Privacy Policy
Last Updated: September 7, 2026
Valorium Life (“Valorium Life,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.
This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit a form, request information about insurance products, communicate with us by telephone, email, or text message, or otherwise use our services.
By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
Personal Information You Provide
We may collect personal information that you voluntarily provide to us, including:
First and last name
Email address
Telephone number
Mailing address
City, state, and ZIP code
Date of birth or age
Information related to your mortgage, loan, or financial obligations
Insurance coverage interests and preferences
Beneficiary-related information
Information you provide while requesting an insurance quote or consultation
Information provided during telephone calls, text messages, emails, forms, or other communications with us
If you choose to apply for an insurance product, additional information may be requested as necessary to evaluate eligibility and submit an application to the applicable insurance carrier.
Depending on the product and carrier, this may include health, medical, financial, lifestyle, or other information relevant to insurance underwriting.
We only seek such information when reasonably necessary to assist with your insurance inquiry, application, or related services.
Usage and Device Information
When you visit our website, certain information may be collected automatically, including:
Internet Protocol (IP) address
Browser type and version
Device type
Operating system
Pages visited
Date and time of visits
Time spent on pages
Referring website or source
Unique device identifiers
General website interaction and diagnostic information
This information may be used to operate, secure, analyze, and improve our website and services.
2. Cookies and Tracking Technologies
We may use cookies, pixels, web beacons, tags, scripts, and similar technologies to operate our website, understand website usage, measure advertising effectiveness, and improve the user experience.
Cookies may include:
Essential Cookies: Necessary for the website and its features to function properly.
Functionality Cookies: Used to remember certain preferences or settings.
Analytics Cookies: Used to understand how visitors interact with our website and improve performance.
Advertising and Marketing Technologies: We may use advertising pixels or similar technologies to measure marketing campaigns, attribute inquiries, and deliver or measure relevant advertising.
You may configure your browser to refuse or delete cookies. Certain website features may not function properly if cookies are disabled.
3. How We Use Your Information
Valorium Life may use information we collect to:
Respond to insurance inquiries and requests
Provide information about life insurance, mortgage protection, final expense, or other insurance products and services
Provide insurance quotes or coverage illustrations when available
Schedule and conduct insurance consultations
Assist with insurance applications
Communicate with insurance carriers and other parties involved in processing an insurance application
Determine which insurance products or carriers may potentially fit your stated needs
Contact you by telephone, email, or text message when permitted
Follow up regarding an insurance inquiry or application
Provide customer service
Maintain records relating to inquiries, applications, and communications
Prevent fraud, misuse, or security incidents
Comply with applicable insurance, regulatory, legal, and recordkeeping requirements
Analyze and improve our website, advertising, services, and customer experience
Measure the effectiveness of our marketing campaigns
4. Insurance Applications and Insurance Carriers
Valorium Life may act as an insurance agency, producer, broker, or independent representative in connection with insurance products offered by one or more third-party insurance carriers.
Valorium Life is not necessarily the insurance carrier that issues an insurance policy.
If you choose to apply for insurance, information necessary to process your request or application may be provided to insurance carriers, insurance agencies, underwriting organizations, administrators, technology providers, or other parties reasonably necessary to facilitate the insurance application and underwriting process.
Insurance carriers may collect additional information directly from you or, with appropriate authorization where required, from third-party sources as part of their underwriting process.
Each insurance carrier may maintain its own privacy practices and policies.
Coverage, premiums, eligibility, underwriting classifications, and issuance of an insurance policy are subject to the terms, conditions, and underwriting requirements of the applicable insurance carrier.
5. Telephone and Text Message Communications
If you provide your telephone number and consent to communications, Valorium Life may contact you regarding your inquiry, requested insurance information, products, services, appointments, or related matters.
Where you separately provide consent to receive marketing or promotional text messages, we may send such messages in accordance with that consent.
Message frequency may vary. Message and data rates may apply.
You may reply STOP to a text message to opt out of future text messages from that messaging program. You may reply HELP for assistance.
