Privacy Policy

Effective Date / Last Updated: October 2, 2025

RLR Holdings, LLC DBA The Equity Group ("Company", "we", "us", or "our") values your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use our website (the "Site").

1. INFORMATION WE COLLECT

We may collect the following categories of information:

• Contact information (e.g., name, phone number, email)
• Demographic and state-level information (e.g., age, ZIP code, state)
• Device and session data (e.g., IP address, browser/device fingerprint, referral source, pages visited, time on site)
• Phone verification data (e.g., phone number, carrier information, verification codes used for authentication)
• Limited health-related data (for quote matching purposes only)

2. HOW WE USE YOUR INFORMATION

Your information is used to:

• Connect you with the licensed life insurance agent listed on your quote who may assist with your quote or coverage options
• Send follow-up communications, including calls, texts, or emails (some automated)
• Improve our site experience and advertising performance
• Ensure compliance with legal obligations (TCPA, CAN-SPAM, state laws)
• Verify your phone number and identity through third-party providers (e.g., Twilio). Verification data is processed solely for security and fraud prevention purposes, and routinely scrubbed from our database once no longer needed.

3. DATA SHARING

We may share your information only with the following parties:

• The licensed life insurance agent or agency assigned to your quote, who has enrolled in our services. These entities are prohibited from reselling or redistributing your information.
• Marketing and analytics providers (e.g., Facebook Pixel, Google Analytics, Supabase, Netlify) for performance measurement and site functionality.
• Third-party communication providers, including Twilio, for phone validation, line type intelligence, line status checks, one-time password (OTP) verification, and Silent Network Authentication (SNA). These providers process your data solely to enable fraud prevention and secure communication.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to RLR Holdings LLC (d/b/a The Equity Group) or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.

We do not sell or share your information with unrelated or unlicensed third parties. All sharing is done to fulfill the service you requested or as legally required. Your information is only shared on a strict 1:1 basis and never sold to unrelated data brokers. All sharing is conducted in accordance with applicable laws and regulations, including TCPA, CAN-SPAM, and state laws.

4. TRACKING & COOKIES

Our Site uses cookies and third-party tracking tools (including but not limited to Facebook Pixel, Google Analytics, Google Ads, YouTube, LinkedIn, and TikTok) to enhance your experience, improve ad targeting, and enable remarketing/retargeting across these platforms. This means you may see ads for our services on Google, YouTube, Facebook, or other sites after visiting our website. You can manage your preferences or opt out via your browser settings or at https://optout.aboutads.info.

5. DATA SECURITY

We implement industry-standard security practices including SSL encryption, firewalls, and role-based access through Supabase. While no system is 100% secure, we take reasonable precautions to safeguard your information.

6. YOUR RIGHTS

If you are a U.S. resident, you have the right to:

• Request access to the personal data we’ve collected about you
• Request deletion of your personal data (subject to legal and contractual obligations)
• Opt-out of having your data shared with agents (by contacting us below)

7. CHILDREN’S PRIVACY

This Site is intended only for users age 18 and older. We do not knowingly collect or solicit data from children under 18.

8. CONSENT TO COMMUNICATION

By submitting your information, you consent to be contacted by a licensed agent by phone, text message, or email — including via automated technology or prerecorded messages — even if your number is listed on a Do Not Call registry. Standard messaging rates may apply. You may opt out at any time.

9. CHANGES TO THIS POLICY

We may revise this Privacy Policy at any time. Updates will be reflected with a new effective date above. Continued use of our Site indicates your agreement with the most recent version.

11. DATA RETENTION

We retain personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, including verification, quoting, compliance, and fraud-prevention. After this period, data is routinely deleted or anonymized from our systems in accordance with applicable laws and regulations.

12. CONTACT

If you have questions or would like to exercise your rights, please email us at: aroy@rlrholdingsllc.com