Effective Date: August 10, 2026

Ryan Hardin, Licensed Life Insurance Agent (“Ryan Hardin,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you provide when using this website, requesting an insurance quote, scheduling an appointment, submitting a form, or communicating with us by telephone, email, or text message.

Information We Collect

We may collect information that you voluntarily provide, including your name, email address, telephone number, mailing address, state of residence, age or date of birth, insurance needs, requested coverage amount, tobacco or nicotine use, health-related information, financial or household information relevant to insurance eligibility, appointment information, and other information you choose to provide.

We may also collect limited technical information when you visit this website, including your IP address, browser type, device information, pages visited, referring website, cookies, and website activity.

How We Use Your Information

We may use your information to:

Respond to insurance inquiries and quote requests.

Schedule and manage appointments.

Provide information about life insurance products and services.

Assist with insurance applications.

Provide customer service and follow-up communications.

Send appointment reminders and requested updates.

Maintain business, insurance, and compliance records.

Improve our website and services.

Prevent fraud, misuse, or unauthorized activity.

Comply with applicable insurance, privacy, telecommunications, and legal requirements.

Insurance Applications and Carriers

When you request an insurance quote or apply for coverage, certain information may be provided to insurance carriers, underwriting organizations, insurance application platforms, or other service providers involved in processing the insurance transaction you requested.

Providing information to an insurance carrier for a quote or application does not transfer your SMS or marketing consent to that carrier or any other third party.

SMS and Mobile Information

If you voluntarily provide your mobile telephone number and affirmatively opt in to receive text messages from Ryan Hardin, you may receive messages related to your insurance inquiry, quote request, appointment, application, customer service request, or other services you requested.

If you separately consent to marketing communications, you may also receive information regarding insurance products or services offered through Ryan Hardin.

Message frequency may vary.

Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing insurance or receiving an insurance quote.

You may opt out of receiving text messages at any time by replying STOP.

After replying STOP, you may receive a confirmation message confirming your opt-out.

For assistance, reply HELP or contact Ryan Hardin at:

Phone: [TOLL-FREE NUMBER]

Email: [SUPPORT EMAIL]

Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Opt-in data and consent will not be shared with third parties.

SMS opt-in information, mobile telephone numbers, and text-message consent will not be sold, rented, transferred, or provided to another company or organization for that company or organization to market to you.

Your consent to receive text messages from Ryan Hardin applies only to communications from Ryan Hardin unless you independently provide consent to another party.

Service providers that assist with website hosting, communications, customer relationship management, scheduling, or telecommunications may process information only as reasonably necessary to provide those operational services.

Cookies and Website Information

This website may use cookies and similar technologies for website functionality, security, analytics, performance measurement, and advertising attribution.

You may be able to control or disable certain cookies through your browser settings.

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 website, electronic transmission, or data-storage system can be guaranteed to be completely secure.

Data Retention

We may retain personal information for as long as reasonably necessary to:

Respond to your requests.

Provide insurance-related services.

Maintain required insurance and business records.

Resolve disputes.

Prevent fraud.

Meet legal and regulatory requirements.

Your Privacy Rights

Depending on your state of residence and applicable law, you may have certain rights regarding your personal information.

These rights may include requesting access to your information, requesting correction of inaccurate information, requesting deletion of certain information, or obtaining information regarding how your personal information is used.

To submit a privacy request, contact:

Email: [SUPPORT EMAIL]

We may take reasonable steps to verify your identity before processing certain requests.

Children’s Privacy

This website and the insurance services offered through it are intended for adults.

We do not knowingly solicit personal information from children under 18 through this website.

Third-Party Websites

This website may contain links to insurance carriers or other third-party websites.

Those organizations maintain their own privacy policies and practices.

Ryan Hardin is not responsible for the privacy, security, content, or practices of independent third-party websites.

Insurance Licensing

Ryan Hardin is a resident life insurance agent in the State of Florida and is licensed, subject to continuing license status, carrier appointment, product availability, underwriting requirements, and applicable law, in:

Florida, Texas, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Kansas, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wyoming, and Wisconsin.

Insurance product availability varies by state and insurance carrier.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, business practices, technology, or legal requirements.

The updated Privacy Policy will be posted on this website with a revised effective date.

Contact Information

If you have questions regarding this Privacy Policy, your personal information, or our SMS communications, contact:

Ryan Hardin, Licensed Life Insurance Agent

Phone: [TOLL-FREE NUMBER]

Email: [SUPPORT EMAIL]

Website: [WEBSITE URL]