exercise any of these rights or to make a privacy-related inquiry, please contact us at affigee@afficiency.com.

Consent to Processing and Transfer

By providing personal data to us, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you are located outside the United States, you understand and consent to the transfer and processing of your personal data in the United States. We take steps to ensure that personal data receives an adequate level of protection in the jurisdictions in which we process it.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will provide notice through the Service or by other appropriate means. Your continued use of the Service after such changes constitutes your acceptance of the revised Privacy Policy.

How to Report Requests

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

affigee@afficiency.com

Afficiency Inc.
200 Vesey Street
New York, NY 10281