Privacy Policy

Last Updated: April 6, 2026 · Effective Date: April 6, 2026

1. Who We Are

RateGuard Life ("we," "us," or "our") is a brand operated by BlackShark Systems, Inc., a lead generation company. We operate the website rateguardlife.com and related services. We are not an insurance carrier, agent, or broker. We provide educational content about life insurance rates and connect consumers with licensed insurance professionals.

2. Information We Collect

2.1 Information You Provide

When you use our services, we may collect:

• Contact Information: Full name, email address, phone number, and mailing address
• Demographic Information: Date of birth, gender, state of birth, and number of dependents
• Health Information: Height, weight, tobacco use, medical conditions, and general health status
• Financial Information: Annual income and coverage amount preferences
• Insurance Preferences: Coverage type, coverage goals, desired start date, and beneficiary information

2.2 Information Collected Automatically

When you visit our website, we automatically collect:

• Device and Browser Data: IP address, browser type, operating system, device type, and screen resolution
• Usage Data: Pages visited, time spent on pages, click patterns, and referring URLs
• Location Data: Approximate geographic location derived from your IP address or ZIP code
• Tracking Data: Cookies, pixel tags, and similar technologies from our analytics partners including PostHog, Meta (Facebook), and Google

2.3 Information from Third Parties

We may supplement your information with data from public records, census data, and third-party data providers to improve our services.

3. How We Use Your Information

We use the information we collect to:

• Match you with licensed insurance agents and carriers who can offer you life insurance products
• Provide educational content about life insurance rates and comparisons
• Contact you by phone, email, text message (SMS/MMS), and other communication channels regarding insurance products and services
• Share, transfer, or sell your information to third-party insurance agents, carriers, marketing partners, and lead buyers
• Improve our website, services, and content
• Send you marketing communications about related products and services
• Comply with legal obligations and enforce our Terms of Service
• Detect and prevent fraud, abuse, and security incidents

4. How We Share and Sell Your Information

We share and/or sell your personal information with the following categories of third parties:

• Insurance Agents and Brokers: Licensed insurance professionals who may contact you to discuss and offer life insurance products
• Insurance Carriers: Insurance companies that may underwrite and issue life insurance policies
• Lead Buyers and Aggregators: Companies that purchase consumer leads for insurance-related marketing purposes
• Marketing Partners and Affiliates: Companies in our network that may market related insurance and financial products to you
• Service Providers: Companies that help us operate our business, including analytics providers (PostHog), communication platforms (Twilio), payment processors (Stripe), and hosting providers (Cloudflare, Supabase)
• Legal and Compliance: Law enforcement, government agencies, or other parties when required by law or to protect our rights

5. Cookies and Tracking Technologies

We use the following tracking technologies:

• PostHog: Website analytics and user behavior tracking
• Meta Pixel (Facebook): Conversion tracking and retargeting for advertising
• Google Ads: Conversion tracking and remarketing
• Essential Cookies: Session management and form state preservation

You can manage cookie preferences through your browser settings. Disabling cookies may affect the functionality of our website.

6. Data Security

We implement industry-standard security measures to protect your personal information, including:

• HTTPS/TLS encryption for all data in transit
• Row-level security on our database systems
• Rate limiting and input validation on all data endpoints
• Access controls and authentication for internal systems

However, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your information.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including to satisfy legal, accounting, or reporting requirements. Lead data is typically retained for up to 36 months from the date of collection.

8. Your Rights and Choices

8.1 General Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate personal information
• Deletion: Request deletion of your personal information (subject to legal exceptions)
• Opt-Out of Sale: Request that we stop selling your personal information to third parties
• Opt-Out of Communications: Unsubscribe from marketing emails, reply STOP to texts, or request removal from call lists

To exercise any of these rights, email us at [email protected].

8.2 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by us (with exceptions)
• Right to opt-out of the sale or sharing of personal information
• Right to non-discrimination for exercising your privacy rights
• Right to correct inaccurate personal information
• Right to limit the use of sensitive personal information

Do Not Sell or Share My Personal Information: To opt out of the sale of your personal information, email [email protected] with the subject line "Do Not Sell My Information."

8.3 Nevada Residents

Nevada residents may opt out of the sale of covered information by emailing [email protected].

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated Privacy Policy.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, contact us at:

BlackShark Systems, Inc.
Email: [email protected]
Website: rateguardlife.com