Privacy Policy

1. Who We Are

TermShield is operated by Jolive Inc ("we," "us," or "our"). We connect consumers with licensed insurance agents to help them obtain term life insurance quotes. For questions, contact us at infocare@joliveinc.com.

2. Information We Collect

When you submit a quote request, we collect:

• Contact information: first name, last name, email address, phone number, ZIP code
• Quote preferences: age, tobacco use, desired coverage amount, term length, preferred contact method and time
• Consent metadata: the text of the consent agreement you agreed to and the timestamp when consent was given
• Technical data: IP address, browser user agent, HTTP referrer, and UTM/campaign tracking parameters (utm_source, utm_medium, utm_campaign, utm_term, utm_content)
• Optional notes: any additional information you voluntarily provide

3. How We Use Your Information

• To connect you with a licensed insurance agent for a term life quote follow-up
• To send service communications related to your quote request (via phone, email, or text, per your preference)
• To improve our service and prevent spam/duplicate submissions
• To comply with applicable laws and regulations

We do not sell your personal information to third parties.

4. Data Retention

We retain your information for as long as necessary to fulfill the purposes described in this policy or as required by law. [Specific retention periods — placeholder; to be updated prior to launch.]

5. Opt-Out Instructions

Email: Reply "UNSUBSCRIBE" to any email we send, or email infocare@joliveinc.com with "Unsubscribe" in the subject line.

Text/SMS: Reply STOP to any text message we send. Standard message rates may apply.

Phone: Request to be placed on our do-not-call list by contacting us at infocare@joliveinc.com.

6. Security

We use industry-standard security measures to protect your information. However, no method of transmission over the internet is 100% secure.

7. Contact Us

For privacy-related questions or requests, contact: infocare@joliveinc.com