Privacy Policy
Effective date: November 5, 2026
DiscoverLivingBenefits.com is presented by Romero Financial Group (“we,” “us,” or “our”). This policy explains how information is collected, used, and shared when you visit this website or request information about life insurance products and living benefits.
Information we collect
If you complete our inquiry form, we collect the information you choose to provide, which may include your name, phone number, email address, state of residence, age, sex for quoting, tobacco or nicotine use, current insurance coverage, desired coverage amount, financial concerns, preferred contact method, and other answers to the questionnaire. We may also receive basic technical and security information associated with your visit or submission, such as IP address, browser information, and submission time, through our website and form service providers.
How we use your information
We use information to respond to your request, discuss potential life insurance options, arrange a consultation, communicate using your selected contact method, maintain records of inquiries, protect against spam or misuse, and comply with applicable legal obligations. Submitting an inquiry does not create insurance coverage or constitute an insurance application.
Service providers and information sharing
We use Cloudflare to host and help secure the website and Formspree to process inquiry forms and route submission notifications to our designated email inbox. These providers may process information to deliver their services. We may also share information with insurance carriers, authorized agents, or other service providers when reasonably necessary to respond to your request, obtain quotes, or assist with an application, subject to applicable law and your instructions. We do not claim that submitting this form constitutes consent to unrelated marketing by third parties. We do not sell your information for money. If our actual data practices change, this policy should be updated before those practices begin.
Communications and your choices
By submitting an inquiry, you request a response about life insurance options. You can ask us to stop further nonessential communications at any time by replying to a message or emailing timromerosfg@gmail.com. We do not use this form as authorization for automated marketing calls or texts. If we introduce automated marketing communications, we will provide any additional notices and consent choices required by law.
Data security and retention
We use HTTPS and third-party service providers to help protect information during transmission and processing. No internet service can guarantee absolute security. We retain inquiry information for as long as reasonably necessary to respond, maintain business records, resolve disputes, or comply with applicable requirements, and then delete or de-identify it where appropriate. Do not submit Social Security numbers, payment card information, medical records, or detailed health diagnoses through this inquiry form.
Your privacy requests
You may contact us to request access to, correction of, or deletion of personal information, or to ask about our handling of your information. We will respond as required by applicable law, subject to legal and recordkeeping exceptions. Privacy rights may vary by state.
Cookies and third-party services
Our hosting and form-processing providers may use essential technical storage, cookies, or similar technologies for security and service operation. This policy should be updated before adding advertising pixels, analytics, or other tracking technologies that collect additional visitor information.
Children
This website and inquiry form are intended for adults age 18 and older. We do not knowingly solicit personal information from children through this form.
Changes to this policy
We may update this policy as our practices or legal requirements change. The effective date above will be revised when changes are published.
Contact
Romero Financial Group
Email: timromerosfg@gmail.com
Website: discoverlivingbenefits.com
Draft for business and legal/compliance review before accepting live inquiries. Confirm all descriptions of providers, sharing, retention, and tracking reflect actual practices.