Last Updated: [10/27/2025]
**OVERVIEW**
This Privacy Policy describes how Westpack Consulting (“we,” “us,” or the “Company”) collects, uses, and discloses personal information from customers and users of our website, and services. This Privacy Policy applies to any other websites or platforms that the Company may create in the future (the “Platform”).
The purpose of the Platform is to provide information and tools to licensed insurance agents and prospective insurance agents (**“Agents”**). We also receive information about individuals who are interested in insurance or financial products (**“Consumers”**) and make such information available to licensed insurance agents who assist individuals with the purchase of the products (**“Services”**). We may also work with **“Lead Vendors”** – companies that collect inquiries from Consumers and pass such inquiries to Agents and Company representatives. Lead Vendors must obtain appropriate consent from Consumers to be contacted regarding specific products before providing us with such Consumers’ information.
This Privacy Policy uses the term **“Personal Information”** to describe information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.
**APPLICABILITY OF HIPAA AND GLBA**
Since we facilitate the sale of a diverse range of insurance products, our processing of some information on behalf of our agents may fall under another state or federal regulatory framework, like the **Health Insurance Portability and Accountability Act (“HIPAA”)** and related state laws, or the **Gramm-Leach-Bliley Act (“GLBA”)** and related state laws.
This Privacy Policy applies to personal information that is **not** covered by HIPAA or GLBA.
The table below details the categories of Personal Information that we may collect or obtain through the operation of the Platform. In addition to the sources listed below, we may collect this information from third-party service providers or vendors, including data analytics providers.
| Category | Examples & Description | Sources of Collection |
|---|---|---|
| Contact Information | Consumers’ and Agents’ name, phone number, and email address, as well as Consumers’ postal address. | Lead Vendors, Agents, insurance carriers, data brokers, agencies, or marketing organizations. |
| Login Credentials | Username and password when Agents or Consumers choose to create an account with us. | Agents or Consumers directly. |
| Identification Information* | Agents’ National Producer Number and Social Security number. Consumers’ driver’s license, Social Security, and/or similar government-issued identification numbers. | Agents (when they begin working with us) or provided during discussions relevant to an application. |
| Demographic Information* | Consumers’ age, date of birth, marital status, language preference, ethnicity, race, and sex or gender. | Lead Vendors, insurance carriers, Agents, data brokers, or agencies. |
| Health Information* | Health information relevant to the processing of an application for an insurance or financial product (e.g., notes about diabetes for a life insurance product). | Provided in discussions with an Agent or representative. |
| Sensory Information | Audio recordings of Consumer conversations with representatives and Agents. Video snippets of user website activity evidencing consent to be contacted. | Lead Vendors, Agents, insurance carriers, and agencies. |
| Commercial Information | Information about products requested by Consumers (including application data), type of product purchased, and the corresponding carrier. | You, Lead Vendors, Agents, data brokers, insurance carriers, advertising/social media networks, or an agency. |
| Internet or Similar Network Activity | Automatically collected information on users’ interaction with the Platform (browsing history, duration, device ID, and IP address). | Automatically collected from you and/or advertising networks. |
| Geolocation Data | Geolocation, which may include precise geolocation.* | Automatically collected from you and/or advertising networks. |
| Educational and Professional Information | Educational background, profession, income, product preference, consumer behavior, and asset ownership. | Data brokers (for Consumers/offline marketing) and Agents (when they begin working with us). |
**Note:** Some or all of the types of Personal Information marked with an asterisk (*) may be considered **“sensitive” personal information** according to some state laws.
We may use or disclose the Personal Information that we collect for one or more of the following purposes:
From time to time, we may contact users via email and mail, for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email or mail from us, you may opt out of such communications by contacting us through the email address listed below.
**INFORMATION COLLECTED FOR TEXTING PROGRAM:** Any information that we collect when you opt into receiving SMS and MMS text messages from us is used **solely** for the management of such texting communications program. **We do not transfer your consent to be contacted via the texting program to any other entity.**
We may disclose all categories of Personal Information described above to the third parties listed below for the purpose of facilitating the sale of insurance and/or financial products to individuals who are interested in purchasing such products.