Consent to receive marketing text messages is not a condition of purchasing any property, goods, or services.
We may use automated technology to facilitate communications where permitted by applicable law and consistent with the consent you provide.
Opting out of marketing text messages does not necessarily prevent us from communicating with you through other methods where legally permitted, including communications necessary to service an existing request, application, or policy.
6. How We May Share Your Information
We do not sell your personal information for monetary consideration.
We may disclose personal information when reasonably necessary for the purposes described in this Privacy Policy, including:
Insurance Carriers and Insurance-Related Parties
We may share information with insurance carriers, agencies, producers, administrators, underwriting organizations, and other insurance-related parties when necessary to provide quotes, evaluate available insurance options, submit applications, or service your request.
Service Providers
We may use third-party companies to help operate our business, including providers of:
Customer relationship management systems
Website hosting
Email services
Telephone and text messaging services
Appointment scheduling
Data storage
Analytics
Advertising and marketing technology
Customer support
Security and fraud prevention
These providers may process personal information as necessary to perform services on our behalf.
Legal and Regulatory Requirements
We may disclose information when we reasonably believe disclosure is necessary to:
Comply with applicable laws or regulations
Respond to lawful requests from government agencies, regulators, courts, or law enforcement
Protect our legal rights or property
Investigate suspected fraud or unlawful activity
Protect the safety of individuals
Establish, exercise, or defend legal claims
Business Transfers
If Valorium Life undergoes a merger, acquisition, restructuring, financing, sale of assets, or similar business transaction, personal information may be transferred as part of that transaction where permitted by law.
With Your Authorization
We may disclose information to other parties when you authorize or direct us to do so.
7. No Sale or Sharing of SMS Consent Information
Mobile information and consent obtained for SMS communications will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.
We may disclose information to vendors and service providers that assist us in delivering text messages and operating our communications systems, solely as necessary to provide those services.
Text messaging originator opt-in data and consent will not be shared with any third parties for their own marketing purposes.
8. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including providing requested services, maintaining business and insurance records, complying with legal and regulatory obligations, resolving disputes, preventing fraud, and enforcing agreements.
Retention periods may vary depending on the nature of the information and applicable insurance, legal, regulatory, contractual, and business requirements.
9. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
However, no method of transmission over the Internet or method of electronic storage is completely secure. Therefore, we cannot guarantee absolute security.
10. Third-Party Services and Websites
Our website may contain links to websites, services, insurance carriers, or other third parties that we do not operate.
We are not responsible for the privacy, security, content, or practices of third-party websites or services. We encourage you to review the privacy policies of any third-party website or service you use.
11. Advertising and Analytics
We may use third-party analytics and advertising services to understand website usage, measure marketing performance, and improve our advertising.
Depending on the technologies used on our website, these services may collect information through cookies, pixels, or similar technologies.
Third-party providers process information according to their own privacy policies and applicable agreements with us.
12. Children’s Privacy
Our services are intended for adults seeking information regarding insurance products and are not directed toward children under the age of 13.
We do not knowingly collect personal information directly from children under 13 through our website.
If we become aware that personal information has been collected directly from a child under 13 without appropriate authorization, we will take reasonable steps to delete it.
13. Your Privacy Choices
Depending on your location and applicable law, you may have certain rights regarding your personal information.
You may contact us to request that we:
Provide information about personal information we maintain about you
Correct inaccurate information
Delete certain information where legally permitted
Update your communication preferences
Certain information may need to be retained to satisfy legal, regulatory, insurance, fraud-prevention, contractual, or recordkeeping obligations.
You may opt out of marketing text messages by replying STOP to a message.
14. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes to our business, technology, insurance services, legal requirements, or privacy practices.
When we make changes, we will update the “Last Updated” date at the top of this page.
We encourage you to review this Privacy Policy periodically.
15. Contact Us
If you have questions regarding this Privacy Policy or our privacy practices, please contact:
Valorium Life
Phone: 484-972-0093