We facilitate the sale of insurance and financial products, and may engage in targeted advertising, which may be considered **“selling” or “sharing”** personal information as defined under certain state privacy laws, including California. In the last twelve (12) months, we have “sold” or “shared” the categories of personal information identified in the table above with advertising networks, data analytics vendors, insurance carriers, and Agents.
***NOTICE: We may sell your sensitive personal data.***
The website on which the Platform is hosted may use **cookies, pixel tags, web beacons, and similar technologies** to track and enhance user experience, including technologies placed by third parties, such as advertising network partners. We may use the following types of cookies: advertising and analytics and social media.
You may choose to set your web browser to **refuse cookies** or to alert you when cookies are being sent. If you do so, some parts of the Platform may not function properly. Our Platform does not recognize “Do Not Track” signals, but it may recognize other opt-out preference signals, such as the **Global Privacy Control (GPC).** You may set such a signal through your browser or browser extension.
We retain Personal Information where we have an ongoing legitimate business or legal need to do so. Our retention periods will vary depending on the type of data involved. We generally determine retention based on:
No security is foolproof, and the Internet is an insecure medium. We cannot guarantee absolute security, but we work hard to protect our Company and you from unauthorized access to or unauthorized alteration, disclosure, or destruction of Personal Information that we collect and store.
The Platform is not intended for children under 16 years of age. We do not collect information about individuals under the age of 16. **No one under age 16 may provide any information through the Platform.** If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that information.
State consumer privacy laws (like CCPA) may provide residents with additional rights regarding our use of their Personal Information. These rights are not absolute, and we may decline your request as permitted by law.
| Consumer Right | Description |
|---|---|
| Right to Know / Access / Copy | You may request the categories of Personal Information collected, the purpose and source of collection, whether it was sold/shared, and the categories of third parties it was disclosed to. You may also request a copy of your Personal Information. |
| Right to Delete Personal Information | You may request to delete non-exempt Personal Information held by Company. (Some exceptions apply). |
| Right to Correct | You may request to edit or correct your Personal Information at any time. |
| Right to Opt-out | You may request to opt-out of certain uses or disclosures of Personal Information, including selling or **“sharing” (targeted advertising).** |
| Right to Limit Use (Sensitive PI) | You may request the right to limit our use and disclosure of your Personal Information defined as **sensitive** under the CCPA. |
| Right to Appeal | Some data subjects may have the right to request that Company reconsider a denial of a data subject request. |
**Opt-Out of Selling or Sharing**
If you wish to opt out of the “selling” and/or “sharing” of your Personal Information, click the button below:
Do Not Sell or Share My Personal Information| Process | Description |
|---|---|
| Verification | To protect your Personal Information, we may require you to verify your account credentials or provide additional information to confirm your identity before you can submit a rights request. If you submit a request to delete, you will also be required to confirm the deletion request by email. |
| Use of Authorized Agents | You may use an authorized agent to submit a data rights request. The agent must present signed written authorization to act on your behalf, and you will also be required to independently verify your identity directly with us. |
| Right to Appeal Process | To appeal a decision regarding a consumer rights request, please fill out [link to appeal form] and include **“APPEAL”** in your request details, along with a short description of your prior request and the outcome that you are seeking. |
If you have any questions or comments about this notice, or the ways in which we collect and use your personal information, please do not hesitate to contact us at:
**WESTPACK CONSULTING**
Email: [email protected]
Phone: (660) 351-3736
Address: 1610 Elm St, Harrisonville, MO 64701
We may revise this Privacy Policy from time to time. If we make material changes, we will notify you by email or by posting a notice on our Platform prior to or on the effective date of the changes. By continuing to access or use the Platform after those changes become effective, you acknowledge the revised Privacy Policy.